Credit Quality and Financial Performance

Strategic Imperatives for 2011 Optimise Balance Sheet and Capital allocation Drive Profitability Enhance Platforms Measured Investment in Platforms for Growth Objectives Increase lending activities in identified pockets of growth, e.g. SME lending, cards, ... ■ Further diversifying funding sources with a focus on reducing cost of funding ■ Review all Group companies (subsidiaries and associate companies) and decide on divestment opportunities, increasing stakes or complementary acquisitions Management focus on yield optimisation ▪ Extending Key account planning capturing a larger share of wallet of existing broad customer base through Cross-sell Treasury and Investment Banking services to corporate clients ■ Increasing fee income through enhanced sales efficiency for FX, investment and banc-assurance products Improve customer retention and deliver distinctive customer service ■ Continue implementation of revised spend control processes Capturing significant efficiency and process improvements through Outsourcing ■ Further enhance employee proposition through talent/leadership development as well as performance and retention management ■ Continued enhancement of the Group wide Risk strategy and alignment of policies to defined risk appetite Roll-out of Group wide service Excellence effort as part of a change management program along all customer touch points Exploit domestic opportunities - Implementation of Private Banking growth plan and strengthening SME segment - Continued distribution network expansion/optimisation - Continued roll-out of Abu Dhabi growth plan Exploit international opportunities - Implementation of organic growth plan for KSA and detailing growth strategies for all other existing locations - Proactively pursuing inorganic regional expansion opportunities Emirates NBD 29 29

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