Tanfeeth Overview
Credit Quality
Group
Sovereign
31%
Loan Portfolio by Type (1)
100% = AED 229.1b
Islamic
14%
Retail
8%
Corporate
47%
Loan Portfolio by Type (¹)
Transport &
comms
2%
100% = AED 229.1b
Others
Contracting
3%
3%
Manuf. Trade
3%
4%
Sovereign
31%
Personal -
Corporate
4%
Services
9%
Personal -
Real
estate
14%
FI &
Retail
13%
Investment
Co's
14%
Impaired Loans Composition (AED billion)
Impairment Allowance Composition (AED billion)
15.6
■Core Corporate
(2)
32.9
■ Core Corporate
32.0
14.8
0.3
30.8
IIRLS
29.7
0.4
0.4
(2)
IIRLS
13.9
0.2
2.1
0.4
12.9
0.3
4.8
0.2
2.9
4.5
1.9
■ Retail
Islamic
2.9
Retail
0.2
1.5
3.8
3.9
1.4
3.6
3.8
3.8
Investment Securities0.4.
20.4
1.7
3.2
13.8
13.9
13.8
13.9
Islamic
3.7
3.7
8.3
Investment Securities,
8:3
3 moo
3.6
2.1
2.1
1.7
5.9
1.6
0.7
3.5
5.8
2.9
6.7
7.3
6.8
6.0
0.8
0.7
9.0
9.9
9.3
10.0
2.8
2.7
1.8
3.6
1.7
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
1)
Gross Loans and receivables before provisions and deferred income
IIRL = Interest Impaired Renegotiated Loans at Q3 2012 comprises D1 (exposure AED 9.3 billion; provision AED 574 million) and D2B (exposure AED 4.6 billion; provision AED 1.56 billion)
Emirates NBD
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