Tanfeeth Overview
Capital Adequacy
Highlights
Capital Ratios
-
Basel II (AED billion)
CAR improved 0.4% q-o-q to 19.9% and T1 improved 0.4% q-o-q to 13.2%
resulting from an increase in Tier 1 capital by AED 0.6 billion in Q3 2012 due
to net profit generation for the quarter and 1% reduction in RWAS
18.7%
19.8%
20.5%
19.1%
19.5%
19.9%
11.9%
12.6%
13.0%
12.5%
12.8%
13.2%
Tier 2 capital decreased by AED 1.8 billion during 9M 2012 as the
amortisation of the MOF T2 deposits commenced.
41.8
43.6
45.6
43.3
43.9
44.5
Risk Weighted Assets decreased by 1% q-o-q to AED 224.2 billion in Q3
2012
15.2
15.9
16.7
14.9
14.9
14.9
Risk Weighted Assets – Basel II (AED billion)
26.7
27.7
28.9
28.4
29.0
29.6
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
T2
T1
T1 %
CAR %
Note: Core Tier 1 Ratio as at Q2 2012 is 11.4%
Capital Movement Schedule - Basel II (AED billion)
223.9
220.5
222.1
226.6
225.7
224.2
31 Dec 2011 to 30 Sep 2012
Tier 1
Tier 2
Total
13.1
13.8
14.0
14.0
14.0
14.0
3.2
2.3
1.5
1.7
1.7
2.6
Capital as at 31 Dec 2011
28.9
16.7
45.6
Net profits generated
1.9
1.9
207.6
204.4
206.5
210.9
210.0
207.6
FY 2011 dividend payable
(1.1)
(1.1)
Interest on T1 securities
(0.2)
(0.2)
Change in general provisions
0.8
0.8
Amortisation of MOF T2
(2.5)
(2.5)
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Other
0.1
(0.1)
0.0
Credit Risk
■Market Risk
Operational Risk
Capital as at 30 Sep 2012
29.6
14.9
44.5
Emirates NBD
22
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