Investor Presentaiton

Funding and Liquidity Highlights Loan to Deposit (LTD) Ratio (%) Emirates NBD • Headline LTD ratio of 102% at end-2012 • The LTD ratio is being managed to the revised target range of c.95%-105% Liquid assets* of AED 30.8 billion as at 31 December 2012 (11% of total liabilities) • Debt maturity profile well within existing funding capacity ⚫ Issued AED 14.9 billion medium term debt during 2012 128.7 127.0 125.8 121.8 119.3 117.1 118.218.5 110.8 LTD Ratio (%) 107.0 105.1 103.1 102.0 101.2 99.999.2 98.1 97.9 96.3 91.7 T Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 08 08 08 08 09 09 09 09 10 10 10 10 11 11 11 11 12 12 12 12 Composition of Liabilities/Debt Issued and Maturity Profile of Debt Issued (AED million) Liabilities - AED 272 bn Debt/Sukuk Others Liabilities and Debt Issued Debt Issued Sukuk = AED 20.9 bn 18% Maturity Profile of Debt/Sukuk Issued 100% = AED 20.9 billion Banks 8% 5% 8% 4,426 5,940 4,400 Loan securitisations 16% 1,477 1,276 1,513 1,627 66% 79% 26 180 0 EMTNS 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Customer deposits *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 24 24

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