UAE Banking Market Update

Emirates NBD at a Glance " Largest Bank in UAE No.1 Market share in UAE (at 30 Sep 2011): Assets c.16%; Loans c.17% Deposits c.18% Retail market shares (at end 2010): Personal loans c.22% - Home loans c.7% Auto loans c.11% Credit cards c.9% Largest Branch Network in the UAE Dubai 98 Abu Dhabi Sharjah Other Emirates Total 22 13 9 142 Umm al-Quwain (2) Ajman (2) Dubai (98) ■ Debit cards c.17% Fully fledged financial services offerings across retail banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Abu Dhabi (22) Credit Ratings Long Term Short Term Outlook A3 P-2 Negative Moody's Fitch Ratings Ci CAPITAL intelligence Emirates NBD A+ F1 Negative A+ A1 Stable Branch Rep office International Presence o Ras al-Khaimah (3) -Fujairah (2) Sharjah (13) Conventional 110 Islamic Total 32 142 11

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