Investor Presentaiton
103
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
46
RISK MANAGEMENT (CONTINUED)
H.
Credit quality analysis:
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
46
RISK MANAGEMENT (CONTINUED)
H.
Credit quality analysis (continued):
AED 000
12-month ECL
31 December 2021
The following table sets out information about the credit quality of financial assets measured at amortised cost.
Unless specifically indicated, for financial assets, the amounts in the table represent gross carrying amounts.
Lifetime ECL not
credit-impaired
Lifetime ECL
credit-impaired
AED 000
12-month ECL
31 December 2020
Balance at 1 January
Lifetime ECL not
credit-impaired
Lifetime ECL
credit-impaired
Total
416,351,562
24,280,407
26,024,453
466,656,422
Total
Transfers from stage 1
(12,209,451)
9,540,767
2,668,684
Balance at 1 January
421,733,474
26,974,892
29,817,914
478,526,280
Transfers from stage 2
5,277,043
(8,287,282)
3,010,239
Transfers from stage 1
(14,752,093)
14,209,710
542,383
Transfers from stage 3
7,849
263,033
(270,882)
Transfers from stage 2
3,425,263
(7,547,987)
4,122,724
New financial assets, net of
12,306,471
1,177,967
482,130
13,966,568
repayments and others
Transfers from stage 3
360,866
New financial assets, net of
(11,385,847)
(2,720,129)
(360,866)
(3,715,562)
Amounts written off during the year
(2,096,710)
(2,096,710)
(17,821,538)
Total gross loans and
repayments and others
421,733,474
26,974,892
29,817,914
478,526,280
receivables*
Amounts written off during the year
(1,246,876)
(1,246,876)
Expected credit losses
(4,612,683)
(5,697,198)
(24,674,930)
(34,984,811)
Total gross loans and
399,020,797
31,277,352
29,159,717
459,457,866
receivables*
Carrying amount
417,120,791
21,277,694
5,142,984
443,541,469
Expected credit losses
(3,847,334)
(6,929,276)
(26,408,866)
(37,185,476)
Carrying amount
395,173,463
24,348,076
2,750,851
422,272,390
By business units
Corporate Banking
Retail Banking
By business units
Corporate Banking
294,532,676
26,350,574
26,035,691
Retail Banking
104,488,121
4,926,778
3,124,026
346,918,941
112,538,925
Total gross loans and
receivables
Total gross loans and
receivables
399,020,797
31,277,352
29,159,717
459,457,866
EMIRATES NBD BANK PJSC - GROUP CONSOLIDATED FINANCIAL STATEMENTS - FOR THE YEAR ENDED 31 DECEMBER 2021
104
320,533,697
19,089,439
25,748,073
365,371,209
101,199,777
7,885,453
4,069,841
113,155,071
421,733,474
26,974,892
29,817,914
478,526,280
The stage 1 and stage 2 are performing loans having grades 1a- 4f while stage 3 and POCI are
non-performing loans having grades 5a- 5d.
Corporate and Institutional banking - Performing includes AED 3,470 million (2020: AED 4,314 million)
for exposure against watchlist customers.
*The credit-impaired loans and receivables of AED 29,160 million (2020: AED 29,818 million) comprises of
AED 28,138 million (2020: AED 27,759 million) credit-impaired loans and receivables and AED 1,022 million
(2020: AED 2,059 million) classified as POCI acquired at fair value.
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