Q2-16 Financial Results Highlights

Financial & Operating Performance Appendix Strategy Emirates NBD Profile Operating Environment 4 3 Strategic priorities for 2016 1 Pillars of our strategy Deliver an excellent customer experience • • Drive core business Run an efficient organization • Key focus areas • Extend servicing of products through online, mobile, social channels Emirates NBD 26 Reinforce ENBD's position as a digital innovator in the region via best-in-class online and mobile banking services Keep investing in new digital channels, products, and capabilities • Drive asset growth and cross-sell in Retail and Islamic . Diversify wholesale banking loans portfolio Grow fee and commission income via improved Transaction Banking, Treasury and online offerings Optimize the IT landscape to increase agility and enable digital banking Streamline key processes throughout the organiation • Enhance cross-functional collaboration throughout Group by aligning KPIs Enhance risk governance and compliance controls Align risk appetite to overall corporate strategy and capital utilisation • Drive geographic expansion Sustain our growth path and deepen footprint in Egypt and other offshore locations . Catalyze growth in current international markets by focusing on cross border trade and other opportunities • Continue to evaluate potential organic and inorganic opportunities in selected markets 5 Build a high performing organization • Continue to drive nationalisation efforts with a focus on developing local leadership talent • Improve performance management with greater recognition for high performers • Continue successful Employee Engagement level programmes

View entire presentation