Investor Presentation August/September 2009

Asset Quality Loans and Receivables Highlights ☐ Loan portfolio is balanced and well secured ▪ Emirates NBD's credit quality remains healthy across the Bank's corporate and retail portfolios Prudently provided for exposure to Al Gosaibi / Saad Groups ▪ Increase in delinquencies and non-performing loans is within expectations ■ NPL ratio, excluding impaired investment securities, increased to 1.56% in H1 2009 from 0.95% reported in FY 2008 (Q1 2009: 1.19%) ■ Added AED 731m to portfolio impairment provisions in H1 2009 as a measure of prudence in the current environment (Q1 2009: AED 224m) NPL and Coverage Ratios Loan Portfolio by Sector - H1 2009 Transport & 100% = AED 222.1b Communication, 3% Manufacturing, 5%- Contracting, 5%- Trade, 5%- Real Estate, 15% Personal - Corporate, 7% Note: Loans and advances before provisions -Others, 4% -Sovereign, 14% Banks, financial institutions & investment companies, 10% Personal - Retail, 12% Services, 20% Retail Loan Portfolio by Sector - H1 2009 100% = AED 26.5b 3.5% 130% 118% 3.0% 110% 120% 105% 103% 104% 106% Others, 8%- 104% 110% 2.5% Islamic Financing, 100% 3% 2.0% 1.6% Time Loans, 11% Personal Loans, 31% 90% 1.5% 1.2% 1.0% 1.0% 1.0% 0.9% 1.0% - 80% Overdrafts, 3% 1.0% 70% 0.5% 60% 0.0% 50% Mortgages, 18% Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Car Loans, 17% Credit Cards, 9% NPL Ratio % -Coverage Ratio % Note: NPL and Coverage ratios for 2008 & 2009 exclude investment securities classified as loans & receivables Emirates NBD 12

View entire presentation