Credit Quality Overview

Non Interest Income Highlights • Non-interest income improved 39% y-o-y due to a rise in all sources of fee income and income from sale of properties and investment securities Income from brokerage and forex & rates dropped in Q3 due to seasonal effects (fewer trades during Ramadan, summer and Eid holidays) Property income improved significantly helped by large sale of property inventory to Emirates REIT Investment securities income up 92% helped by further disposal of Union Property shares in Q3 Emirates NBD Composition of Non Interest Income AED Mn Q3-14 YTD | Q3-13 YTD Better / (Worse) Core gross fee income 3,236 2,480 30% Fees & commission expense (551) (321) (72%) Core fee income 2,685 2,159 24% Property income/(loss) Investment securities 510 272 88% 668 348 92% Total Non Interest Income 3,863 2,780 39% Core Gross Fee Income Trends (AED Mn) Core Gross Fee Income Trends (AED Mn) +30% 3,236 462 155 76 2,480 62 -8% 1,146 1,031 1,059-- 895 310 815 253 256 171 255 76 69 64 50 +43 423 530 593 575 434 171 162 180 167 164 Q3 13 Q3 13 YTD Trade finance Fee Brokerage Income & AM fees Forex, Rates & Other Q3 14 YTD Q4 13 Forex, Rates & Other Brokerage & AM fees Q1 14 Q2 14 Q3 14 Fee Income Trade finance 18

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