Q2-16 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Non-Interest Income Highlights . • • Non-interest income held steady y-o-y and improved 7% compared to the previous half year Core fee income improved 5% y-o-y and 6% compared to the previous half year driven by growth in credit card and foreign exchange volumes Property income declined on lower demand for bulk and individual property sales compared to 2015 Income from Investment Securities improved y-o-y due to gains from the sale of investments Emirates NBD Composition of Non Interest Income (AED Mn) AED Mn H1-16 H1-15 Better / (Worse) H2-15 Better/ (Worse) Core gross fee income Fees & commission expense 2,599 2,457 6% 2,440 7% (416) (369) (13%) (371) (12%) Core fee income 2,183 Property income/(loss) Investment securities & other income 65 2,088 234 5% 2,069 6% (72%) 87 (25%) 324 251 29% 259 25% Total Non Interest Income 2,572 2,573 (0%) 2,415 7% Trend in Core Gross Fee Income (AED Mn) +11% +2% 1,268 1,287 1,313 1,187 1,172 312 291 372 366 364 72 58 49 49 55 625 647 666 696 726 179 176 181 176 Q2 15 Q3 15 Q4 15 Q1 16 168 Q2 16 Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance

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