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21 IMPAIRED LOANS BY GEOGRAPHY 31 DECEMBER 2020 Overdue (Gross of Interest in Suspense/ Provisions) Less than 90 days 90 days AED 000 and above AED 000 32,523,041 1,681,198 Total AED 000 32,523,041 1,681,198 Provisions Specific* AED 000 20,293,257 General** AED 000 Adjustments Write-offs Write-backs AED 000 1,608,527 AED 000 376,098 Interest in Suspense AED 000 9,061,690 Total Impaired Assets AED 000 3,168,094 1,279,997 166,404 499,090 (97,889) 295,926 295,926 4,644,496 4,644,496 187,480 2,715,427 5,537 12,808 46,927 61,519 482,646 19,374 11,041 1,918,028 12 118 12 8 4 118 81 37 299,939 299,939 190,942 10,251 15,846 93,151 7,778 7,778 7,738 40 39,452,508 39,452,508 24,674,930 10,309,881 2,096,710 584,935 9,634,594 5,142,984 United Arab Emirates GCC excluding UAE*** Arab League (excluding GCC) EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES - FOR THE YEAR ENDED 31 DECEMBER 2020 Asia Africa North America Europe Others Total *Specific provisions represent Stage 3 Expected Credit Loss ('ECL). **General provisions represent Stage 1 and Stage 2 Expected Credit Loss ('ECL'). ***This includes Saudi Arabia, Bahrain, Kuwait, Oman and Qatar. 22 IMPAIRED LOANS BY GEOGRAPHY (continued) 31 DECEMBER 2019 Overdue (Gross of Interest in Suspense/ Provisions) Less than 90 days 90 days AED 000 and above AED 000 27,013,242 2,112,498 Total AED 000 27,013,242 2,112,498 Provisions Specific* AED 000 18,780,420 General** AED 000 Adjustments Write-offs AED 000 1,960,595 618,580 137,082 4,735,843 137,082 153,849 45,358 4,735,843 1,226,867 Write-backs AED 000 1,051,739 2,244 36,629 427,259 Interest in Suspense AED 000 7,688,704 Total Impaired Assets AED 000 544,118 388,733 1,105,185 27,613 (44,380) 8,187 3,500,789 22 161 22 161 18 51 4 110 149,890 149,890 139,439 3,491 11,055 (604) 9 9 28 (19) 34,148,747 34,148,747 20,919,252 8,307,143 2,005,953 1,521,362 8,124,292 5,105,203 United Arab Emirates GCC excluding UAE *** Arab League (excluding GCC) Asia Africa North America Europe Others Total *Specific provisions represent Stage 3 Expected Credit Loss ('ECL). **General provisions represent Stage 1 and Stage 2 Expected Credit Loss ('ECL'). ***This includes Saudi Arabia, Bahrain, Kuwait, Oman and Qatar. بنك الإمارات دبي الوطني Emirates NBD

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