Tanfeeth Overview

Emirates NBD at a Glance Largest Bank in UAE ■ No.1 Market share in UAE (at 30 Sep 2012): - Assets c. 17.7%; Loans c. 19.5% - Deposits c.19% Retail market shares (estimated): - Personal loans c.11% - Home loans c.6% Auto loans c.15% - Credit cards c.15% - Debit cards c.22% 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 A3 P-2 Negative Moody's Fitch Ratings Stable* F1 A+ CAPITAL A+ A1 Negative Ci inteligence *Viability Rating downgraded to 'bb+' from 'bbb'; removed from RWN on 26 Apr 2012 Emirates NBD Largest Branch Network* in the UAE Dubai 107 ⚫ Ras al-Khaimah (4) Abu Dhabi 27 Umm al-Quwain (2)- Sharjah Other 14 -Fujairah (3) 12 Ajman (3) Total 160 Dubai (107) Sharjah (14) Abu Dhabi (27) Conventional 104 Islamic Total 56 160 *Includes 21 branches added due to Dubai Bank acquisition International Presence Branch Rep office 11

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