Emirates NBD Investor Presentation

Strategic Imperatives are Evolving Gradual Shift in Focus from Strengthening the Bank to Growth Acceleration 2008 Crisis Management 2009 2010 Strengthening the Bank 2011 2012 Growth Acceleration 1. Optimise Balance Sheet Capitalisation Liquidity 2. Enhance Profitability • Operating efficiency • Margins and fee generation 3. Enhance Risk Management 4. Selective Investment in Growth Areas 1. Optimise Balance Sheet and Capital Allocation ⚫ Funding efficiency Acquiring high yielding assets 2. Drive Profitability Key account planning Increase cross-sell and bolster fee revenues • Effectively manage cost base 3. Enhance Support Functions and Strengthen Platforms 4. Measured Investments in Growth Areas Emirates NBD 31 34

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