UAE Economic Update

Credit Quality Composition of Gross Loan Portfolio Emirates NBD Corporate and Retail Lending Portfolio Corporate & Sovereign Loans Retail Loans (AED 21 bn) By Type (AED 240 bn) Retail 8% By Econ Sector (AED 240 bn) Trans. & com. Cont. 2% 4% (AED 183 bn) Others .3% Manuf. 3% Trade 4% Per. - Manuf. 3% Others 3% Trans. & Cont. Trade 5% com 4% 2 Sover eign 33% Sov. 33% Corp. Per. - 4% Corp. 4% Serv. 8% Serv. 10% Corpo Per. - Islami rate Ret. C 44% RE 11% 14% Fin Inst 15% 14% Overdr Others 4% afts 5% Car Loans Person Sov. al 43% 12% Loans Credit 43% Cards 16% Fin Inst 15% RE 11% Time Loans 5% Impaired Loans and Impairment Allowances (AED billion) Impaired Loans Impairment Allowances 30.8 32.0 32.9 33.6 33.8 16.6 17.3 15.6 13.9 14.8 3.1 13.8 13.9 14.2 14.4 14.3 1.7 2.1 2.2 3.2 6.7 6.8 7.2 7.3 7.9 9.3 9.6 10.1 10.6 9.9 3.8.0.4 3.8 .3.9 3.8 3.8 3.7 3.7 3.8 3.8 3.8 4.5 4.8 4.9 4.7 -0.4 0.4 -0.4 0.4 0.2-1.5 1.9 2.3 -0.2- 0.3 0.2- 0.2 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 DW/DH* Core Corporate Investment Securities *DW/DH = includes D1 (exposure AED 9.38 billion; provision AED 552 million) and D2B (exposure AED 4.62 billion; provision AED 2.51 billion) Retail Islamic 21

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