Financial & Operating Performance

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Non-Interest Income Highlights Core fee income improved 9% y-o-y driven by growth in foreign exchange and derivative income, bancassurance, credit card and trade finance income Non-interest income improved 1% y-o-y as higher core fee income offset lower gains from the sale of properties and investments Income from property declined 129% y-o-y due to a downward revaluation of illiquid inventory Investment securities & other income was 9% lower y-o-y due to lower income from dividend and investment securities sales Composition of Non Interest Income (AED Mn) AED Mn Core gross fee income Better / (Worse) 9% FY 2017 FY 2016 5,325 4,889 Fees & commission expense Core fee income (981) (886) (11%) 4,344 4,003 9% Property income/(loss) (60) 210 (129%) Investment securities & other income Total Non Interest Income 386 424 (9%) 4,669 4,637 1% Trend in Core Gross Fee Income (AED Mn) +23% 1,373 1,283 1,338 1,332 (0%) 1,078 410 302 347 328 101 42 52 42 54 29 777 749 766 776 795 160 162 Q4 16 Q1 17 174 162 180 Q2 17 Q3 17 Q4 17 Forex, Rates & Other Fee Income Brokerage & AM fees Trade finance Emirates NBD 17

View entire presentation