Investor Presentaiton
Consumer Banking &
Wealth Management
Wholesale Banking
Divisional Performance
ā
Key focus during Q1 2012 was on strategy re-alignment to
ensure enhanced future customer service quality and share of
wallet, increased cross-sell of Treasury and Investment Banking
income and increased Cash Management and Trade Finance
penetration
Revenue declined 8% q-o-q but improved 9% y-o-y
Loans rose by 1% from end-2011 as new underwriting more than
offset normal loan repayments
Balance Sheet Trends
AED billion
+1%
172.4
158.2
161.1 162.0 163.6
Revenue Trends
AED million
+4%
4,835
4,400 4,580
94.2
3,648 1,248
1,008
1,126 1,081
83.2
73.8
75.7
69.8
+8%
3,587 3,274 3,499
2,640
Deposits rose 8% from end-2011 due to balance sheet
management initiatives
1,113
845 268
2008 2009 2010 2011 Q1
2012
2008 2009 2010 2011 Q1
2012
Loans
Deposits
NFI
NII
CWM maintained its position in challenging market conditions
Continued expansion in Private Banking business; now almost
70 RMS
Revenue improved 7% q-o-q due to strong 29% growth in fee
income
Deposits grew 10% from end-2011
Loans declined 2% from end-2011 as strong growth in personal
loans was more than offset by declines in other retail portfolios
Channel optimization strategy being pursued to enhance
efficiency across all distribution channels, resulting in a reduction
of 3 branches and 25 ATM/SDMs during Q1 2012 to 109 and 605
respectively
Balance Sheet Trends
AED billion
Revenue Trends
AED million
+18%
-2%
82.6
75.4
+10%
66.1
3,387 3,322
54.4
45.3
3,012
790
3,910
1,000
790
940
26.0
22.2 19.1
18.8 18.4
2,597
2,910 1,121
2,222
2,382
776
345
2008 2009 2010 2011 Q1
2008 2009 2010 2011
Q1
2012
2012
Emirates NBD
Loans
Deposits
NFI
NII
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