Investor Presentation August/September 2009

Optimise Balance Sheet Initiatives (cont'd) 4 Launch Private Banking 5 Affluent / SMB Re-launch ■ Build up team and proposition Add relationship managers to drive liability sales 6 Focused Network Expansion Emirates NBD - Upgrade existing, qualified bank customers - Expand model into neighboring countries ▪ Revised value proposition & operating model Liability focus Service promise for affluent Focus on emerging affluent ■ New low cost channel branches Aligned to key micro-markets Focus outside Dubai ■ New ATMs & CDMs; optimise use of ATM/CDM network 37 37

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