Credit Quality Overview

Emirates NBD at a glance A leading bank in UAE Market share in UAE (at 30 Sep 2014): - Assets c. 15.6%; Loans c.19.2% Deposits c.17.6% Retail market shares (estimated at 30 Sep 2014): Personal loans c.14% Home loans c.4% - Auto loans c.15% Credit cards c.17% - Debit cards c.24% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook M Baa1 P-2 Stable Moody's Fitch Ratings GCAPITAL A+ F1 Stable A A1 Stable intelligence Emirates NBD Largest Branch Network in the UAE Dubai 102 Ras al-Khaimah (4) Abu Dhabi 25 Sharjah 18 Umm al-Quwain (2). Other Emirates 10 - Fujairah (2) Ajman (2) Total 155 Dubai (102) Sharjah (18) Abu Dhabi (25) International Presence Branch ● Rep office Egypt (62 branches) Conventional Islamic Total 99 56 155 11

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