2013 Awards and Strategic Priorities
Credit Quality
Composition of Gross Loan Portfolio
Emirates NBD
Corporate and Retail Lending Portfolio
Corporate & Sovereign Loans
Retail Loans (AED 21 bn)
By Type (AED 240 bn)
Retail
8%
By Econ Sector (AED 240 bn)
Trans. &
com. Cont.
2% 4%
(AED 183 bn)
Others
.3% Manuf.
3%
Trade
4% Per. -
Manuf.
3%
Others
3%
Trans. &
Cont.
Trade
5%
com
4%
2
Sover
eign
33%
Sov.
33%
Corp.
Per. -
4%
Corp.
4%
Serv.
8%
Serv.
10%
Corpo
Per. -
Islami
rate
Ret.
C
44%
RE
11%
14%
Fin Inst
15%
14%
Overdr
Others
4%
afts
5%
Car
Loans
Person
Sov.
al
43%
12%
Loans
Credit
43%
Cards
16%
Fin Inst
15%
RE
11%
Time
Loans
5%
Impaired Loans and Impairment Allowances (AED billion)
Impaired Loans
Impairment Allowances
30.8
32.0
32.9
33.6
33.8
16.6
17.3
15.6
13.9
14.8
3.1
13.8
13.9
14.2
14.4
14.3
1.7
2.1
2.2
3.2
6.7
6.8
7.2
7.3
7.9
9.3
9.6
10.1
10.6
9.9
3.8.0.4
3.8
.3.9
3.8
3.8
3.7
3.7
3.8
3.8
3.8
4.5
4.8
4.9
4.7
-0.4
0.4
-0.4
0.4
0.2-1.5
1.9
2.3
-0.2-
0.3
0.2-
0.2
Q1 12
Q2 12
Q3 12
Q4 12
Q1 13
Q1 12
Q2 12
Q3 12
Q4 12
Q1 13
DW/DH*
Core Corporate
Investment Securities
*DW/DH = includes D1 (exposure AED 9.38 billion; provision AED 552 million) and D2B (exposure AED 4.62 billion; provision AED 2.51 billion)
Retail
Islamic
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