UAE Economic and FY 2012 Financial Results Update
Loan and Deposit Trends
Highlights
Trend in Gross Loans by Type (AED billion)
Emirates NBD
Signs of modest pickup in new
underwriting with 9% growth in
gross loans during 2012
+9%
235
221
223
228
212
216
218
(+3%
205
Balance sheet optimisation
initiatives successful in improving
deposit mix:
162
173
166
168
172
176
179
163
27
22
22
26
21
22
21
21
22
―
Growth of 11% in deposits
21
20
28
28
30
30
33
20
-2-
-1
-1
1
0
-0
CASA growth of 15% or AED 12
billion during 2012
CASA % age of total deposits 43%
at end-2012 compared to 41%
and 31% at end-2011 and end-
2010 respectively
Trend in Deposits by Type (AED billion)
Q4 08 Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Q4 12
Corporate
Consumer
Islamic
Treasury
+11%
209
208
214
214
200
162
83
181
193
1
2
-1-
1
1
0%
137
113
122
119
123
121
103
122
79
85
88
57
56
61
+15%
88
90
90
91
Q4 08 Q4 09 Q4 10
Q4 11
Q1 12
Q2 12
Q3 12 Q4 12
Other
Time
CASA
25
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