Dubai: Positioning for Future Growth
Non-funded Income
Non-funded income
Q3-22
Q3-21
All figures are in AED mn
Better /
(Worse)
Q2-22
Better /
(Worse)
Fee and Commission income
1,806
1,565
15%
1,782
1%
Fee and Commission expense
(744)
(654)
(14)%
(714)
(4)%
Net Fee and Commission Income
1,062
911
17%
1,068
(1)%
Other operating income
1,388
379
266%
1,552
(11)%
Gain/loss on trading securities
(45)
23
(296)%
32
(242)%
Total Non-funded income
2,404
1,313
83%
2,652
(9)%
Fee and Commission Income
All figures are in AED mn
1,565
1,538
1,527
1,782
63
231
1,806
54
218
Brokerage & AM fees
81
113
58
Trade Finance
192
192
198
16
Highlights
Income
Liquidity
Risk
Expenses Capital
Divisional
Key Highlights
Q3-22 fee and commission income 15% higher y-o-y from increased
local and international retail card business at both ENBD and
DenizBank and strong investment banking revenue
Other operating income up substantially y-o-y due to
Higher retail FX volumes as customers took advantage of strong
dollar and increased remittance
Other operating income 11% lower q-o-q due to higher level of property
gains in Q2 compared to Q3
Other Operating Income
1,552
All figures are in AED mn
5
1,378
1,388
28
359
1,188
28
158
430
49
Investment Sec.
Property & Other
217
1,188
1,202
1,488
1,533
FX & Derivative
379
1,293
1,232
1,271
Fee Income
921
922
23
166
191
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
17View entire presentation