Investor Presentaiton
Credit Quality
Composition of Gross Loan Portfolio
Emirates NBD
Corporate and Retail Lending Portfolio
Corporate & Sovereign Loans
(AED 181 bn)
Retail Loans (AED 20 bn)
By Type (AED 236 bn)
Retail
By Econ Sector (AED 236 bn)
8%
Trans. &
com. Cont.
2% 3%
Others
3%
Overdr Others
Manuf.
3%
Trade
4%
afts
Manuf. Trade Trans. &
3% 4% com
3%
Cont.
5%
4%
7%
Others
3%
Car
Loans
Sover
eign
Sov.
32%
Corp.
Per. -
Per. -
11%
4%
Sov.
42%
Islami
C
15%
32%
Serv.
9%
Corpo
Per. -
rate
Ret.
45%
RE
13%
13%
Fin Inst
14%
Corp.
4%
Serv.
10%
Credit
Cards
16%
Fin Inst
15%
RE
12%
Time
Loans
6%
Impaired Loans and Impairment Allowances (AED billion)
Person
al
Loans
40%
Impaired Loans
Impairment Allowances
33.6
16.6
29.7
12.9
3.2
14.4
1.6
20.4
13.8
8.3
7.3
5.9
0.9
6.0
11.5
0.0
3.3 0.5
1.3.1.3 0.2
0.0
10.1
0.0
5.8/0.7
9.0
3.3 0.8
0.0
2.8
1.8
3.8
2.7
1.70.8
3.6
3.8
3.2 0.4
3.6
1.3 0.2
2.9
3.5
3.6
1.7
2.9
4.9
0.7.0.5
0.3-0.8)
0.3
0.4
0.2.1.4
2.1
0.2
Q4 08
Q4 09
Q4 10
Q4 11
DW/DH*
Core Corporate
Q4 10
Investment Securities
*DW/DH = includes D1 (exposure AED 9.38 billion; provision AED 552 million) and D2B (exposure AED 4.62 billion; provision AED 2.51 billion)
Q4 08
Q4 09
Q4 11
Q4 12
Q4 12
Retail
Islamic
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