Tanfeeth Overview

Non Interest Income ■ Highlights Q3 2012 YTD Non interest income increased by 21% from Q3 2011 YTD due to Higher core fee income by 5% - Higher investment securities income by 172% Q3 2012 YTD Core fee income improved by 5% from Q3 2011 YTD due to improvement in trade finance income (+10%) - - - improvement in fee income (+18%) Offset by decrease in brokerage and asset management fees (-31%) Offset by slight decrease in forex, rates, derivatives and other income (- 1%) Offset by increase in fee and commission expense (+40%) Core Gross Fee Income Trends (AED million) 41 2,001 Composition of Non Interest Income (AED million) Q3 12 AED million YTD Q3 11 YTD Change (%) Q3 12 Q2 12 Change (%) Core gross fee income 2,131 2,001 +7% 645 747 -14% Fees & commission expense (99) (71) +40% (42) (20) +112% Core fee income 2,032 1,930 +5% 603 728 -17% Property income/(loss) 32 (2) n/a 12 5 +147% Investment securities 496 182 +172% 175 127 +38% Total Non Interest Income 2,560 2,110 +21% 790 860 -8% Core Gross Fee Income Trends (AED million) 132 (35) +7% (7) 2,131 752 702 740 747 647 645 602 336 189 237 298 255 163 -14% 198 35 30 31 17 35 43 29 226 236 279 296 261 303 308 144 138 144 139 151 158 157 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Q3 11 YTD Trade finance Fee Income Brokerage & AM fees Forex, Rates, Q3 12 YTD Derivatives & Emirates NBD Other Forex, Rates, Derivatives & Other Brokerage & AM fees Fee Income Trade finance 17

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