Tanfeeth Overview

Additional Asset Quality Disclosures (cont'd) Credit Metrics AED million Q1 09 Q2 09 Q3 09 Q4 09 FY 09 Q1 10 Q2 10 Q3 10 Q4 10 FY 10 Q1 11 Q2 11 Q3 11 Q4 11 FY 11 Q1 12 Q2 12 Q3 12 P&L Impairment Allowances: Credit - 94 584 473 533 1,684 442 481 1,203 469 2,595 706 (57) 1,668 871 3,187 844 1,239 960 Credit - PIP 224 507 226 330 1,287 78 468 (338) 127 335 628 981 (124) 76 1,562 234 (336) 11 Other - PIP 0 0 0 0 0 200 300 (500) 0 0 0 0 0 0 0 0 0 Investment 144 58 64 82 348 35 44 76 105 260 35 57 27 102 221 22 22 50 38 Total 462 1,149 762 945 3,319 555 1,193 1,241 201 3,190 1,369 981 1,571 1,049 4,970 1,101 954 1,009 Balance Sheet Impairment Allowances: Credit - 1,864 2,428 2,904 3,417 3,417 3,756 4,205 5,404 5,864 5,864 6,554 6,481 8,128 8,906 8,906 9,698 10,878 11,706 Credit - PIP 795 1,301 1,528 1,858 1,858 1,936 2,403 2,066 2,193 2,193 2,821 3,802 3,678 3,752 3,752 3,986 3,650 3,672 Other - PIP 0 0 0 0 0 0 200 500 0 0 0 0 0 0 0 0 0 0 Investment 1,016 1,073 1,068 674 674 411 326 268 265 265 270 267 263 240 240 246 245 254 Total 3,675 4,802 5,499 5,948 5,948 6,102 7,134 8,238 8,322 8,322 9,644 10,550 12,069 12,898 12,898 13,931 14,773 15,632 Impaired Loans: Credit 2,548 Investment 1,316 Total 3,382 4,060 1,316 1,201 3,864 4,698 5,261 5,831 5,041 5,041 5,717 6,087 16,670 20,063 20,063 20,913 18,655 26,581 29,373 29,373 30,390 31,621 32,484 789 789 526 435 363 361 361 371 369 360 341 341 369 364 420 5,831 6,243 6,522 17,034 20,425 20,425 21,283 19,024 26,941 29,714 29,714 30,759 31,985 32,904 Loans & Receivables, gross of impairment allowances: Credit 215,729 219,082 220,427 218,968 218,968 216,966 209,882 208,105 203,886 203,886 203,831 203,400 208,068 215,536 215,536 Investment 2,344 2,352 2,183 1,605 1,605 1,093 779 779 660 660 569 567 502 Total Loans 218,073 221,434 222,610 220,573 220,573 218,058 210,662 208,883 204,546 204,546 204,400 203,968 208,644 216,038 216,038 576 502 505 217,556 222,501 227,705 426 428 218,061 222,927 228,133 Emirates NBD 52 52

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