Investor Presentaiton

Additional Asset Quality Disclosures (cont'd) Credit Metrics AED million Q1 08 Q2 08 Q3 08 Q4 08 2008 Q1 09 Q2 09 Q3 09 Q4 09 2009 Q1 10 Q2 10 Q3 10 Q4 10 2010 Q1 11 Q2 11 Q3 11 Q4 11 2011 Q1 12 P&L Impairment Allowances: Credit - Specific 32 99 58 242 431 94 584 473 533 1,684 442 481 1,203 469 2,595 706 (57) 1,668 872 3,189 845 Credit - PIP 38 10 33 130 211 224 507 226 330 1,287 78 468 (338) 127 335 16 343 476 725 1,560 234 Other - PIP 200 300 (500) 612 638 (600) (650) Investment 193 140 207 471 1,011 144 58 64 82 348 35 44 76 105 260 35 57 27 102 221 22 Securities Total Impairment 263 249 298 843 1,653 462 1,149 763 945 3,319 555 1,193 1,241 201 3,190 1,369 981 1,571 1,049 4,970 1,101 Allowances Balance Sheet Impairment Allowances: Credit Specific 1,452 1,472 1,523 Credit - PIP 1,762 317 418 441 571 1,762 571 1,864 795 2,428 2,903 1,301 1,528 3,417 3,417 3,756 1,858 1,858 1,936 Other - PIP 4,205 2,403 200 500 5,404 5,864 5,864 6,554 6,481 8,128 8,905 8,905 9,698 2,066 2,193 2,193 2,209 2,552 3,028 3,752 3,752 3,986 612 1,250 650 Investment 0 0 10 981 981 1,016 1,073 1,068 673 673 411 326 268 265 265 270 267 263 240 240 246 Securities Total Impairment 1,769 1,890 1,973 3,314 3,314 3,675 4,802 5,499 5,947 5,947 6,103 7,133 8,238 8,322 8,322 9,645 10,550 12,069 12,897 12,897 13,930 Allowances Impaired Loans: Credit 1,723 1,816 1,847 1,976 1,976 2,548 3,382 4,060 5,041 5,041 5,717 6,087 16,671 20,064 20,064 20,913 18,655 26,581 29,373 29,373 30,390 Investment 262 220 233 1,316 1,316 1,316 1,316 1,201 789 789 526 435 363 361 361 371 369 360 341 341 369 Securities Total Impaired Loans 1,984 2,035 2,081 3,292 3,292 3,864 4,698 5,261 5,830 5,830 6,243 6,522 17,034 20,425 20,425 21,284 19,024 26,941 29,714 29,714 30,759 Loans & Receivables, gross of impairment allowances: Credit Investment Securities 174,508 187,115 202,267 209,870 209,870 215,729 219,102 220,427 218,994 218,994 216,936 210,089 208,608 203,886 203,886 203,520 203,140 207,931 215,535 215,535 217,556 3,145 2,720 2,587 2,374 2,374 2,344 2,332 2,183 1,569 1,569 1,122 791 775 660 660 569 567 576 502 502 505 Total Loans & Receivables 177,653 189,835 204,854 212,244 212,244 218,073 221,434 222,610 220,563 220,563 218,058 210,880 209,383 204,546 204,546 204,089 203,707 208,507 216,037 216,037 218,061 Emirates NBD 48

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