Emirates NBD Investor Presentation

Credit Quality Group Loan Portfolio by Type - FY 2011 Sovereign 27% Islamic 13% 100% AED 216.8b Retail 10% Corporate 50% Impaired Loans Composition (AED billion) Loan Portfolio by Type - FY 2011 100% AED 216.8b Manuf. Transport & Contracting 4% Others 3% 3% comms 2% Sovereign 28% Real estate 15% Trade 4% Personal - Corporate 5% Services 8% Personal - Retail 14% FI & Investment Co's 14% Impairment Allowance Composition (AED billion) ■Core Corporate (2) ■IIRLS ■Retail Islamic Investment Securities Core Corporate 29.7 (2) ■IIRLS 0.3 2.9 ■Retail 3.6 Islamic 20.4 Investment Securities 3.2 14.1 5.9 12.9 0.2 1.4 8.3 3.7 8:3 8:3 975 1.6 3.5 3.3 11.5 5.8 2.9 0.9 3.3 0.8 1.9 6.0 0.7 8.8 1.3 2.7 0.2 1.3 3.6 05 1.7 1.3 0.8 2.8 1.8 Q4 08 Q4 09 Q4 10 Q4 11 Q4 08 Q4 09 Q4 10 Q4 11 1) Gross Loans and receivables before provisions and deferred income 2) IIRL = Interest Impaired Renegotiated Loans Emirates NBD 20 20

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