Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Highlights of strategic achievements in 2016
1
2016 Strategic Priorities
Deliver an
excellent customer
experience
2
Drive core
business
3
5
Run an efficient
organization
•
.
•
•
•
Drive geographic
expansion
•
Build a high
performing
organization
•
.
Extend servicing of products through online,
mobile, social channels
Reinforce ENBD's position as a digital
innovator in the region via best-in-class
online and mobile banking services
Keep investing in new digital channels,
products, and capabilities
Drive asset growth and cross-sell in Retail
and Islamic
Diversify wholesale banking loans portfolio
Grow fee income via improved Transaction
Banking, Treasury and online offerings
Optimize IT landscape to increase agility and
enable digital banking
Streamline key processes and enhance cross-
functional collaboration throughout Group
Enhance risk governance and compliance controls
Align risk appetite to strategy and use of capital
Sustain our growth path and deepen footprint
in Egypt and other offshore locations
Catalyze growth in current international
markets
Continue to evaluate potential organic and
inorganic opportunities in selected markets
Continue to drive nationalisation efforts with
a focus on developing local leadership talent
Improve performance management with
greater recognition for high performers
Continue successful Employee Engagement
level programs
Key Achievements
•
Won Best Bank in the Middle East, Best Bank in the UAE and Best Digital
Bank in the Middle East at the Euromoney Awards for Excellence 2016 -
first bank in UAE and Middle East to win in all three categories.
• Awarded 'Best Bank UAE - 2016' by The Banker, second year in a row.
Emirates NBD's mobile banking app crossed 400K active users and
Increased digital offerings like DirectRemit (to Sri Lanka and Egypt),
Emirates NBD Pay, mePay and SmartPass.
Transformation on track with key investments in developing our non-
lending offering and services and Transaction Banking enhanced to
include a host-to-host channel and a corporate cheque printing service.
• Retail loans growth of 14%, asset growth of 10%, with consistent efforts in
launching best-in-class offerings. Islamic Financing Receivables growth of
8% (ENBD Group).
Healthy capital adequacy ratio at 21.2% and Tier 1 capital ratio at 18.7%
• Advances to deposits ratio improved 0.8% to 93.4% amid tighter liquidity.
Drove profitable growth by controlling NPLs from 7.1% to 6.4%.
•
•
•
Successfully implemented new core banking system in Emirates Islamic.
As part of an AED 500 mn planned digital initiatives investment in the next
three years, the bank launched Emirates NBD Future Lab™
Received a license to operate a full fledged branch in India and expect to
start operations on Q3 2017.
Approval to open three additional branches in KSA.
⚫ National Leadership Program launched and implemented to identify and
develop National leaders for the future.
•
•
High Potential Talent and High Performers identified and efforts made to
maintain high levels of engagement and retention.
Emirates NBD engagement level in 2016 stood at 64% compared to 62%
for Global Commercial Banks and 53% for GCC Commercial Banks.
Emirates NBD
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