2013 Awards and Strategic Priorities

Non-Interest Income Emirates NBD Highlights Non-interest income improved by 19% q-o-q but declined by 3% y-o-y Impact of non-core items: - Higher investment securities income in Q1 2013 of AED 124 million relative to AED 52 million in Q4 2012 Composition of Non Interest Income (AED million) AED million Core gross fee income Fees & commission expense Q1 2013 Q1 2012 % Q4 2012 % 750 756 -1% 674 +11% (24) (38) +37% (47) +49% Core fee income 726 718 +1% 627 +16% Property income 32 14 +129% 61 -48% - Lower property income in Q1 2013 of AED 32 million relative to AED 61 million in Q4 2012 Investment securities income/(loss) 124 177 -36% 52 +138% Total Non Interest Income 882 909 -3% 740 +19% • Core fee income improved q-o-q by 11% and stable y-o-y, key trends being: - Improvement in banking fee income (20% q-o-q and 30% y-o-y) arising from increased fee on Loan Syndication and DCM transactions Improvement in brokerage/asset management fee income (16% q-o-q and 12% y-o-y) Trend in Core Gross Fee Income (AED million) -1% 756 747 750 645 674 +11% 310 255 215 163 198 37 31 17 33 32 257 303 308 279 334 - Forex, Rates & Other increased 9% 156 158 157 165 164 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Forex, Rates & Other Fee Income Brokerage & AM fees Trade finance q-o-q & was 31% lower y-o-y 18

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