Investor presentation - National Bank of Abu Dhabi

Provisions & NPLsProvisions* & NPLs* (AED mn)Total Provisions Collective Provisions NPLsKey points• Strong asset quality – one of the lowest NPL ratios amongstmajor UAE banks5,781 5,961 6,121 6,2646,1145,518 5,650 5,8222,428 2,428 2,557 2,7716,3272,9756,013• NPL ratio of 3.16% at end-FY’13 (3.3% Q3’13, 3.4% FY’12);NPLs declined in Q4 by AED 251mn; NPLs seem to havepeaked after reaching a high of 3.55% in 1Q’13• Specific provisions at 55.7% of NPLs at end-FY’13(end FY’12 – 53.4%), in addition to collaterals• Collective provisions at AED 2,975mn; continue to be fullycompliant with the Central Bank of UAE’s minimumrequirement of 1.5% for collective provisions, ahead of theeffective date (year end 2014)Dec-12 Mar-13 Jun-13 Sep-13 Dec-13• NPLs ratio at 3.16% at end-FY’13 (3.4% at end-2012)* Provisions on loans & advances - excludes all other provisions* NPLs stated net of suspended interest39