Tanfeeth Overview

Strategic Imperatives 1 Optimise Balance Sheet and Capital allocation 2012 Objectives ■ Maintain headline LTD ratio within 95% - 100% target range ■ Continue to focus on liabilities growth including CASA and long term FDs ■ Target raising medium - long term funding at acceptable pricing ■ Increase lending activity to select sectors i.e. consumer finance, mid corporate & SME, and large corporate sector in Dubai and Abu Dhabi ■ Continue to streamline and consolidate subsidiaries and decide on further divestment opportunities Evidence of Success in Q3 2012 YTD ■ Headline LTD ratio of 98% in Q1 2012, 100% in Q2 2012 and 99% in Q3 2012 from 105% in Q4 2011 ▪ Strong CASA growth of 14% or AED 11 billion during Q3 2012 YTD, particularly in Retail banking, bringing Group wide CASA:FD portfolio mix to a healthy 42:58 ■ In addition launched "Deposit Carnival " to attract additional funds with ongoing promotion across all key media ■ Raised AED 11.9 billion medium - long term funding at attractive pricing ■ Consolidated Private Banking, Asset Management and brokerage under a newly created "Wealth Management" unit to realise further synergies and cross-fertilise between the units Emirates NBD 22 32

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