UAE Economic Update

Emirates NBD at a glance Leading bank in UAE No.2 Market share in UAE (at 31 Mar 2013): - - Assets c. 16.8%; Loans c.21.1% Deposits c.18.% Retail market shares (estimated at 31 Mar 2013): Personal loans c.12% - Home loans c.4.6% Auto loans c.17% - Credit cards c.15% Debit cards c.22.50% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook Baa1* P-2 Negative Moody's A+ F1 Stable** Fitch Ratings CiCAPITAL intelligence A A1 Stable*** Emirates NBD Largest Branch Network in the UAE Ras al-Khaimah (3) Dubai 100 Abu Dhabi 26 Sharjah Other Total Umm al-Quwain (2) - 14 9 Ajman (2)- 149 Dubai (100) Fujairah (2) - Sharjah (14) Abu Dhabi (26) International Presence *LT debt ratings, standalone credit assessment and Bank Financial Strength Rating (BFSR) downgraded by one notch to Baa1/ba2/D+ from A3/ba1/D on 12 Dec 2012; **Viability Rating downgraded to 'bb+' from 'bbb'; removed from RWN on 26 Apr 2012;***reduced Financial Strength Rating (FSR) to 'BBB+' from 'A-' on 27 Nov 2012 Branch Conventional Islamic Total 100 49 149 Rep office 12

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