Investor Presentaiton

Non Interest Income • • Highlights Non-interest income improved 31% y-o-y and 36% from the previous half year due to a rise in fee income, brokerage income, and income from legacy property sales and investment securities Positive trend in core gross fee income due to a rise in credit card business and trade finance volumes as well as a doubling in brokerage and asset management fees Property income improved significantly due to increased profit from sale of inventory and disposal of a legacy site Investment securities income up 41% due to strong investment portfolio performance Core Gross Fee Income Trends (AED Mn) Emirates NBD Composition of Non Interest Income AED Mn Core gross fee income H114 H1 13 Better / (Worse) Q2 14 Q2 13 Better/ (Worse) 2,177 1,668 31% 1,146 876 31% Fees & commission expense (361) (185) (95%) (204) (115) (77%) Core fee income Property income / (loss) 1,816 324 1,483 22% 942 163 99% 209 761 24% 124 69% Investment 343 243 41% 231 122 89% securities Total Non Interest Income 2,483 1,889 31% 1,381 1,007 37% Core Gross Fee Income Trends (AED Mn) 2,177 302 53 83 70 1,668 +31% +11% 1,146 1,031 876 908 817 310 253 253 268 186 69 98 47 50 43 530 571 431 410 434 145 171 162 180 167 Q2 13 Q4 13 H1 13 Trade finance Fee Income & AM fees Brokerage Forex, Rates H114 Q3 13 Forex, Rates & Other Brokerage & AM fees Trade finance Q1 14 Q2 14 Fee Income & Other 19

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