UAE Economic Update

Loan and Deposit Trends Emirates NBD Highlights Signs of modest pickup in new underwriting across all business segments with 9% growth in gross loans from Q1 2012 Trend in Gross Loans by Type (AED billion) +9% 234 238 227 +2% 219 223 176 179 181 -172- Balance sheet optimisation 168 initiatives successful in improving deposit mix: 22 21 21 22 23 28 30 30 33 34 -1 0 0 0 -0 - Growth of 7% in deposits Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 - Corporate Consumer Islamic Treasury - CASA growth of 19% or AED 16 billion from Q1 2012 46% of total deposits in the form of CASA at end of Q1 2013 compared to 41% and 43% at end of Q1 2012 and Q4 2012 respectively Trend in Deposits by Type (AED billion) +7% 209 208 214 223 214 2 1 1 2 -3% 120 122' 122 119 123 +19% 85 88 90 91 101 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Other Time CASA 24 24

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