Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Non-Interest Income Emirates NBD Highlights Non-interest income declined 7% y-o-y due to lower gains from the sale of properties and investment securities • Core fee income improved 14% y-o-y driven by increases in foreign exchange and derivative income, growing credit card volumes as well as higher asset management fees which were partially offset by lower brokerage fees • Property income declined on lower demand for bulk and individual property sales compared to the previous period 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 Q3-15 YTD Q3-14 YTD Better / (Worse) Core gross fee income 3,630 3,236 12% Fees & commission expense (557) (551) (1%) Core fee income 3,072 2,685 14% Property income/(loss) 262 510 (49%) Investment securities 247 668 (63%) Total Non Interest Income 3,583 3,863 (7%) Trend in Core Gross Fee Income (AED Mn) Individual figures may not add up to total due to rounding. +11% 1,270 1,187 1,172 -1%) 1,059 1,088 387 312 291 256 273 54 64 63 72 58 575 578 646 625 647 164 174 183 179 176 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance 18

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