Investor Presentaiton

Islamic Banking Global Markets & Treasury Divisional Performance (cont) Emirates NBD Total income at AED 332 million in Q3 2013 YTD declined from AED 548 million in the same period last year • Net interest income improved in Q3 2013 compared to Q2 2013 due to increased hedging income as Bank took advantage of recent swap rates rise to hedge some positions • This is offset by lower non-funded income mainly from trading desk which faced challenges during Q3 2013 due to market volatility caused by US Fed's decision to defer quantitative easing. Sales desk continued to show healthy revenue growth on demand for foreign exchange and interest rate hedging products. Revenue Trends AED million -22% Net Revenue Trends AED million -22% 528 701 701 678 678 332 528 959 623 682 332 489 78 -3 -157 -431 2010 2011 2012 Q3 13 YTD 2010 2011 2012 Q3 13 YTD NFI NII Income . 25.3 Islamic Banking revenue improved +38% y-o-y (from Q3 2012 YTD to Q3 2013 YTD; net of customers' share of profit) Financing receivables were largely unchanged at AED 23.2 billion from end 2012 Balance Sheet Trends AED billion Revenue Trends AED million +99% 0% 29.2 28.3 26.9 1,187 1,100 • Customer accounts rose by 5% to AED 28.3 billion from end 2012 22.8 23.3 23.2 +5% 261 244 767 15.9 61 595 At end Q3 2013, branches totaled 50 while the ATM & SDM network totaled 179 927 856 706 667 -72 2010 2011 2012 Q3 13 2010 2011 2012 Q3 13 YTD Financing Receivables YTD Customer Accounts NFI NII 29

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