Emirates NBD Investor Presentation H1 2021
Liquidity within the UAE banking system remains healthy
Highlights
Bank loan and deposit growth
12
110
•
The gross advances to deposits ratio for the UAE remained healthy at 92.7% in June
2021
% yly
AD Ratio (RHS)
Bank Deposits (LHS)
10
•
Growth in the UAE bank deposits rose 2.3% y-o-y in June while gross bank lending
slowed to -1.2% y-o-y
Bank Loans (LHS)
%
105
8
6
• Gross loan growth continues to be driven by lending to the public sector, with lending to
the private sector declining -2.3% y-o-y
100
4
95
2
0
00
90
-2
-4
85
59
Jan-18 Jun-18 Nov-18 Apr-19 Sep-19 Feb-20
Jul-20
Dec-20 May-21
GCC banking market, June 2021
UAE
KSA
Qatar
Kuwait
Banking Assets USD Bn
Oman
82
Source: UAE Central Bank, Bloomberg;
249
478
UAE banking market (USD Bn), June 2021
Gross Loans
129
347
477
866
830
Deposits
125
386
511
Assets
188
678
866
■Emirates NBD ■Other Banks
Economic Environment
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