Investor Presentaiton

Emirates NBD Profile Operating Environment 3 2 Strategic priorities for 2017 Pillars of our strategy Key focus areas Emirates NBD 27 Deliver an excellent customer experience (with digital being the focus) Drive core business • Run an efficient organization • Drive geographic expansion . • • Continue to deliver superior customer experience via investing into new digital channels, products, and capabilities • Reinforce ENBD's position as a digital innovator in the region via best-in-class online and mobile banking services Launching digital platform in the corporate and transaction banking to provide seamless service to corporate clients • • Continue cross-sell efforts in the Retail business and focus on gaining market share in all products and segments • Rebalance the Islamic franchise with a focus on delivering profitable growth • . • • Continue diversification of wholesale banking loans portfolio to include broader representation of sectors and segments Increase fee and commission income via improved Transaction Banking, Treasury and online offerings Transform the IT platform to increase agility and enable digital banking through an organization wide plan Streamline and automate key processes while working on the end to end digitization program Align risk appetite and portfolio management framework to optimize risk return matrix and focus on lowering cost of risk Enhance cross-functional collaboration through alignment of KPIs and optimization of governance structures Identify areas of further operational efficiencies (cost and process) Sustain our growth path and deepen footprint in Egypt and develop other offshore locations Drive new markets and catalyze growth in current international markets by focusing on cross border trade and other opportunities Continue to evaluate potential organic and inorganic opportunities in selected markets Appendix Strategy Financial & Operating Performance 5 Build a high performing organization • • Continue to drive nationalization efforts with a focus on developing local leadership talent Improve performance management through people management capabilities and reward systems • Keep the momentum on employee engagement through leadership commitment and impactful action plans

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