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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. بنك الإمارات دبي الوطني Emirates NBD
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