Investor Presentaiton
Loan and Deposit Trends
Emirates NBD
Highlights
Signs of modest pickup in new
underwriting across all business segments
with 8% growth in gross loans from the
start of 2013 and 2% growth over the
quarter
Consumer lending showing strong growth,
up 5% q-o-q and 27% y-o-y with growth
spread across all areas including Personal
Loans, Mortgages, Credit Cards and Car
Loans
• Islamic financing showed good growth, up
2% q-o-q and 16% y-o-y
More costly time deposits continue to
decline.
• 30% CASA growth since start of year
CASA deposits as a percentage of total
deposits have increased to 52% at end of
Q3 2013 from 43% at the end of 2012
Trend in Gross Loans by Type (AED billion)
+2%
250
254
235
238
+8%
216
205
179
181
189
191
163
166
22
22
23
21
20
28
33
23
26
26
34
27
34
35
0
Q4 10
Q4 11
Corporate
Q4 12
Consumer
Q1 13
Islamic
Q2 13
Treasury
Q3 13
Trend in Deposits by Type (AED billion)
-1%
230
229
214
223
200
2
3
193
1
2
+14%
1
120
112
107
138
113
122
116
118
91
102
79
61
Q4 10
Q4 11
Q4 12
Q1 13
Q2 13
Q3 13
Other
Time
CASA
24
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