Financial and Operating Performance

Two years on from the crisis, the Bank is better positioned for the future Capital Ratios - Basel II Loan to Deposit Ratios Liquid Assets 20.1% 7.3% 20.4% Stronger capital base 10.5% 2.0% and liquidity 8.5% 9.7% 11.1% 12.8% 129.0% 109.0% -9.5% 99.0% 88.0% 2008 2010 ■Net Liquid Assets Ratio (%) 2008 2010 T1 T2 2008 2010 Stronger Margins and Cost to Income Ratio 2.52% 2.18% ■Headline LTD (%) Adjusted LTD (%) Income and costs (AED billion) ■Liquid Assets Ratio (%) Distribution Network income generating 39.7% ability and improved efficiency Significantly de-risking the balance sheet 135 9.7 8.4 31.4% 120 3.4 3.1 2008 2010 2008 CI Ratio (%) Impaired Loans -NIM (%) ■Income 2010 Costs Investments (AED billion) 19.6 10.0% 1.6% 2008 2010 Impaired Loans Ratio (%) 2008 2010 ■Branches Impairment Charge (AED billion) 3.5 0.6 1.7 15.0 2.9 1.0 2.9 1.4 0.6 2008 2010 2008 2010 Investment Securities Associates Credit ■Investments Completed largest Financial Services Merger in the Region, with scalable new-generation platforms and strong brand, culture and franchise Emirates NBD 23 23

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