Credit Quality Overview

Strategic Imperatives 2013 Achievements Optimise Balance Sheet and Capital Allocation 2014 Priorities Emirates NBD Deliver an excellent customer experience Build a high performing organization Continue on Group wide Service Excellence Program . Continue to lead the way on multi-channel banking in the UAE Drive customer service through social media, and expand to other platforms • • • Continue to drive Nationalization efforts (training / recruiting) Raise employee engagement to be at par with best in class global banks Improve performance management and accountability across Group Drive Profitability Enhance Support Functions and Strengthen Drive core business Platforms Continue to transform Wholesale Banking franchise Fortify Retail franchise and turbo-charge Islamic finance Focus on legacy NPLs and tail management Run an efficient organization Diversification of income streams, improved capital efficiency and stronger liquidity • Streamlining of organizational set-up Undertake Measured Investments in Growth Areas Drive geographic expansion • Consolidate and rationalize operations and platforms • Integrate Egypt business into Emirates NBD Group (Target completion: Q2 2015) • Selectively pursue organic growth in current international markets 31

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