Investor Presentaiton

Tanfeeth Overview (cont) Emirates NBD تنفيذ Focus for 2013 tanfeeth ⚫ Further improve efficiency and customer satisfaction for Emirates NBD • Introduce additional value-added initiatives for Emirates NBD as part of our commitment to being a partner, not a vendor. One example is to introduce a virtual branch initiative in Emirates NBD's Call Center Operations to increase customer enquiry resolution rates and branch traffic volumes • Execute go-to-market strategy to onboard external clients and capitalize on market growth opportunities • Increase employee headcount to 2,300 Financial Metrics Tanfeeth aims to be a profitable entity by end 2013, beginning of 2014 - Thereon a growth rate of 15% in income targeted year on year This is over and above the cost efficiencies already provided to the Emirates NBD • Tanfeeth aims to provide a cost efficiency to Emirates NBD @ 8%, 15% and 20% for 2012, 2013 and 2014 of staff cost base taken over 36

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