Investor Presentaiton

Loan and Deposit Composition Composition of Gross Loan Portfolio By Type (AED 265 bn) By Econ Sector (AED 265 bn) Trans Cont & 3% Others 2% Manuf. 3% com. Trade 4% Islami Retail 11% C* RE 15% 14% Sover Corpo rate Fin Inst 9% eign 37% 38% Ret. 19% Islamic Lending Portfolio* Credit card By Type (AED 38 bn) Wakala receivabl es Others 6% Istissna'a 3% 3% 2% Ijara Murabah 29% a 57% *Islamic loans net of deferred income Per. - Sov. 37% Emirates NBD Corporate and Retail Lending Portfolio Per. - Corp. 1% Per. - Corporate & Sovereign Loans Retail Loans (AED 29 bn) (AED 197 bn) Others 4% Manuf. 4% Trade Trans. & Com Cont. 3% 3% Overdr Corp. afts 0% 7% Others 15% Serv. 6% Sov. 50% Fin Inst Person al 36% 11% Car Loans Credit 11% RE 17% Cards 15% Time Loans 3% Mortga ges 13% Deposits by Type By Econ Sector (AED 38 bn) By Type (AED 253 bn) Sov. Per. - Retail 48% RE 19% 0% Fin Inst 10% Serv. 5% Per. - Others Corp. 3% 4% Trade 5% Manuf. TranSo&t. com2% 2% 2% Others 2% Time 41% CASA 57% Islami C 18% By Type (AED 253 bn) Conve ntional 82% 25 25

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