Emirates NBD Financial Performance Overview
Loans and deposits trends
Gross Loans by Type (AED Bn)
+1%
472
475
475
459
463
DenizBank
81
79
79
65
65
-
EI*
46
46
47
47
50
-
49
52
54
Retail
56
59
-
Highlights
Income
Expenses
Risk
Capital
Liquidity
Macro
Divisional
Key Highlights
• Gross loans grew 1% (AED 4bn) in Q1-22
Retail lending up 4% (AED 3bn) with strong demand across all products
El Financing and Receivables up 6% (AED 3bn)
DenizBank's gross loans up 11%
Deposit mix further improved in 2022 with AED 18bn increase in CASA balance
-
CASA represents 64% of total Group deposits
DenizBank's deposits up 11%
296
298
296
291
289
-
Corporate
Q1 21
Q2 21
Q3 21
Q4 21
Q1 22
Deposits by Type (AED Bn)
+3%
459
458
467
469
456
DenizBank
80
79
78
70
69
10
8
9
8
10
Other
117
139
130
134
124
Time
Gross Loans by Sector (%)
Net Loans by Geography (%)
Other 3% Agric. 1%
Manuf. 5%
Trans &
Services 9%
Trade 7%
Construction &
Hotels 6%
International 19%
Sovereign 30%
GCC 5%
CASA
232
241
246
254
272
FI & Mgmt Cos
7%
Personal 22%
Real estate 10%
Q1 21
Q2 21
Q3 21
Q4 21
Q1 22
* Gross Islamic Financing Net of Deferred Income
UAE 76%
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