Investor Presentaiton

Total Gross Exposure AED 000 11,440,670 Exposure Before Risk Weighted Assets CRM AED 000 After CRM AED 000 AED 000 11,440,670 1,257,706 628,853 EXPOSURE SUBJECT TO DEDUCTION AS PER STANDARDISED APPROACH (RATED/UNRATED) (continued) 31 DECEMBER 2019 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 29 EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES - FOR THE YEAR ENDED 31 DECEMBER 2020 Past due loans Total 30 Rated AED 000 10,088,767 Unrated AED 000 1,351,903 411,654 10,500,421 68,561,987 1,211 93,049 79,062,408 59,231,272 59,642,926 59,642,926 7,884,552 7,884,552 7,884,552 1,211 1,211 93,049 46,413 79,015,772 33,916,562 33,916,562 3,239,592 2,429,694 25,363 38,439,223 25,363 37,000,472 CREDIT RISK MITIGATION AS PER STANDARDISED APPROACH 2020 2019 Gross credit exposure (AED 000) Risk weighted assets (AED 000) Gross credit exposure (AED 000) Risk weighted assets (AED 000) Gross exposure prior to credit risk mitigation Exposure covered by on-balance sheet netting 788,122,474 462,705,114 774,224,510 454,911,303 (34,197,568) (34,197,568) (29,043,544) (29,043,544) Exposure covered by eligible financial collateral (33,453,982) (33,453,982) (39,334,333) (39,334,333) Exposure covered by guarantees (1,491,283) (1,491,283) (1,242,216) (1,242,216) Net exposure after credit risk mitigation 718,979,641 393,562,281 704,604,417 385,291,210 بنك الإمارات دبي الوطني Emirates NBD

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