Investor Presentaiton

Non Interest Income Emirates NBD Highlights Q3 2013 YTD Non interest income increased by 9% from same period last year Composition of Non Interest Income AED million Q3 13 YTD Q3 12 YTD % Q3 13 Q2 13 % - Higher core fee income by 8% - Higher property income of AED 272 million relative to AED 52 million Core gross fee income 2,485 2,243 +11% 817 876 -7% - Offset by lower investment securities income by 31% Q3 2013 YTD Core gross fee income improved by 11% due to - - improvement in trade finance income (+14%) improvement in fee income (+24%) increase in brokerage and asset management fees (+80%) offset by decrease in forex, rates and other income(-12%) Fees & commission expense Core fee income Property income / 2,164 272 (321) (230) +40% (136) 2,013 +8% 681 52 +423% 110 124 (115) +18% 761 -11% -11% (loss) Investment 343 496 -31% 101 122 -17% securities Total Non Interest Income 2,780 2,560 +9% 891 1,007 -12% Core Gross Fee Income Trends (AED million) Core Gross Fee Income Trends (AED million) 215 59 99 2,485 +20% 876 67 2,243 792 817 735 +7% 682 266 186 256 148 274 47 50 17 37 33 380 395 360 263 335 157 165 163 183 186 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q3 12 YTD Trade finance Fee Income Brokerage & AM fees Forex, Rates & Other Q3 13 YTD Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance 18

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