Investor Presentaiton

Credit Quality Group Loan Portfolio by Type – Q3 2011 YTD(1) Istemic 99 100% AED 209.1b Sovereign 27% Retell 10% Corporate 54% Loan Portfolio by Type - Q3 2011 YTD(1) 100% AED 209.1b Others Transport & Contracting 3% 4%6 comms 296 _Menul. 3% Trade 4% Sovereign 27% Personal- _ Corporate 5% Services 9% Real estate 15% Porsonal- FI & Investment Co's 16% Retail 12% Impaired Loans Composition (AED million) ■Credit Underlying 26.941 360 ■Specific-Underlying Credit Credit IIRLs (2) (2) Investment Securities 20.562 361 21.203 371 19,024 369 ■Specific-IIRLS Investment Securities 13,969 11,564 11,522 9,164 Impairment Allowance Composition (AED million) 263 270 267 745 1,695 8,322 912 265 912 5,946 674 9,537 10,111 3.314 8,462 5,831 7,145 12,611 981 3,292 789 8,679 9,348 9,491 5,275 1,316 5,041 2,333 1,976 2006 2009 2010 0111 0211 0311 2008 2009 2010 0111 0211 0311 1) Gross Loans and receivables before provisions and deferred income 2) IIRL = Interest Impaired Renegotiated Loans Emirates NBD 20 20

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