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Investor Presentaiton

Credit Quality Composition of Gross Loan Portfolio Emirates NBD Corporate and Retail Lending Portfolio Corporate & Sovereign Loans (AED 195 bn) Retail Loans (AED 24 bn) By Type (AED 256 bn) By Econ Sector (AED 256 bn) Trans Retail 9% & Cont. 3% Others 4% com. Manuf. Trade 5% Manuf. Trade Trans. & com 3% 5% 3% Per. - Others 4% Sover Sov. 34% Corp. 3% eign Per. - Corp. 34% Serv. 4% 9% Corpo Serv. 11% rate Islami RE Per. - Ret. 42% 10% 15% Fin Inst 13% C 15% Fin Inst 12% RE 10% Islamic Lending Portfolio By Type (AED 37 bn) Cont. 4% Sov. 44% Deposits by Type By Econ Sector (AED 37 bn) By Type (AED 229 bn) Sov. Istissn Other 1% a'a S Wakal 4% a 5% 7% Credit card receiv ables Retail 42% RE 23% Fin Inst 13% 2% Murab Ijara aha Serv. 31% 51% 5% Per. - Trade Cont. Others Corp. 4% Trans. & 2% Manuf. 3% 4% com. 1% 2% Others 1% Time 47% CASA 52% Overdr afts 6% Others 10% Car Person al Loans Loans 13% 38% Credit Cards 16% Time Loans 3% Mortga ges 14% Islami C 19% By Type (AED 229 bn) Conve ntional 81% 21

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