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Investor Presentaiton

Associates and Joint Ventures Composition of Balances - Highlights Significant de-risking of investment in Union Properties (UP) since 2009: UP investment reduced by AED 0.5 billion in 2009, AED 1.0 billion in 2010 and AED 750 million in 2011 through recognition of share of losses and impairment - Further downside risk on UP limited as carrying value is close to market value Network International accounted for as a jointly controlled entity from the start of 2011 with a carrying value of AED 1.4 billion at the end of Q1 2012 ■ 24.8% stake in Bank Islami Pakistan acquired as part of Dubai Bank Income Statement AED million Union Properties - Share of losses* - Impairment of investment National General Insurance Network International Composition of Associates & Joint Ventures (AED million) Q1 12 Q1 11 Change 2011 2010 Change % % (500) -100% (750) (1,043) -28% (74) -100% (683) (683) 0% (426) -100% (67) (360) -81% 7 4 +59% 12 19 -34% +17104 16 19 -12% 81 0 % Bank Islami Pakistan Total 1 n/a 2 n/a 24 (477) -105% (654) (1,024) -36% Balance Sheet 31-Mar- 31-Dec- Change 31-Dec-| 31-Dec- Change 12 11 11 10 Investment in Union Properties AED billion 1.78 Union Properties 532 532 % +0% 532 % 1,282 -59% National General 134 129 1.45 Insurance Network International 1,380 Bank Islami Pakistan 23 Total 2,068 18 2,042 +4% 1,363 +1% 1,363 +24% 18 +1% 2,042 129 130 -1% n/a n/a 1,412 +45% 0.80 2.8 2.3 0.33 0.33 1.3 0.5 0.5 Q4 08 Q4 09 Q4 10 Q4 11 Q1 12 Emirates NBD AED Billion --AED per share * Emirates NBD share of losses for Union Properties for Q1 2011 includes an amount of AED 74 million loss pertaining to the 2010 financial year 25
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