Tanfeeth Overview
Non Interest Income
■
Highlights
Q3 2012 YTD Non interest income increased by 21% from Q3 2011 YTD
due to
Higher core fee income by 5%
-
Higher investment securities income by 172%
Q3 2012 YTD Core fee income improved by 5% from Q3 2011 YTD due to
improvement in trade finance income (+10%)
-
-
-
improvement in fee income (+18%)
Offset by decrease in brokerage and asset management fees (-31%)
Offset by slight decrease in forex, rates, derivatives and other income (-
1%)
Offset by increase in fee and commission expense (+40%)
Core Gross Fee Income Trends (AED million)
41
2,001
Composition of Non Interest Income (AED million)
Q3 12
AED million
YTD
Q3 11
YTD
Change
(%)
Q3 12
Q2 12
Change
(%)
Core gross fee income
2,131
2,001
+7%
645
747
-14%
Fees & commission
expense
(99)
(71)
+40%
(42)
(20)
+112%
Core fee income
2,032
1,930
+5%
603
728
-17%
Property income/(loss)
32
(2)
n/a
12
5
+147%
Investment securities
496
182
+172%
175
127
+38%
Total Non Interest
Income
2,560 2,110
+21%
790
860
-8%
Core Gross Fee Income Trends (AED million)
132
(35)
+7%
(7)
2,131
752
702
740
747
647
645
602
336
189
237
298
255
163
-14%
198
35
30
31
17
35
43
29
226
236
279
296
261
303
308
144
138
144
139
151
158
157
Q1 11
Q2 11
Q3 11
Q4 11
Q1 12
Q2 12
Q3 12
Q3 11 YTD Trade finance Fee Income
Brokerage
& AM fees
Forex, Rates, Q3 12 YTD
Derivatives &
Emirates NBD
Other
Forex, Rates, Derivatives & Other
Brokerage & AM fees
Fee Income
Trade finance
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