Emirates NBD Earnings Presentation

Credit Quality Loans & Receivables and Islamic Financing Highlights The Bank continues to pro-actively manage credit quality ■ NPL ratio, excluding impaired investment securities, increased to 3.66% in Q3 2010 from 2.90% in Q2 2010 and 2.30% in Q4 2009 ■ Added USD 193m to PIP in Q3 2010 YTD; total PIP of USD 699m at Q3 2010 representing 1.3% of total credit risk weighted assets ■ Dubai World specific provision made in Q3 2010 Approximately 70% of Saad and Al Gosaibi exposure provided Loan Portfolio by Type 100% = USD 57.2b Retail 10% Sovereign 25% Islamic 10% Corporate 55% Q3 2010(1) NPL & Coverage Ratios (2) 118% 112% 110% 109% 106% 103% 104% 104% 105% 104% 100% NPL and Impairment Allowance Composition (USD million)(2) NPL Composition Impairment Allowance 2,080 Composition 2,170 283 1,657 1,854 1,557 1,373 1,550 699 241 3.66% 207 1,436 186 906 709 527 2.90% 506 2.64% 830 860 2.30% 731 538 635 1.84% 1,471 1.55% 56 155 891 930 1,023 1,145 0.99% 0.97% 0.92% 0.94% 1.18% 355 456 520 557 480 126 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 NPL Ratio % Coverage Ratio % 2008 2009 Q1 10 Q2 10 Q3 10 ■ Corporate ■Retail ■Islamic 2008 2009 Q1 10 Q2 10 Q3 10 ■Specific Impairment Allowances ■Portfolio Impairment Allowances 1) Loans and advances before provisions 2) NPLs, Impairment Allowances and Coverage ratios for 2008 & 2009 exclude investment securities classified as loans & receivables; NPL ratio restated to be calculated on gross loans & receivables, previously calculated on net loans & receivables; NPLs exclude exposure to Dubai World Emirates NBD 17

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