Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Loan and Deposit Trends
Emirates NBD
Highlights
Gross loans grew 1% since end 2014
mainly due to growth in Islamic
financing
• Islamic financing grew 6% since
end 2014
• Consumer lending grew 1% since
end 2014, mainly due to personal
loans and auto loans
•
Deposits increased 1% q-o-q and 4%
y-o-y in Q1-15
Strategic
push to grow CASA
continued in Q1 2015:
―
―
CASA deposits up 4% q-o-q and
11% y-o-y
CASA deposits as a percentage of
total deposits have increased to
60% in Q1-15, up from 43% at
end 2012 and 53% at end 2013
Trend in Gross Loans by Type (AED Bn)
+1%
272
259
262
265
267
271
235
221
216
205
178
195
196
197
200
201
202
171
162
166
22
28
29
29
33
27
27
25
22
20
20
20
28
33
36
36
38
39
38
40
3.
Q4 09 Q4 10
Q4 11
Q4 12
Q4 13 Q1 14
Q2 14
Q3 14
Q4 14
Q1 15
Corporate
Consumer
Islamic*
Treasury/Other
Trend in Deposits by Type (AED Bn)
མིི་
+1%
252
253
258
260
+4%
240
250
214
5- 5
200
193
181
107
105
97
103
99
110
122
138
113
122
ထာ
* Gross Islamic Financing Net of Deferred Income
127
141
144
148
151
157
79
91
56
61
Q4 09
Q4 10
Q4 11
Q4 12
Q4 13
Q1 14
Q2 14
Q3 14
Q4 14
Q1 15
Other
Time
CASA
20
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