Investor Presentaiton

1 2013 Strategic Priorities Deliver an excellent customer experience Emirates NBD Continuous Group wide Current Service Excellence Program, e.g. end to end process optimization to improve turn-around times, etc. • Further improvement of convenience and ease of access, e.g. through enhancement of mobile banking offering • Active management of social media to drive customer service 2 3 Build a high performing organization Drive core business • Continue to drive Nationalization efforts • Run Group wide Employee Engagement Program . Roll-out of Wholesale Banking strategy, e.g. enhanced key account planning process involving Corporate, Retail Banking, Treasury and Wealth Management • Further build-up of CASA book through strong Retail franchise • Continuous focus to grow underpenetrated areas like SME business and Wealth Management Leverage new partnerships, e.g. collaboration with Porsche Financial Services to grow auto loan business in the region 4 Run an efficient organization • Ongoing organizational review and streamlining of organizational set-up • Completion of IT lean transformation • Continuous performance transformation of back office functions in Tanfeeth 5 Drive geographic expansion • Ongoing organic growth in KSA, UK and Singapore with additional focus of opening Rep Offices in selected markets • Integration of BNP Paribas operations in Egypt 32

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