Investor Presentaiton
23
RECONCILIATION OF CHANGES IN PROVISION FOR IMPAIRED LOANS
Balance at 1 January
Add: Charge for the year
2020
29,226,395
AED 000
AED 000
2019
26,702,508
Specific Provisions (ECL Stage 3)
6,786,553
5,212,367
General Provisions (ECL Stage 1 and Stage 2)
1,673,921
Less: Write-off of impaired loans
(2,096,710)
(2,005,953)
1,419,340
Less: Recovery of loans previously written off
Less: Write back/Recovery of loan loss provisions
Less: Exchange and other adjustments of loan loss provisions
Balance of provision for impaired loans as at 31 December
EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES FOR THE YEAR ENDED 31 DECEMBER 2020
(584,935)
(20,413)
(580,505)
(1,521,362)
34,984,811
29,226,395
24
24
On-Balance
Sheet
Gross
Claims on sovereigns
Outstanding
AED 000
311,576,921
Claims on non-central Government public sector entities
Claims on multi-lateral development banks
1,523,173
327,238
AED 000
91,359
368,117
Off-Balance
Sheet Net
Exposure
after Credit
Conversion
Factors
(CCF)
Total Gross
Exposure
AED 000
311,668,280
Exposure
Before CRM
AED 000
311,668,280
Risk
Weighted
CRM
AED 000
After CRM
AED 000
Assets
AED 000
311,668,280
45,887,566
Claims on banks
39,189,378
12,625,894
1,891,290
327,238
51,815,272
1,891,290
327,238
51,815,272
1,891,290
327,238
148,993
4,904,741
46,910,531
28,950,761
Claims on securities firms
540
540
540
37
503
503
Claims on corporate and Government Related Entities (GRE) 163,983,302
Claims included in the regulatory retail portfolio
55,622,692 219,605,994
Claims secured by residential property
Claims secured by commercial real estate
Past due loans
Higher-risk categories
Other assets
Total
71,938,085
18,854,239
40,147,464
39,452,508
162,797
26,309,743
713,464,848
19,676
219,605,994
2,539,290 74,477,375 74,477,375
376,296 19,230,535 19,230,535
1,699,612 41,847,076 41,847,076
1,314,150 40,766,658 6,569,090
162,797
162,797
26,329,419 26,329,419
26,487,166
3,534,772
424
18,125
193,118,828 188,044,759
70,942,603 54,668,530
19,230,111 9,193,629
41,847,076 41,847,076
6,550,965 6,929,218
162,797
244,195
26,329,419 17,647,051
74,657,626
788,122,474 753,924,906 34,945,265 718,979,641 393,562,281
The Gross Credit Exposures as per Standardised Approach with the effect of CRM as detailed below:
GROSS CREDIT EXPOSURE AS PER STANDARDISED APPROACH
31 DECEMBER 2020
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