Emirates NBD Investor Presentation

4 Strategic Imperatives (cont'd) Undertake Measured Investments in Growth Areas 2011 Objectives Exploit domestic opportunities – Implementation of Private Banking growth plan and strengthening SME segment - Continued distribution network expansion/optimisation - Continued roll-out of Abu Dhabi growth plan Exploit international opportunities - Implementation of organic growth plan for KSA and detailing growth strategies for all other existing locations – Proactively pursuing inorganic regional expansion opportunities Evidence of Success in 2011 Exploit domestic opportunities Further increase of Private Banking RMs and build-up of SME team (increase of more than 30 RMS across these businesses) - 10 new branches, 3 in Dubai, 5 in Abu Dhabi and 2 in Sharjah taking total number of branches to 145, plan to open at least 5 more branches in 2012 across the UAE - Direct sales force team increased by 42% to almost 660 FTE Captured international opportunities - Established KSA onshore wealth management platform for PB and Retail Business, further build-up of alternate channels including increase of DSF from around 30 to more than 110 2012 Objectives Exploit domestic opportunities · Continue to enhance domestic distribution network through selecting, and implementing the most optimal channel mix - Push for regional leadership in private banking through increased capacity and market penetration - – Focus on building SME asset book by leveraging improved infrastructure and increased credit appetite - Further grow our market share in Abu Dhabi Exploit international opportunities - Undertake organic expansion initiatives in current international locations, e.g. setup SME business in KSA - Continue small scale international expansion, e.g. representative offices in target markets - Identify and pursue meaningful international acquisitions in select target markets, e.g. KSA, Turkey, etc. Emirates NBD 35 35

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