Investor Presentaiton
Appendix
Emirates NBD
Divisional Performance
Wealth Management
Revenues increased 11% y-o-y
Net interest income grew 17% led by liabilities. Fee
income grew 1% supported by wealth, FX and cards and
accounts for 35% of total RBWM revenue
Loan growth was flat as growth in credit cards and
mortgages was offset by a decline in micro-SME balances
RBWM continued to lead the market in digital and
innovation with the launch of Liv., the UAE's first digital
bank targeted at millennials; FaceBanking video banking
service; and EVA, the region's first voice-based virtual
chatbot
Balance Sheet Trends
AED Bn
Revenue Trends
AED Mn
-3%
0%
+11%
141.6
137.1
6,833
6,171
2,419
2,388
38.7
38.8
4,414
3,783
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Retail Banking &
Emirates Islamic
The bank continues to optimize its distribution network
with 583 ATMs and 95 branches as at 31-Dec-17
2016
Loans
2017
2016
2017
Deposits
NFI
NII
El achieved a record net profit of AED 702 million in Balance Sheet Trends
2017, a six-fold improvement from 2016
Revenue Trends
AED Bn
AED Mn
+2%
Financing receivables declined 7% to AED 34 billion in
2017 due to a slowdown in new business as El
tightened underwriting standards
-4%
-7%
2,495
2,392
41.1
41.8
36.3
736
33.8
765
Customer accounts grew 2% to AED 42 billion as El
focused on improving liability mix and cost of funding.
CASA now represents 81% of El's customer deposits
As at 31-Dec-17, El had 64 branches and an ATM &
CDM network of 203
1,759
1,627
2016
2017
2016
2017
Financing receivables
Customer accounts
NFI
NII
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