Investor Presentaiton
CBUAE Classification: Public
3rd Quarter 2022 [UNITED ARAB EMIRATES MONETARY, BANKING & FINANCIAL MARKETS DEVELOPMENTS]
Table- 3: Banking Indicators
(End of Month, Figures in billions of Dirhams unless otherwise indicated)
2021
2022
Sep*
Quarterly
Change
(%)
Dec
Quarterly
Change
(%)
Mar
Quarterly
Change
(%)
Jun
Quarterly
Change
(%)
Sep*
Quarterly
Change
%
Annual
Change
(%)
Total Assets
3,247.1
1.2%
3,321.5
2.3% 3,336.4
0.4%
3,449.2
3.4%
3,583.0
3.9%
10.3%
Banks' Investments in Central Bank CDs & M
Bills
163.9
8.8%
164.7
0.5%
163.4
-0.8%
150.9
-7.6%
145.7
-3.4%
-11.1%
Of which: Shariah Compliant Certificates of
Deposits
55.1
-6.5%
49.1
-10.9%
44.8
-8.8%
39.0
-12.9%
25.3
-35.1%
-54.1%
Gross Credit (1)
1,776.5
0.4%
1,794.0
1.0% 1,831.9
2.1%
1,866.1
1.9%
1,873.4
0.4%
5.5%
Personal Loans to Residents
Total Deposits (2)
Capital & Reserves (3)
Capital Adequacy Ratio (4)
343.8
2.2%
347.6
1.1%
356.8
2.6%
361.2
1.2%
368.6
2.0%
7.2%
1,942.3
1.8%
1,996.5
2.8% 2,006.2
0.5%
2,091.9
4.3%
2,186.9
4.5%
12.6%
393.7
2.4%
402.5
2.2%
395.5
-1.7%
399.3
1.0%
413.3
3.5%
5.0%
17.7%
1.1%
17.2%
-2.8%
17.1%
-0.6%
16.9%
-1.2%
17.5%
3.6%
-1.1%
Tier-1 Ratio
16.5%
1.2%
16.1%
-2.4% 16.0%
-0.6%
15.8%
-1.3%
16.3%
3.2%
-1.2%
Common Equity Tier 1 (CET 1) Capital Ratio
14.7%
1.4%
14.2%
-3.4% 14.2%
0.0%
14.0%
-1.4%
14.5%
3.6%
-1.4%
(1) Includes credit to residents and non-residents: loans to non-banking financial institutions, Trade Bills Discounted and Loans and Advances to the Government and Public Sector,
Private sector (corporates and individuals) in local and foreign currencies.
(2) Net of inter-bank deposits and bank drafts, including commercial prepayments.
(3) Excluding subordinated borrowings/deposits, but including current year profit.
(4) Total Capital Ratio, Tier 1 Ratio and CET 1 Ratio for the period starting from Dec 2017 are calculated according to the Basel III Guidelines issued by CBUAE vide Circular
52/2017. Whereas CAR for period prior to Dec 2017 are according to Basel II Guidelines.
*Estimates, subject to revision
CBUAE November 2022
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