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Investor Presentaiton

Associates and Joint Ventures Composition of Balances ■ - Highlights Significant de-risking of investment in Union Properties (UP) since 2009: UP investment reduced by AED 0.5 billion in 2009, AED 1.0 billion in 2010 and AED 750 million in 2011 through recognition of share of losses and impairment Further downside risk on UP limited as carrying value is close to market value Network International accounted for as a jointly controlled entity from the start of 2011 with a carrying value of AED 1.4 billion at the end of Q4 2011 24.8% stake in Bank Islami Pakistan acquired as part of Dubai Bank Investment in Union Properties 1.78 1.45 2.3 0.33 1.3 0.5 --- 0.80 2.8 Q4 08 Q4 09 AED Billion Emirates NBD Q4 10 --AED per share Q4 11 Composition of Associates & Joint Ventures (AED million) Income Statement Change 2011 2010 AED million % Union Properties (750) (1,043) -28% - Share of losses* (74) (683) -89% - Impairment of investment National General Insurance (676) (360) 88% 12 19 -34% Network International 81 0 n/a Bank Islami Pakistan Total 2 n/a (654) (1,024) -36% Balance Sheet Change 2011 2010 AED billion % Union Properties 532 1,282 -59% National General Insurance 129 130 -1% Network International 1,363 n/a Bank Islami Pakistan 18 n/a Total 2,042 1,412 +45% * Emirates NBD share of losses for Union Properties for Q1 2011 includes an amount of AED 74 million loss pertaining to the 2010 financial year 25
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