Investor Presentaiton

Emirates Islamic Bank Divisional Performance Global Markets & Treasury ■ ☐ ☐ ☐ Revenue improved 27% q-o-q and 67% y-o-y to AED 247 million in Q1 2012 aided by higher investment income relative to previous quarters and a pick-up in foreign exchange and treasury sales business Treasury sales recorded a pickup in activity in Q1 2012 as customers exhibited greater demand for interest rate hedging products as well as through increased sales of floating rate notes and structured products The foreign exchange flow business improved during the quarter due to recent volatility in the foreign exchange market, seasonal demand and targeted marketing efforts EIB revenue improved 21% y-o-y to AED 223 million in Q1 2012 (net of customers' share of profit), due growth in both net interest and non- interest income lines Financing receivables rose 1% to AED 14.3 billion from end-2011 Customer accounts increased by 5% to AED 19.2 billion from end- 2011 Total number of EIB branches remain at 33 while the ATM & SDM network totals 106 Balance Sheet Trends AED billion 303 Revenue Trends AED million -3% 701 678 590 247 2008 2009 2010 2011 Q1 2012 Income +1% 25.3 19.6 20.5 19.2 17.9 18.0 18.2 15.9 +5% 14.3 14.3 Revenue Trends AED million -26% 928 843 767 564 223 2008 2009 2010 2011 Q1 2008 2009 2010 2011 Q1 2012 2012 Note: Stand-alone Financial Statements for Emirates Islamic Bank may differ from these results due to consolidation adjustments Financing Receivables Customer Accounts Emirates NBD Income 29

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