Strategic Pillars
What are the five key strategic pillars Emirates NBD committed to in 2024?
Deliver Excellent CX, Drive Core Business, Focus on Future Potential, Drive International Diversification, Build Market-Leading Infrastructure
Which digital initiatives were rolled out in 2024?
ENBD X & EI+, Generative AI, fractional bonds/sukuk, STP, enhanced payments
What sustainability goals has ENBD committed to?
USD 30 bn sustainable finance, 30% emission cut, 25% female leaders
Which segments had the strongest PBT growth?
Retail (+25%) and Corporate (+38%)
What key risks did ENBD face, and how mitigated?
Credit, geopolitics, cyber - mitigated via capital, liquidity, governance
Why does ENBD emphasize “Delivering Excellent Customer Experience” first?
It drives loyalty, higher NPS, and long-term profitability
What is the biggest implication of Generative AI?
Predicts client needs, speeds onboarding, improves AML
Why is 25% female leadership more than HR goal?
Improves decision-making and ESG scores
What does 25% PBT growth in Retail highlight?
Strong customer trust and digital adoption
Why is cyber risk key?
Affects reputation, compliance, and trust
What’s the strategic value of balanced pillars?
Helps manage risk while enabling long-term growth
What does STP enable in ENBD’s operations?
Faster settlement of transactions
What’s the strategic value of USD 30 bn sustainable finance?
Aligns ENBD with global ESG investors and funding
What does 38% PBT growth in Corporate imply?
ENBD as key partner for regional transformation projects
Why are CASA deposits the “anchor” of ENBD’s strategy?
Lower funding costs, stabilize margins, and provide liquidity