Credit Quality Overview
Loan and Deposit Trends
Emirates NBD
Highlights
Gross loans increased by 3% q-o-q and by
5% from end 2013
Consumer lending grew 13% q-o-q and by
18% from end 2013, temporarily inflated by
IPO leverage effect
Islamic financing grew 2% q-o-q and by 8%
from end 2013
Trend in Gross Loans by Type (AED Bn)
+5%
+3%
272
259
262 265
250 254
221
216
218
205
228
223
175
235 238
178 180
188
191
195
196
197
200
171
162
25
20
166 167 171
22
21
22
21
22
23
26
27
28
29
29
33
20,4 20 3 28 1 282 30
2
30,2 33
1.
34
35
35
36
36
38
39
1
1
1
1
1
1
Q4 09 Q4 10 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14
Corporate
Consumer
Islamic*
Treasury/Other
Deposits decreased by 1% q-o-q due to
repayment of AED 4.8 Bn of MOF T2
deposits.
Trend in Deposits by Type (AED Bn)
+4%
252 253
-1%
250
230
223
229
CASA grew 2% q-o-q and by 16% from end
2013
209 209 214
214
200 193
181
2
CASA deposits as a percentage of total
deposits have increased to 59% in Q3-14
from 43% at the end of 2012
112 107
120
122
119 123 122
138 113
122
27
240
110
107 105 97
110
79
85
88
90
91 102
116
118
127
141 144 148
56
61
Gross Islamic Financing Net of Deferred Income
Q4 09 Q4 10 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14
Other
Time
CASA
23
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