Investor Presentaiton

Non Interest Income Emirates NBD Highlights Non-interest income improved 17% q-o-q and 25% y-o-y Quarterly improvement due to a rise in fee income from credit card business and helped by an increase in trade finance volumes and increased brokerage & asset management fees Core gross fee income improved 15% trends being: - Banking fee income improved 22% q-o-q and 44% y-o-y Trade Finance income up 11% q-o-q and 37% y-o-y Brokerage fees up 58% q-o-q and 86% y-o-y Forex, Rates & Derivatives income down 1% q-o-q and y-o-y Non-Core fee income up 26% q-o-q and 42% y-o-y due to: Property income which declined 3% q-o-q but improved 195% y- o-y Investment securities income up 79% q-o-q and down 8% y-o-y Composition of Non Interest Income AED Mn Q1 14 Q1 13 Better/ (Worse) Q4 13 Better/ (Worse) q-o-q and 30% y-o-y, key Core gross fee income Fees & commission 1,031 792 30% 895 15% (157) (70) (124%) (137) (15%) expense Core fee income 874 722 21% 758 15% Property income/ 115 39 195% 118 (loss) (3%) Investment securities Total Non Interest Income 111 121 (8%) 62 79% 1,101 882 25% 938 17% Core Gross Fee Income Trends (AED Mn) Core Gross Fee Income Trends (AED Mn) 163 1,031 132 (4) +30% +15% 1,031 876 895 49 792 792 817 253 266 255 186 69 256 47 -50 43 37 530 367 418 410 434 131 145 171 162 180 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q1 13 Trade Fee Brokerage finance Income & AM fees Forex, Rates & Other Q1 14 Forex, Rates & Other Brokerage & AM fees Trade finance Fee Income 18

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