Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Loan Composition Total Gross Loans (AED 294 bn) Treasury/Other Retail Corporate 30 95 (32%) (10%) 0 Sovereign 121 (41%) (0%) Retail Loans (AED 30 bn) Others Overdrafts 6% Car Loans 14% 48 (16%) Islamic* 13% Personal 34% Emirates NBD Corporate Loans (AED 95 bn) Cont. Trans. & com. 7% 5% Trade 15% RE FE 33% 8% Manuf. 2% 4% Others** 4% 23% Per. - Corp. Serv. Fin Inst Islamic* Loans (AED 48 bn) - Per. Retail 52% RE 15% Fin Inst 4% 8% Serv. 5% Others* ** 4% 4% 3% 6% Manuf. Trade 14% 13% Credit Cards 5% Mortgages Time Loans * Islamic loans net of deferred income; **Others include Agriculture & allied activities and Mining & quarrying Cont. Trans. & com. 22 22

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