Investor Presentaiton

NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 46 RISK MANAGEMENT (CONTINUED) 46 RISK MANAGEMENT (CONTINUED) E. Analysis by economic activity for assets: F. Classification of investment securities as per their external ratings The Group monitors concentrations of credit risk by economic activity sector. The analysis by economic activity is as follows: As of 31 December 2021 2021 2020 Ratings AED 000 AED 000 Trading securities at FVTPL AED 000 Loans and Others Receivables Manufacturing 20,508,463 1,197,001 Loans and Receivables 21,784,553 AAA Designated at FVTPL AED 000 1,777 FVOCI-debt instruments AED 000 FVOCI-equity instruments AED 000 Amortised Others AA- to AA+ 777,667 A- to A+ 1,134,004 315,837 Construction 16,110,888 340,839 17,878,802 363,901 Lower than A- 641,437 Unrated 401,082 4,441 245,933 770,629 3,058,561 12,222,749 856,802 cost AED 000 2,634,781 53,040,210 Total AED 000 2,636,558 54,944,843 9,170,187 12,544,585 1,663 559,994 14,441,570 6,695,646 27,311,860 8,759,457 Trade 32,717,137 141,749 31,031,972 50,444 Less: Transport and communication 12,892,388 1,166,102 Services 12,078,563 993,310 Sovereign 152,416,647 93,779,805 Personal 98,184,765 Real estate 49,337,859 43,402 Hotels and restaurants 11,723,275 13,398,550 16,867,387 161,170,804 91,727,537 56,180,802 14,919,257 746,580 1,686,744 60,490,685 Expected (23,053) (17,364) (40,417) Credit Loss 2,492,360 252,151 16,885,688 561,657 85,965,030 106,156,886 Of which issued by: 543 Management of companies and enterprises 12,689,036 11,403,480 Financial institutions and investment companies 20,903,075 52,895,984 Agriculture 5,825,162 Others Total Assets 15,885,441 461,272,699 1,035,100 151,593,292 Less: Deferred Income Less: Expected credit loss (1,814,833) (37,185,476) 422,272,390 (93,158) 151,500,134 18,894,422 8,579,836 16,410,228 480,247,630 (1,721,350) (34,984,811) 443,541,469 42,488,518 1,463,159 108,068,241 Governments Public sector enterprises Private sector and others Less: Expected Credit Loss Trading securities at FVTPL AED 000 1,939,565 244,309 Designated at FVTPL AED 000 FVOCI-debt instruments AED 000 10,919,410 FVOCI-equity instruments AED 000 Amortised 4,545,196 74 cost AED 000 80,920,830 4,222,523 Total AED 000 93,779,805 9,012,102 308,486 252,151 1,444,135 561,583 839,041 3,405,396 (23,053) (17,364) (40,417) 2,492,360 252,151 16,885,688 561,657 85,965,030 106,156,886 (173,646) 107,894,595 Others includes due from banks, investment securities and investments in associates. 99 EMIRATES NBD BANK PJSC - GROUP CONSOLIDATED FINANCIAL STATEMENTS - FOR THE YEAR ENDED 31 DECEMBER 2021 100 بنك الإمارات دبي الوطني Emirates NBD

View entire presentation