Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Highlights of strategic achievements in 2015
2015 Strategic Priorities
1
Deliver an
excellent customer
experience
3
4
5
Build a high
performing
organization
Drive core
business
Run an efficient
organization
• Drive front line cultural/ behavior change
•
Drive geographic
expansion
•
Prioritize customer centric objectives and
align metrics and plans
Reinforce ENBD's position as a digital
innovator and leader in multi-channel
banking in the region
Drive Nationalization efforts
Continue raising Employee Engagement
level to be at par with best in class global
banks
Improve performance management and
accountability across Group
Build a diversification strategy for Retail &
Wholesale Banking to penetrate new markets
& segments
Expand Islamic finance offering to capture
growth
Increase fee and commission income
Diversify income streams, improve capital
efficiency and liquidity
Develop robust risk and compliance culture
Streamline organizational set-up, operations
& processes
Integrate Egypt business into Emirates NBD
Group
Selectively pursue organic and inorganic
growth in current international markets
Key Achievements
•
•
•
•
.
•
First UAE bank to be named 'Bank of the Year - UAE 2015' and 'Bank
of the Year - Middle East 2015' by The Banker
Enhanced customer experience and improved complaint management
Launched #1 rated mobile banking app with over 335K active users
Increased digital offerings like DirectRemit, Shake n' Save, Remote
Deposit Capture
Nationalization strategy with a 5-year horizon launched with focus on
growing future National leaders
Increased employee engagement in 2015, with current levels higher
than average for GCC commercial banks
Balanced scorecard practice implemented at segment levels in large
businesses
Transformation on track with key investments in developing our
non-lending offering and services
Retail loans growth of 12%, asset growth of 12%, with consistent efforts
in launching best-in-class offerings
Islamic Financing Receivables growth of 22%
Capital adequacy ratio at 20.7% and Tier 1 capital ratio at 18.0%
Advances to deposits ratio improved by 1% to 94.2% amid tighter
market liquidity conditions
Increased fee to income ratio from 29.6% to 30.9%
Completed IT and systems integration in Egypt in 2015
Emirates NBD
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