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Investor Presentaiton

Business Overview - Strategic Focus - Update NDB bank • • • "Transformation 2020" - The Bank's strategic framework spanning up to year 2020 Goal To transform the Bank to a large, systemically important bank from its current mid sized status by end 2020 Involves a wide span of changes including the business focus, business processes, organizational structure, employee mindset and culture Majority of the strategic initiatives are now implemented • Results are reflected in the financial numbers recorded for Q3 2018 • • • Greater results to be derived in the near future Clear indication that the goal will be met well ahead of the set deadline of 2020 Already strategized the way forward beyond 2020 as a systemically important bank T20 TRANSFORMATION 2020 ONE NDB 8
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