Investor Presentaiton
Loan and Deposit Trends
Highlights
Trend in Gross Loans by Type (AED billion)
Emirates NBD
Signs of modest pickup in new
underwriting with 9% growth in
gross loans during 2012
+9%
235
221
223
228
212
216
218
(+3%
205
Balance sheet optimisation
initiatives successful in improving
deposit mix:
162
173
166
168
172
176
179
163
27
22
22
26
21
22
21
21
22
―
Growth of 11% in deposits
21
20
28
28
30
30
33
20
-2-
-1
-1
1
0
-0
CASA growth of 15% or AED 12
billion during 2012
CASA % age of total deposits 43%
at end-2012 compared to 41%
and 31% at end-2011 and end-
2010 respectively
Trend in Deposits by Type (AED billion)
Q4 08 Q4 09
Q4 10
Q4 11
Q1 12
Q2 12
Q3 12
Q4 12
Corporate
Consumer
Islamic
Treasury
+11%
209
208
214
214
200
162
83
181
193
1
2
-1-
1
1
0%
137
113
122
119
123
121
103
122
79
85
88
57
56
61
+15%
88
90
90
91
Q4 08 Q4 09 Q4 10
Q4 11
Q1 12
Q2 12
Q3 12 Q4 12
Other
Time
CASA
25
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