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25 GROSS CREDIT EXPOSURE AS PER STANDARDISED APPROACH (continued) 31 DECEMBER 2019 Gross Outstanding Claims on sovereigns AED 000 307,879,445 AED 000 209,279 On Balance Sheet Off-Balance Sheet Net Exposure after Credit Conversion Factors (CCF) Total Gross Exposure AED 000 308,088,724 Exposure Before CRM AED 000 308,088,724 CRM AED 000 After CRM AED 000 308,088,724 Risk Weighted Assets AED 000 41,060,094 Claims on non-central government public sector entities Claims on multi-lateral development banks Claims on banks 1,138,177 113,847 43,593,660 179,178 11,946,815 1,317,355 113,847 55,540,475 1,317,355 113,847 1,317,355 122,849 113,847 55,540,475 10,182,964 45,357,511 25,916,226 Claims on securities firms 3,929 3,929 3,929 3,929 3,929 Claims on corporate and Government Related Entities (GRE) Claims included in the regulatory retail portfolio 162,824,783 69,831,597 55,851,182 218,675,965 Claims secured by residential property Claims secured by commercial real estate Past due loans Higher-risk categories Other assets Total 16,699,384 39,243,989 34,148,747 273,191 23,391,553 699,138,373 218,675,965 3,201,183 73,032,780 73,032,780 16,699,384 16,699,384 2,374,493 41,618,482 41,618,482 1,275,233 35,423,980 6,380,436 273,191 273,191 44,845 23,436,398 23,436,398 75,086,137 774,224,510 745,180,966 25,726,364 4,644,960 192,949,601 190,959,340 1,211 68,387,820 52,871,754 16,698,173 8,127,016 41,618,482 41,618,482 21,050 6,359,386 7,777,137 273,191 409,787 23,436,398 16,424,596 40,576,549 704,604,417 385,291,210 EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES - FOR THE YEAR ENDED 31 DECEMBER 2020 26 GROSS CREDIT EXPOSURE AS PER STANDARDISED APPROACH (RATED/UNRATED) 31 DECEMBER 2020 Claims on sovereigns Claims on non-central government public sector entities Claims on multi-lateral development banks Claims on banks Claims on securities firms Claims on corporate and Government Related Entities (GRE) Claims included in the regulatory retail portfolio Claims secured by residential property Claims secured by commercial real estate Past due loans Higher-risk categories Other assets Total بنك الإمارات دبي الوطني Emirates NBD Rated AED 000 76,878,656 Unrated 743,364 327,238 AED 000 234,789,624 1,147,926 Total Gross Exposure AED 000 311,668,280 AED 000 311,668,280 Exposure Before CRM After CRM AED 000 311,668,280 Risk Weighted Assets AED 000 45,887,566 45,040,809 6,774,463 1,891,290 327,238 51,815,272 1,891,290 327,238 51,815,272 1,891,290 148,993 327,238 46,910,531 28,950,761 540 540 540 503 503 7,150,621 219,605,994 162,797 6,104,673 20,224,746 212,455,373 219,605,994 193,118,828 188,044,759 74,477,375 74,477,375 74,477,375 70,942,603 54,668,530 19,230,535 19,230,535 19,230,535 19,230,111 9,193,629 41,847,076 41,847,076 41,847,076 41,847,076 41,847,076 40,766,658 40,766,658 6,569,090 6,929,218 162,797 162,797 244,195 26,329,419 26,329,419 26,329,419 17,647,051 6,550,965 162,797 136,245,361 651,877,113 788,122,474 753,924,906 718,979,641 393,562,281

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