Tanfeeth Overview

Strategic Imperatives 3 Undertake Measured Investments in Growth Areas 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. Evidence of Success in Q3 2012 YTD • Optimised distribution set-up - Further optimised branch set-up (elimination of duplication) - Continued to enhance online banking offering - Launched enhanced mobile banking for EIB, next version for Emirates NBD due in Q4 Enhanced the international footprint with launch of China Representative Office in Beijing in May Emirates NBD 35 55

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