Investor Presentaiton
Credit Quality
Group
Sovereign
28%
Islamic
13%
Loan Portfolio by Type
100% = AED 218.9b
Retail
10%
Corporate
49%
Impaired Loans Composition (AED billion)
Loan Portfolio by Type
100% = AED 218.9b
Others
Transport &
Contracting
3%
3% Manuf.
comms
3%
2%
Sovereign
28%
Real estate
15%
FI &
Investment
Co's
15%
Trade
4% Personal -
Corporate
5%
Services
8%
Personal -
Retail
14%
Impairment Allowance Composition (AED billion)
■Core Corporate
■ Core Corporate
13.9
30.8
(2)
(2)
12.9
0.2
29.7
IIRLS
IIRLS
0.4
0.2
1.5
0.3
2.9
■ Retail
2.9
■Retail
1.4
3.8
3.6
3.7
Islamic
Islamic
20.4
8.3
3.6
Investment Securities
9.4
Investment Securities
8:3
1.7
3.2
14.1
5.9
1.6
14.1
8:3
3.5
3.3
11.5
5.8
2.9
0.9
6.7
1.0
6.0
3.3
0.8
0.7
8.8
9.6
0.2
1.3
2.8
1.3 05
1.3 0.2
2.7
1.8
3.6
0.8
1.7
Q4 08
Q4 09
Q4 10
Q4 11
Q1 12
Q4 08
Q4 09
Q4 10
Q4 11
Q1 12
1)
Gross Loans and receivables before provisions and deferred income
2)
IIRL = Interest Impaired Renegotiated Loans
Emirates NBD
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