Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment 3 Strategic priorities for 2015 Priorities Deliver an excellent customer experience Focus Areas • • • 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 2 Build a high performing organization • 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 Diversify loans portfolio to include broader representation of sectors and markets . Drive asset growth through the fast growing Retail and Islamic franchises • Drive core business • • 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 4 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 in 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 27

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