Investor Presentaiton

1 2014 Strategic Priorities Emirates NBD 2 3 Deliver an excellent customer experience Build a high performing organization Drive core business • Continue on Group wide Service Excellence Program • Continue to lead the way on multi-channel banking in the UAE • Drive customer service through social media, and expand to other platforms • Continue to drive Nationalization efforts (training/ recruiting) • Raise employee engagement to be at par with best in class global banks Improve performance management and accountability across Group • Continue on transformation of Wholesale Banking franchise ● Fortify Retail franchise and turbo-charge Islamic franchise • Focus on Tail management 4 Run an efficient organization • Ongoing organizational review and streamlining of organizational set-up • Consolidate and rationalize operations & platforms Drive end-to-end process transformation across the Group 5 Drive geographic expansion Integrate Egypt business into Emirates NBD Group (Target completion: Q2 2015) • Selectively pursue organic growth in current international markets 33 33

View entire presentation