Investor Presentaiton

1 2 3 2013 Strategic Imperatives Summary of Key Achievements Deliver an excellent customer experience Build a high performing organization Drive core business Customer Service Excellence embedded in organizational culture Emirates NBD • Continued investments to enhance digital capabilities across the bank Building the leading multi-channel bank in the UAE . Significant enhancements to Emirates NBD value proposition for Nationals • Increased staff engagement across Group • Wholesale Banking transformation progressing well • Retail & Islamic franchises continue outperforming market • Consolidation of WM platform completed 4 Run an efficient organization • Organizational streamlining though elimination of overlaps • IT lean transformation on-going • End-to-end transformation of key bank processes 5 Drive geographic expansion System enhancements across International locations • Indonesia rep office opened in Q4 • Acquisition of BNP Paribas Egypt completed; Integration underway 32 32

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