Emirates NBD Banking Sector Update

Additional Asset Quality Disclosures (cont'd) Credit Metrics AED million Q1 08 Q2 08 Q3 08 Q4 08 2008 Q1 09 Q2 09 Q3 09 Q4 09 2009 Q1 10 Q2 10 Q3 10 Q4 10 2010 Q1 11 Q2 11 Q3 11 P&L Impairment Allowances: Credit Specific 32 99 58 242 431 94 584 473 533 1,684 442 481 1,203 469 2,595 706 (57) 1,668 Credit - PIP 38 10 10 33 130 211 224 507 226 330 1,287 78 468 (338) 127 335 16 343 476 Other - PIP 200 300 (500) 612 638 (600) Investment Securities 193 140 207 471 1,011 144 58 64 82 348 35 44 76 105 260 35 57 27 Total Impairment 263 249 298 843 1,653 462 1,149 763 945 3,319 555 1,193 1,241 201 3,190 1,369 981 1,571 Allowances Balance Sheet Impairment Allowances: Credit - Specific 1,452 1,472 1,523 1,762 1,762 1,864 2,428 Credit - PIP 317 418 441 571 571 795 2,903 1,301 1,528 1,858 3,417 3,417 1,858 3,756 4,205 5,404 5,864 5,864 6,554 6,481 8,128 1,936 2,403 2,066 2,193 2,193 Other - PIP - - 200 500 612 2,209 2,552 3,028 650 1,250 Investment Securities 0 0 10 981 981 1,016 1,073 1,068 673 673 411 326 268 265 265 270 267 263 Total Impairment 1,769 1,890 1,973 3,314 3,314 3,675 4,802 5,499 5,947 5,947 6,103 7,133 8,238 8,322 8,322 9,645 10,550 12,069 Allowances Impaired Loans: Credit Investment Securities 262 1,723 1,816 1,847 220 233 1,976 1,316 1,976 1,316 2,548 3,382 4,060 5,041 1,316 1,316 1,201 789 5,041 5,717 789 526 6,087 435 Total Impaired Loans 1,984 2,035 2,081 3,292 3,292 3,864 4,698 5,261 5,830 5,830 6,243 6,522 16,671 20,201 20,201 20,913 18,655 26,581 363 361 361 371 369 360 17,034 20,562 20,562 21,284 19,024 26,941 Loans & Receivables, gross of impairment allowances: Credit Investment Securities 174,508 187,115 202,267 209,870 209,870 215,729 219,102 220,427 218,994 218,994 216,936 210,089 208,608 204,758 204,758 203,418 203,140 207,949 3,145 2,720 2,587 2,374 2,374 2,344 2,332 2,183 1,569 1,569 1,122 791 Total Loans & 775 660 660 671 567 558 177,653 189,835 204,854 212,244 212,244 218,073 221,434 222,610 220,563 220,563 218,058 210,880 209,383 205,418 205,418 204,089 203,707 208,507 Receivables Emirates NBD 42 42

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