Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Capital Adequacy
Highlights
•
In 2015, Tier 1 ratio remained steady at 18% and CAR
declined by 0.4% to 20.7%
Capitalisation
21.1
20.5
21.0
20.9
20.7
18.0
17.5
'18.0'
18.0
18.0
Increase in Tier 1 Capital from retained earnings offset by
increase in RWAs
46.4
46.0
47.5
49.1
50.9
6.7
6.8
6.8
6.8
6.7
•
Increase in RWAs due to growth in lending and treasury
products
39.7
39.2
40.8
42.3
44.2
Q4 14
Q1 15
T2
Q2 15
Q3 15
Q4 15
T1
T1 % CAR %
Capital Movements (AED Bn)
FY-14 to FY-15 (AED Bn)
Capital as at 31-Dec-2014
Net profits generated
Risk Weighted Assets – Basel II (AED Bn)
Tier 1 Tier 2
Total
+11%
39.7 6.7
46.4
7.1
7.1
220.2
FY 2014 dividend paid
(1.9)
(1.9)
21.3
223.9
21.3
226.7
235.3
21.3
-7.0
3.7
3.9
21.3 4.5
245.5
24.1
4.2
Tier 1 Issuance/Repayment
Tier 2 Issuance/Repayment
Amortisation of Tier 2
Interest on T1 securities
191.9
(0.1)
(0.1)
(0.6)
(0.6)
Q4 14
Q1 15
Q2 15
Q3 15
Q4 15
Goodwill
0.1
0.1
Other
(0.2) 0.1
(0.1)
Operational Risk
Market Risk
Credit Risk
Capital as at 31-Dec-2015
44.2 6.7
50.9
198.8
201.5
209.5
217.2
Emirates NBD
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