Credit Quality and Financial Performance

Strategic Imperatives are Evolving Gradual Shift in Focus from Strengthening the Bank to Growth Acceleration Emirates NBD 2008 Crisis Manage ment 2009 2010 Strengthening the Bank 2011 2012 Growth Acceleration 1. Optimise Balance Sheet • Capitalisation Liquidity 2. Enhance Profitability • Operating efficiency Margins and fee generation 3. Enhance Risk Management 4. Selective Investment in Growth Areas 1. Optimise Balance Sheet • Capital allocation • Funding Efficiency 2. Drive Profitability • Key account planning Customer service/retention 3. Enhance Platforms 4. Measured Investment in Growth Areas 28

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