Q2-18 Financial Results Highlights

Operating Environment Non-Interest Income Highlights • Core gross fee income was 10% higher y-o-y and 3% higher q-o-q due to higher foreign exchange income Non-interest income declined 3% y-o-y and 1% q-o-q as lower income from investment securities more than offset the rise in core fee income This quarter included an impairment provision on a private equity fund holding barring which total non interest income would have increased by 4% y-o-y and 6% q-o-q Appendix Strategy Financial & Operating Performance Emirates NBD Profile Emirates NBD 17 Composition of Non Interest Income (AED Mn) AED Mn Q2-18 Q2-17 Better / (Worse) Q1-18 Better/ (Worse) Core gross fee income Fees & commission expense 1,471 1,333 10% 1,428 3% (284) (236) (20%) (272) (4%) Core fee income Property income/(loss) Investment securities & other income 1,187 10 1,097 (27) 138% 8% 1,156 3% (90) (112%) (95) 67 (241%) 53 (278%) Total Non Interest Income 1,103 1,137 (3%) 1,119 (1%) Trend in Core Gross Fee Income (AED Mn) +10% +3% 1,432 1,428 1,471 1,333 1,338 352 347 428 421 482 42 54 29 51 '43' 766 776 795 792 786 174 162 180 165 160 Q2 17 Q3 17 Q4 17 Q1 18 Q2 18 Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance

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