Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Loan Composition
Total Gross Loans (AED 271 bn)
Treasury/Other
Retail
Corporate
27
92
(34%)
1
(10%)
(0%)
Corporate Loans (AED 92 bn)
Cont.
Trans. & com.
8%
6%
Trade
14%
Sovereign
111
(41%)
Retail Loans (AED 27 bn)
Others
Overdrafts
6%
Car Loans 13%
RE
33%
40
(15%)
7%
Manuf.
Islamic*
4%
3%
Others**
25%
Serv.
Fin Inst
14%
Personal
34%
14%
14%
5%
Credit Cards
Mortgages
Time Loans
Islamic* Loans (AED 40 bn)
Per. - Retail 52%
*Islamic loans net of deferred income; **Others include Agriculture and allied activities and Mining and quarrying
RE
16%
Emirates NBD
Fin Inst
6%
6% Serv.
5% 0%
2%
Per. - Corp.
Others**
3%
7%
Manuf.
3%
Trade
Cont. Trans. & com.
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