Emirates NBD 2014 Achievements and Strategic Update

Strategic priorities for 2015 Priorities Focus Areas 1 • Deliver an • excellent customer experience 2 Build a high performing organization 3 Emirates NBD Continue to deliver superior customer experience through better service and product offerings Drive front line cultural/ behavior change • Reinforce ENBD's position as a digital innovator in the region via best-in-class online and mobile banking services • Enhance customer relationships in Wholesale Banking through new tools • Increase nationalization efforts with a focus on developing local leadership talent Improved performance and reward management • Continue raising Employee Engagement level to meet global standards Drive core business • Drive asset growth through the fast growing Retail and Islamic franchises • • Diversify loans portfolio to include broader representation of sectors and markets Increase penetration in key Wholesale Bank growth sectors, e.g., Trade Finance, Manufacturing Increase fee and commission income, e.g., via increased Trade Finance penetration and improved Treasury product offering Run an efficient organization • Drive digital channel adoption to lower transaction costs • Develop robust risk and compliance culture to meet enhanced regulatory standards • Streamline processes and procedures in key business units 5 Drive geographic expansion • • • Complete IT and systems integration in Egypt by Q2 2015 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 32 32

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