Emirates NBD Financial Performance and Awards 2014

• Non Interest Income Emirates NBD Composition of Non Interest Income Highlights Non-interest income improved 33% y-o-y due to a rise in all sources of fee income and income from sale of properties and investment securities New products developed in 2014 such as the eIPO system and the direct remittance platform are expected to help sustain and grow non-interest income Property income improved significantly helped by a number of bulk sales AED Mn Property income declined in Q4-14 compared to earlier quarters, reflecting lower disposals Investment securities income up 66% helped by disposal of some Union Property shares earlier in the year FY-14 FY-13 Better / (Worse) Core gross fee income 4,324 3,468 25% Fees & commission expense (670) (551) (22%) Core fee income 3,654 2,917 25% Property income 611 390 57% Investment securities 680 410 66% Total Non Interest Income 4,946 3,717 33% Core Gross Fee Income Trends (AED Mn) Core Gross Fee Income Trends (AED Mn) 4,324 +10% 514 173 95 1,146 +3% 988 1,031 1,059 1,088 74 3,468 310 253 256 273 318 -69 76 -64 -63 43 530 593 575 578 464 162 180 167 164 174 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 FY 13 Trade finance Fee Income & AM fees Brokerage Forex, FY 14 Rates & Other Forex, Rates & Other Brokerage & AM fees Fee Income Trade finance 18

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