Investor Presentaiton
Consumer Banking &
Wealth Management
Divisional Performance
Wholesale Banking
Key focus during the period was on balance sheet optimisation,
continued proactive management of credit quality, building non-
risk based and fee generating businesses and selective growth in
new underwriting
Revenue increased 4% compared to 2010 as 7% growth in Net
Interest Income was partly offset by 4% lower Fee Income
Loans rose by 2% from end-2010 evidencing a pickup in new
underwriting during the period
However, deposits declined 26% from end-2010 due to balance
sheet management initiatives and increased deposit competition
in the sector
CWM maintained its position in challenging market conditions
Continued expansion in Private Banking business; now almost
70 RMs
Revenue improved 18% compared to 2010 due to 22% growth in
net interest income
Deposits grew 14% from end-2010
Loans declined by 2% from end-2010 due to lower personal
loans, mortgages and time loans; partly offset by growth in credit
cards, auto loans and retail overdrafts
Total number of branches now 112 through the addition of 2
branches in Dubai, 4 in Abu Dhabi and 1 in Sharjah during 2011;
the ATM & SDM network totals 630
Emirates NBD
Balance Sheet Trends
AED billion
+2%
Revenue Trends
AED million
+4%
172.4
158.2
161.1 165.1
4,835
3,648 1,248
4,400 4,580
1,126 1,081
94.2
1,008
83.2
73.8
69.8 -26%
3,587 3,274
3,499
2,640
2008 2009 2010 2011
Loans Deposits
2008 2009 2010 2011
NFI
NII
Balance Sheet Trends
AED billion
Revenue Trends
AED million
+18%
-2%
75.4
3,910
66.1
+14%
3,387 3,322
54.4
45.3
3,012
790
1,000
790
940
26.0
22.2 19.1 18.8
2,222 2,597 2,382
2,910
2008 2009 2010 2011
2008
2009 2010 2011
Loans
Deposits
NFI
NII
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