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Investor Presentaiton

Emirates NBD at a Glance ■ Largest Bank in UAE No.1 Market share in UAE (at 30 Sep 2011): Assets c.16%; Loans c.17% Deposits c.18% Retail market shares (at end 2010): Personal loans c.22% - Home loans c.7% Auto loans c.11% Credit cards c.9% Dubai Abu Dhabi Sharjah Other Emirates Total Largest Branch Network in the UAE 13 FORNO 142 Umm al-Quwain (2) Ajman (2) Dubai (98) Ras al-Khaimah (3) -Fujairah (2) - Sharjah (13) Debit cards c.17% Fully fledged financial services offerings across retail banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Abu Dhabi (22) M Moody's Fitch Ratings GCAPITAL Credit Ratings Long Term Short Term Outlook A3 P-2 Negative A+ F1 Negative A+ A1 Stable intelligence Emirates NBD O Branch Rep office International Presence Conventional Islamic Total 110 32 142 11
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