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Investor Presentaiton

Tanfeeth Overview (Cont'd) تنفيذ tanfeeth Focus for 2012 Financial Metrics ▪ Further improve efficiency and customer satisfaction for Emirates NBD ■ Migrating and transforming the next phase of Emirates NBD processes: 。 Operations Processing Centre (OPC) 。 HR Services o Finance & Accounting services 。 Emirates Islamic Bank services 。 Network International Card Processing 。 Collections ▪ Execute go-to-market strategy to onboard external clients ■ Tanfeeth aims to be a profitable entity by end 2013, beginning of 2014 。 Thereon a growth rate of 15% in income targeted year on year o This is over and above the cost efficiencies already provided to the Emirates NBD Tanfeeth aims to provide a cost efficiency to Emirates NBD @ 8%, 15% and 20% for 2012, 2013 and 2014 of staff cost base taken over ■ Total investments in excess of AED 100 million targeted over a 2 year period Emirates NBD 37 37
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