Investor Presentaiton

1 2014 Strategic Priorities Emirates NBD 2 3 4 LO 5 Deliver an excellent customer experience Build a high performing organization Drive core business Run an efficient organization Drive geographic expansion • 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 Continue to transform Wholesale Banking franchise • Fortify Retail franchise and turbo-charge Islamic franchise • Focus on legacy NPLs and Tail management • Diversification of Income Streams, improved Capital Efficiency and stronger Liquidity Streamlining of organizational set-up • Consolidate and rationalize operations & platforms • Integrate Egypt business into Emirates NBD Group (Target completion: Q2 2015) • Selectively pursue organic growth in current international markets 34

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