Investor Presentation August/September 2009

Enhance Risk Management Initiatives (cont'd) Corporate ■ Sectoral caps harmonized for all Emirates NBD corporate counterparties ■ Exposures to all economic sectors being carefully monitored ■ Prudence in renewing existing facilities ■ Intensified credit monitoring and controls Delegated authority matrix reviewed ■ Review of securities to ensure quality and adequacy of coverage Financial Institutions ■ Review of counterparty limits & reduction as appropriate ■ Intensified utilization monitoring Strengthen 3 Credit Policy ■ Liquidation of investments on a best effort basis Emirates NBD Retail ■ Active revision of policies to ensure NPLs within acceptable ranges ■ Roll out new scorecards ■ Ongoing review of sectoral risk appetite Eligibility norms for company approvals raised ■ Increase in income norms ■ Debt Burden ratios scaled down and reduction in loan multiples ■ Target end-user mortgage users (i.e. reduce LTVs and limit mortgages per customer) 41 44

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