Investor Presentaiton

Loan and Deposit Composition Composition of Gross Loan Portfolio By Type (AED 262 bn) By Econ Sector (AED 262 bn) Islami C* Retail 11% 14% RE 16% Fin Inst 10% Sover eign 36% Corpo rate 39% Islamic Lending Portfolio* By Type (AED 36 bn) Wakala Others Credit card receivabl es 2% 6% Istissna'a 4% 3% Murabah Ijara a 30% 55% Trans. & Cont. Manuf. Trade com. 2%thers 2% 3% 4% Per. - Corp. Per. - Sov. 36% Ret. 17% 2% Emirates NBD Corporate and Retail Lending Portfolio Corporate & Sovereign Loans (AED 196 bn) Manuf. Trade Trans. & Cont. Retail Loans (AED 29 bn) 3% 4% com. Others 3% Per. - 3% Corp. Overdr afts 2% 7% Others 16% Serv. Sov. 6% 49% Fin Inst Person al 36% 11% Car Loans Credit 11% RE 18% Cards 14% Time Loans Mortga ges 3% 13% Deposits by Type By Econ Sector (AED 36 bn) By Type (AED 252 bn) Sov. RE 20% 1% Others 2% Per. - Retail 48% Fin Inst 10% Serv. Time 42% 6% Per. - CASA 56% Corp. Others 2% 3% Trade 5% TransCont. Manuf. 2% com.2% 1% *Gross Islamic Financing net of deferred income Islami C 18% By Type (AED 252 bn) Conve ntional 82% 24 24

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