Tanfeeth Overview

Credit Quality Retail and Corporate Loans & Receivables Corporate Credit Quality Impaired loan ratio 13.5% at Q3 2012 remains the same, namely 13.5% at Q2 2012 97.35% of the portfolio is to UAE customers where the Bank has long-standing relationships Exposure is mainly to top tier names with diversified business interests and multiple sources of repayment Of the total wholesale banking funded exposure, 96% is in the UAE; 3% is KSA; 0.2% Qatar and 0.3% other countries Corporate & Sovereign Lending Portfolio • Real Estate & Contracting Exposures to Real Estate and Contracting Sector are AED 23.5b (13.2%) and AED 7.2b (4.0%) respectively Selectively financing real estate sector; extent of finance is generally limited to: 70% of construction cost excluding land; and land and cost overruns to be financed by the owner Real Estate financing is restricted to Emirates of Dubai & Abu Dhabi Exposures to these sectors are mainly to diversified businesses having multiple repayment sources of repayment • Repayment experience is satisfactory Transport & communicat By Sector(1) 100% AED 178.43 b = ion Contracting 4% 2% Manufacturi ng Trade 4% 4% Others 3% Personal- Corporate 5% Services 10% Banks & Fls Real estate 15% 13% Sovereign 40% " " Personal loans Portfolio AED 8.0b (40.0%) 55% of value is to UAE nationals; 62% of value is to government employees Personal loans are only granted subject to salary assignment Personal Loans losses well within original expectations Delinquency trends for 90+ are trending downwards Delinquency trends continue to improve in Q3 2012. " Credit Cards Portfolio AED 2.9b (14.6%) Product with highest yield in Retail Portfolio 90+ delinquencies better than industry benchmarks Policy corrections undertaken to enhance portfolio quality Delinquency trends continue to improve in Q3 2012. • Approximately 48% of the Real Estate portfolio has a repayment maturity of < 3 years Retail Lending Portfolio Car loans Portfolio AED 2.1b (10.6%) Portfolio shoring signs of stability Down payment of 20% mandatory Delinquency trends continue to improve in Q3 2012. Mortgages Portfolio AED 3.1b (15.6%) Only offered for premium developers Completed properties account for 91% of the portfolio Average LTV is 75% on original value By Sector(1) 100% AED 20.1b Overdrafts 7% Others 4% Car Loans 11% Personal Loans 40% > 75% of the customers have only one loan from Credit Emirates NBD Cards 15% Delinquency trends continue to improve in Q3 2012. Time. Loans 8% Mortgages 15% 1) Loans and advances before provisions; Corporate & Sovereign Lending sectoral breakdown as per "Analysis by Economic Activity for Assets" in note 5, page 11 of the Q3 2012 Financial statements Emirates NBD 21

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