Investor Presentaiton

2012 Strategic Imperatives Summary of Key Achievements Optimise Balance Sheet and Capital allocation • Headline LTD ratio of 102% at end-2012 from 105% during end-2011 • Strong CASA growth of 15% or AED 12 billion during 2012 • Raised AED 14.9 billion medium - long term funding at attractive pricing . Drive Profitability Emirates NBD . Roll out of sales effectiveness program and revised front-line incentive scheme in CWM Roll out of sales force effectiveness program and revamped product/services offerings in EIB • Developed a strategic plan and roadmap for the wholesale bank Ran a Group wide cost optimisation program Enhance Support Functions and Strengthen Platforms Undertake Measured Investments in Growth Areas • Expanded Tanfeeth scope and completed integration of all planned back office functions · Customer service excellence program rolled-out and key processes reengineered • Development of Group wide Business Process Management (BPM) program • Completed integration of Dubai Bank • Optimised retail distribution set-up Launch of China Representative Office in Beijing in May • Continued organic expansion in current international locations 30 30

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