Investor Presentation August/September 2009
Strategic Imperatives
Optimise
Balance Sheet
Drive Profitability
■ Prudent lending growth
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Support growth of important Group relationships in line with targeted asset/deposit ratios
■ Focus on funding
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Renewed focus on key market segments
Leverage distribution network
- Continue to maintain and develop wholesale sources of medium to long term funding
Continued government action / support
Improve product/customer profitability
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Re-price and maximize product yields
- Increase fee based income
Improve overall cost position
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- Drive performance improvement program
- Increase process efficiency
- Migrate customers to lower cost channels
Enhance Risk
Management
Implementation of Basel II IRB approach
■ Advancement of Liquidity Risk Control and Management
Alignment and integration of Economic Capital and Stress testing Framework
Strengthen credit management and improve collection processes
Emirates NBD
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