Emirates NBD Investor Presentation

Funding and Liquidity Headline Loan to Deposit Ratio (%) 129% 126%127% 122% 118%118% 111% 103% 101% 107% 105% 98% 96% 92% • ■ Highlights Headline LTD ratio of 105% at Q4 2011 vs. 98% at Q4 2010 due to balance sheet optimisation initiatives and increased deposit competition in the sector The LTD ratio is expected to be managed to the target range of c.95%- 100% LTD ratio managed through growth in stable deposits ■ Liquid assets of AED 41 billion as at 30 December 2011 (15% of total assets) Debt maturity profile well within existing funding capacity; USD 825 million public debt issuance in 2012 to date 117% 119% Target LTD Ratio of 95-100% Composition of Liabilities: FY 2011 Debt/ Sukuk Issued Emirates NBD 7% Banks 12% 100% AED 249.6b Customer deposits 77% Q1 08Q2 08Q3 08Q4 08Q1 09Q2 09Q3 09Q4 09Q1 10Q2 10Q3 10Q4 10Q1 11Q2 11Q3 11Q4 11 Maturity Profile: Debt Issued (AED million) 100% = AED 15.6b Others 4% 8,465 6,438 2,564 1,972 620 880 618 907 1,651 1,036 231 2012 2013 2014 2015 2016 2017 2018 2019 2020 ■Q1 ■ Q2 Q3 ■Q4 FY Note: Debt Issued includes EMTNs of AED 8.3 billion, syndicated borrowings from banks of AED 5.5 billion and borrowings raised from loan securitisations of AED 1.8 billion 23 23

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