UAE Economic and FY 2012 Financial Results Update
Additional Asset Quality Disclosures
Credit Metrics
Emirates NBD
AED m
Credit-Specific
Credit - PIP
Other - PIP
FY 09 Q1 10
Q2 10
Q3 10
Q4 10
FY 10
Q1 11
Q2 11
Q3 11
Q4 11
FY 11
Q1 12
Q2 12
Q3 12
Q4 12
FY 12
P&L Impairment Allowances:
1,684
1,287
442
481
1,203
469
2,595
706
(57)
1,668
871
3,187
844
1,239
78
468
(338)
127
335
628
981
(124)
76
1,562
234
(336)
960
11
991
4,035
(61)
(152)
-
200
300
(500)
-
-
-
-
-
Investment Securities
348
35
44
76
105
260
35
57
27
102
221
22
50
38
8
119
Total Impairment Allowances
3,319
555
1,193
1,241
201
3,190 1,369
981
1,571
1,049
4,970
1,101
954
1,009
938
4,002
Balance Sheet Impairment Allowances:
Credit - Specific
3,417
3,756
4,205
5,404
5,864
5,864
6,554
6,481
8,128
8,906
8,906
9,698 10,878
11,706
12,750
12,750
Credit - PIP
1,858
1,936
2,403
2,066
2,193
2,193 2,821
3,802
3,678
3,752
3,752
3,986
3,650
3,672
3,600
3,600
Other - PIP
-
200
500
investment Securities
674
411
326
268
265
265
270
267
263
240
Total Impairment Allowances
5,948
6,102
7,134
8,238
8,322
8,322
9,644
10,550
12,069
12,898
240
12,898
246
13,931
245
14,773
254
15,632
246
246
16,596
16,596
Impaired Loans:
Credit
Investment Securities
Total Impaired Loans
5,041
5,717
789
5,831
526
6,243
6,087 16,670
435
363
6,522 17,034
20,063
361
20,425
20,063
361
20,425
20,913
371
21,283
18,655
369
19,024
26,581
360
26,941
29,373
341
29,714
29,373
341
29,714
30,390
369
30,759
31,621
364
31,985
32,484
420
32,904
33,199
409
33,609
33,199
409
33,609
Loans & Receivables, gross of impairment allowances:
Credit
218,968 216,966 209,882
Investment Securities
Total Loans & Receivables
215,536
567
208,068
215,536 217,556 222,501 227,705 234,341 234,341
576
502
502
505
426
428
417
417
208,644 216,038 216,038 218,061 222,927 228,133 234,757 234,757
208,105 203,886 203,886 203,831 203,400
1,605 1,093 779
779
660
660
569
220,573 218,058 210,662 208,883 204,546 204,546 204,400 203,968View entire presentation