Tanfeeth Overview
Loan and Deposit Trends
Highlights
Trend in Gross Loans by Type (AED billion)
☐
Modest pickup in new underwriting in Q3 2012 with a
q-o-q growth of 2% and a y-t-d growth of 6% in gross
loans (excl. Dubai Bank Impact)
+6%
228
221
223
+2%
216
218
212
☐ 8.
☐
Balance sheet optimisation initiatives successful in
improving deposit mix:
8
173
205
8
9
162
172
176
+6%
YTD growth of 11% in deposits
163
166
168
CASA organic growth of AED 24 billion from end-
2010 (excl. Dubai Bank Impact)
CASA % age of total deposits 40% at Q3 2012 vs.
31% at end-2010
27
26
26
21
22
22
22
21
21
21
20
20
19
19
21
22
2
1
0
0
Q4 08
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Dubai Bank (DB)
Corporate
Consumer
Islamic, Excl DB
Treasury
Emirates NBD
Trend in Deposit by Type (AED billion)
+11%
200
209
208
181
193
162
2
៩ស
1
3
111,
2-11
214
+1-8--
+13%
137
116
114
119
103
122
106
+14%
57
56
61
75
80
83
85
Q4 08
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Dubai Bank
Other
Time
CASA
24View entire presentation