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Investor Presentaiton

Strategic Imperatives are Evolving Gradual Shift in Focus from Strengthening the Bank to Growth Acceleration 2008 2009 2010 2011 2012 Crisis Management 1. Optimise Balance Sheet Capitalisation • Liquidity 2. Enhance Profitability . Operating efficiency Margins and fee generation 3. Enhance Risk Management Strengthening the Bank 4. Selective Investment in Growth Areas Growth Acceleration 1. Optimise Balance Sheet and Capital Allocation Funding efficiency Acquiring high yielding assets 2. Drive Profitability • • Key account planning Increase cross-sell and bolster fee revenues Effectively manage cost base 3. Enhance Support Functions and Strengthen Platforms 4. Measured Investments in Growth Areas Emirates NBD 31
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