Emirates NBD Q2 2022 Financial Results
Loans and deposits trends
Gross Loans by Type (AED Bn)
+1%
475
475
459
463
463
DenizBank
79
79
65
65
66
-
EI*
46
47
47
50
52
-
52
54
56
59
Retail
61
-
Highlights
Income
Risk
Expenses
Capital
Liquidity
Divisional
Key Highlights
• Gross loans grew 1% (AED 4bn) in H1-22
Retail lending up 8% (AED 5 bn) with strong demand across all products
El Financing and Receivables up 11% (AED 5 bn)
DenizBank's gross loans up 26% in H1-22
Deposit mix improved in H1-22 with AED 10bn increase in CASA balance
-
CASA represents 62% of total Group deposits
DenizBank's deposits up 32% in H1-22
298
296
291
289
284
-
Corporate
Q2 21
Q3 21
Q4 21
Q1 22
Q2 22
Deposits by Type (AED Bn)
+2%
458
467
469
468
456
DenizBank
79
78
70
69
73
9
8
10
10
13
Other
117
130
134
124
118
Time
Gross Loans by Sector (%)
Other 3% Agric. 1%
Manuf. 5%
Trans &
Services
10%
Trade 7%
Construction &
Hotels 5%
Net Loans by Geography (%)
Sovereign 27%
International 20%
CASA
241
246
254
272
264
FI & Mgmt Cos
9%
Personal 22%
Real estate 11%
Q2 21
Q3 21
Q4 21
Q1 22
Q2 22
* Gross Islamic Financing Net of Deferred Income
GCC 4%
UAE 76%
18View entire presentation