UAE Economic Update

1 2013 Strategic Priorities Emirates NBD 2 3 Deliver an excellent customer experience Build a high performing organization • Continuous Group wide Current Service Excellence Program, e.g. end to end process optimization to improve turn-around times, etc. Further improvement of convenience and ease of access, e.g. through enhancement of mobile banking offering • Active management of social media to drive customer service Continue to drive Nationalization efforts • Run Group wide Employee Engagement Program Drive core business . Roll-out of Wholesale Banking strategy, e.g. enhanced key account planning process involving Corporate, Retail Banking, Treasury and Wealth Management ⚫ Further build-up of CASA book through strong Retail franchise • Continuous focus to grow underpenetrated areas like SME business and Wealth Management • Leverage new partnerships, e.g. collaboration with Porsche Financial Services to grow auto loan business in the region 4 Run an efficient organization • Ongoing organizational review and streamlining of organizational set-up • Completion of IT lean transformation • Continuous performance transformation of back office functions in Tanfeeth 5 Drive geographic expansion Ongoing organic growth in KSA, UK and Singapore with additional focus of opening Rep Offices in selected markets Integration of BNP Paribas operations in Egypt post completion 30 30

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