Credit Quality and Financial Performance slide image

Credit Quality and Financial Performance

Associates and Joint Ventures Composition of Balances Highlights Significant de-risking of investment in Union Properties (UP) since 2009: О UP investment reduced by USD 144 million and USD 284 million in 2009 and 2010 respectively through recognition of share of losses and impairment О additional reduction in book value of UP of USD 136 million in Q1 2011 Composition of Associates & Joint Ventures (USD million) Income Statement Q1 Q1 Change Change 2010 2009 USD million 2011 2010 (%) (%) Union Properties (136) (2) n/a (284) (141) +102% - Share of losses* (20) (2) n/a (186) (55) +240% - Impairment of investment (116) n/a (98) (86) +14% O further downside risk on UP limited as carrying value is now close to market value National General Insurance 1 1 -8% 5 11 -51% Network International 5 (0) n/a 0 0 n/a Total (130) (1) n/a (279) (130) +114% Network International accounted for as a jointly controlled entity from the start of 2011 with a carrying value of USD 354 million at the end of Q1 2011 0.48 Investment in Union Properties 0.40 0.22 0.13 776 633 349 213 Q1 2011 2008 2009 2010 USD million --USD per share Emirates NBD Balance Sheet USD million 31 Mar 2011 31 Dec 2010 Change 31 Dec 31 Dec Change (%) 2010 2009 (%) Union Properties 213 349 -39% 349 633 -45% National General 33 35 -7% 35 32 +12% Insurance Network International 354 n/a 1 n/a Total 600 384 +56% 384 666 -42% * Emirates NBD share of losses for Union Properties for Q1 2011 includes an amount of USD 20 million loss pertaining to the 2010 financial year 21 21
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