Tanfeeth Overview

Emirates Islamic Bank Divisional Performance Global Markets & Treasury ☐ Emirates NBD ☐ ப Revenue improved 13% y-o-y (from Q3 2011 YTD to Q3 2012 YTD) to AED 548 million Tightening of Spreads in regional credit produced opportunities for the trading desk which resulted in strong third quarter for credit trading desk Treasury Sales enjoyed a good quarter as volatility returned to the FX markets which saw some hedging interest from clients; the prevailing low interest rate scenario attracted some interest rate hedging activities as well EIB revenue improved 28% y-o-y (from Q3 2011 YTD to Q3 2012 YTD) to AED 707 million in (net of customers' share of profit), due to growth in net funded income and fee income Financing receivables rose 7% to AED 15.2 billion from end-2011 Customer accounts increased by 9% to AED 19.9 billion from end- 2011 As at Q3 2012, EIB branches totals 35 while the ATM & SDM network totals 123 Note: Stand-alone Financial Statements for Emirates Islamic Bank may differ from these results due to consolidation adjustments All P&L numbers are YTD, all Balance Sheet numbers are at end of period Balance Sheet Trends AED billion Revenue Trends AED million -3% יון! 548 2008 2009 2010 2011 9M 2012 Income +7% 25.3 19.6 20.5 19.9 17.9 18.0 18.2 15.9 +9% 14.3 15.2 Revenue Trends AED million -26% 928 843 767 707 564 2008 2009 2010 2011 Q3 2012 2008 2009 2010 2011 9M 2012 Financing Receivables Customer Accounts Income 29

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