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Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment 4 3 Strategic priorities for 2016 1 Pillars of our strategy Deliver an excellent customer experience . Key focus areas • Extend servicing of products through online, mobile, social channels • Emirates NBD 28 Reinforce ENBD's position as a digital innovator in the region via best-in-class online and mobile banking services Keep investing in new digital channels, products, and capabilities Drive core business . Drive asset growth and cross-sell in Retail and Islamic • Diversify wholesale banking loans portfolio • Grow fee and commission income via improved Transaction Banking, Treasury and online offerings Run an efficient organization • Optimize the IT landscape to increase agility and enable digital banking • Streamline key processes throughout the organiation Enhance cross-functional collaboration throughout Group by aligning KPIs Enhance risk governance and compliance controls • Align risk appetite to overall corporate strategy and capital utilisation • Drive geographic expansion Sustain our growth path and deepen footprint in Egypt and other offshore locations • 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 5 Build a high performing organization • Continue to drive nationalisation efforts with a focus on developing local leadership talent • Improve performance management with greater recognition for high performers • Continue successful Employee Engagement level programmes

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