Investor Presentation August/September 2009

Drive Profitability Initiatives (cont'd) 3 Maximise Product Yields and Margins Product re-pricing across corporate and retail portfolios. Shift product mix; e.g. focus on affluent and private banking customers ■ Proactive balance sheet management to optimise funding costs ■ Grow asset management; e.g. grow principal guaranteed & regional products ■ Expand range of insurance products, e.g. bancassurance 4 Increase Fee Based Income ■ ■ Leverage prime-banker status with key corporate customers to gain larger wallet share of fee income Augment existing corporate product base by tailored products to optimise value; e.g. on-line trade, Escrow Account, enhanced trade finance & cash management products Emirates NBD 39

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