Credit Quality Overview

Loan Composition Emirates NBD RE 34% Total Gross Loans (AED 272 bn) Treasury/Other Retail 33 1 (12%) (0%) 98 Corporate (36%) Corporate Loans (AED 98 bn) Cont. Trans. & com. 7% 7% Trade 11% 39 (14%) Manuf. 6% 5% Islamic* 102 (38%) Per. - Corp. 4% Serv. 26% Sovereign Fin Inst Retail Loans (AED 33 bn) Others Overdrafts 14% Personal 6% 32% Car Loans 11% 14% 12% Credit Cards 12% Mortgages Time Loans Islamic* Loans (AED 39 bn) - Per. Retail 49% RE 16% Fin Inst 8% 6% Serv. 4% 6% 1% 2% 5% 2% Per. - Corp. Others** Manuf. Cont. Trade Trans. & com. *Islamic loans net of deferred income; **Others include Agriculture and allied activities and Mining and quarrying 24 24

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