Emirates NBD 2014 Achievements and Strategic Update

Loan Composition Total Gross Loans (AED 267 bn) Corporate Loans (AED 95 bn) Corporate Treasury/Other Retail 27 (10%) (0%) 95 (35%) Emirates NBD Cont. Trans. & com. 8% 7% RE 32% Trade 12% 38 7% (14%) Manuf. Islamic* 5% 107 (40%) 3% Others** 27% Serv. Fin Inst Sovereign Retail Loans (AED 27 bn) Others Overdrafts 7% 12% Car Loans 15% Personal 32% Islamic* Loans (AED 38 bn) - Per. Retail 53% RE 16% Fin Inst 8% 5% 5% 0% Serv. Per. - Corp. 6% 2% Others** 3% Manuf. 2% Trade 14% 13% 5% Mortgages Credit Cards Time Loans *Islamic loans net of deferred income; **Others include Agriculture and allied activities and Mining and quarrying Cont. Trans. & com. 24 24

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