Investor Presentaiton

Credit Quality Emirates NBD Highlights • The impaired loans ratio improved by 0.1% q-o-q to 14.3% in Q4 2012 • Provision coverage of impaired loans was at 69.8% at end-2012 • FY 2012 impairment charges of AED 4 billion driven mainly by: - Corporate Specific provisions of AED 3.1 billion Islamic specific provisions of AED 636 million • Total portfolio impairment allowances of AED 3.6 billion or 2.8% of credit RWAs Management Targets for Impaired loan coverage ratios 80%-85% on underlying NPL portfolio C 55%-60% on overall impaired loans by 2013 Target coverage ratios to be achieved through more conservative provisioning for, and recognition of, impaired loans Impaired Loans and Coverage Ratios (%) 100.7 1.6 Q4 08 102.0 2.6 Q4 09 10.0 13.8 14.3 83.2 71.2 69.8 40.7 43.4 49.4 6.4 6.1 5.6 7.4 8.2 [4.4 Q4 10 Q4 11 Q4 12 Impact of DW/DH* % NPL ratio, excl. DW/DH* Coverage ratio, excl. DW/DH* % Coverage ratio, incl. DW/DH* % *DW/DH = includes D1 (exposure AED 9.38 billion; provision AED 552 million) and D2B (exposure AED 4.62 billion; provision AED 2.51 billion) 21

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