Tanfeeth Overview

Funding and Liquidity Highlights ■ Headline LTD ratio of 99% at Q3 2012 The LTD ratio is being managed to the target range of c.95%-100% ■ Liquid assets (excl. Investments) of AED 48.2 billion as at 30 Sep 2012 (16% of total assets) Debt maturity profile well within existing funding capacity Issued AED 11.9 billion medium term debt during 9M 2012 Debt/ Sukuk. Issued 9% Emirates NBD Banks 6% Composition of Liabilities 100% AED 270b Customer deposits 79% Headline Loan to Deposit Ratio (%) 129% 126%127% 122% 117% 119% 118%118% 111% 103% 101% Target LTD Ratio of 95-100% 98% 107% 105% 100% 99% 98% 96% 92% Q108Q208Q308Q408Q109Q209Q309Q409Q110Q210Q310Q410Q111Q211Q311Q411Q112Q212Q312 Maturity Profile: Debt/Sukuk Issued (AED million) 100% = AED 24.7b Others 6% 6,671 3,743 7,664 h...b. 1,046 1,280 569 2,525 1,034 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Note: Debt Issued includes EMTNS of AED 14 billion, syndicated borrowings from banks of AED 5.5 billion and borrowings raised from loan securitisations of AED 1.6 billion 184 2022 23

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