Investor Presentaiton

5 core building blocks Emirates NBD 1 • Further expand the customer service excellence program rolled-out across all branches in 2012 Deliver an excellent · Further enhance our multi channel setup and provide enhanced convenience and ease of access customer experience 2 • Increase employee engagement across all levels through a series of employee initiatives Build a high . Attract, grow and retain National talent through a dedicated development program performing organization 3 • . Drive core business • Complete and leverage the Wholesale Banking "Mission Powerhouse" transformation program to drive growth Drive cross-sell and co-operation across Wholesale Banking, Wealth Management and Global Markets and Treasury Continue to grow prioritized growth areas on product side (like Retail assets and Wealth Management) and geographies (e.g. Abu Dhabi) 4 5 Run an efficient organization • Full implementation of Group wide Business Process Management (BPM) program aiming at process streamlining and automation to realise further efficiencies end to end from branches to back office • Drive further efficiencies in back office functions through Tanfeeth • Complete IT lean transformation program • Continue to optimize the organization structure and capture further non-FTE cost opportunities . Undertake organic expansion initiatives in current international locations, e.g. setup SME business in KSA • Drive geographic expansion Continue small scale international expansion, e.g. representative offices in target markets • Continue to identify and pursue meaningful international acquisitions in select target markets

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