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Operating Performance Emirates NBD Profile Operating Environment Appendix Strategy Financial Non-Interest Income Emirates NBD 16 Highlights • • . • Non-interest income rose 1% y-o-y as core fee income growth was offset by lower gains from the sale of properties and investment securities Core fee income improved 14% y-o-y driven by increases in trade finance, foreign exchange and derivative income, alongside growing credit card volumes. Property income declined on lower demand for bulk and individual property sales compared to 2014 Income from Investment Securities declined on the back of greater uncertainty in global markets, coupled with some large disposals in 2014 not repeated in 2015 Composition of Non Interest Income (AED Mn) AED Mn FY-15 FY-14 Better/ (Worse) Core gross fee income 4,897 4,324 13% Fees & commission expense Core fee income (740) (670) (11%) 4,157 3,654 14% Property income/(loss) 321 611 (47%) Investment securities & other income Total Non Interest Income 510 680 (25%) 4,987 4,946 1% Trend in Core Gross Fee Income (AED Mn) +17% +8% 1,270 1,268 1,187 1,172 1,088 387 312 372 291 273 54 63 72 58 49' 578 646 625 647 666 174 183 179 176 181 Q4 14 Q1 15 Q2 15 Q3 15 Q4 15 Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance

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