Emirates NBD Financial Performance and Market Update
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile Operating Environment
Emirates NBD
21
Loan and Deposit Trends
Highlights
Gross loans grew 5% in H1-17 with
good growth in Corporate lending
Corporate lending grew 6% in H1-17
due to growth in real estate, trade and
Fl sectors
Consumer lending grew 1% in H1-17
across a range of products, particularly
mortgages
Islamic financing declined 1% in H1-17
due to a slowdown in new business as
Emirates Islamic tightened underwriting
standards
Deposits grew 3% since the start of the
year and 7% y-o-y
CASA deposits grew 7% since the start
of the year and represent 56% of total
deposits
Trend in Gross Loans by Type (AED Bn)
+6%
+5%
329
320
310
314
315
303
294
279
285
271
209
215
221
225
226
227
233
242
202
207
27
28
29
30
30
31
33
35
35
35
40
43
46
48
51
54
54
53
52
52
-1
-1-
-0.
0.
0.
0
0.
Q1 15
Q2 15
Q3 15
Q4 15 Q1 16
Q2 16
Q3 16
Q4 16
Q1 17
Q2 17
Corporate
Consumer
Islamic*
Treasury/Other
Trend in Deposits by Type (AED Bn)
+7%
312
311
319
320
+3%
260
5
99
Suཎྜ
287
291
298
274
269
6
110
99
121
113
122
133
135
133
131
157
159
164
160
172
169
172
169
179
181
Q1 15
Q2 15
Q3 15
Q4 15
Q1 16
Q2 16
Q3 16
Q4 16
Q1 17
Q2 17
Other
Time
CASAView entire presentation