Investor Presentaiton

Non Interest Income Emirates NBD Highlights FY 2012 Non interest income increased by 24% from FY 2011 Higher core fee income by 11% Higher investment securities income by 158% Higher property income of AED 93 million relative to negative AED 250 million in 2011 FY 2012 Core gross fee income improved 12% due to - improvement in trade finance income (+9%) improvement in fee income (+29%) slight increase in forex, rates and other income (+1%) AED million Core gross fee income Fee & commission expense Composition of Non Interest Income FY 12 FY 11 % Q4 12 Q3 12 % 2,778 2,489 +12% 647 644 +0% Core fee income Property income/(loss) (146) (108) +36% (47) 2,632 2,381 +11% 600 93 (250) n/a (42) +13% 603 -0% 61 12 +391% Investment securities 575 223 +158% 79 175 -55% - offset by decrease in brokerage and asset management fees (- 23%) Other One-Off Income 0 -100% 0 Total Non Interest Income |3,300 2,672 | +24% 741 790 318 0 n/a -6% Core Gross Fee Income Trends (AED million) Core Gross Fee Income Trends (AED million) 262 (33) 8 2,778 4,426 -37% 1,428 3,436 3,340 52 2,489 861 744 2,778 2,489 +12% 1,120 886 882 911 878 110 142 1,263 1,136 1,156 889 1,151 614 557 529 579 632 FY 08 FY 11 Trade finance Fee Income Brokerage Forex, Rates & AM fees & Other FY 12 FY 09 Forex, Rates & Other Brokerage & AM fees FY 10 FY 11 FY 12 Fee Income Trade finance 19

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