Financial & Operating Performance
Capital Adequacy
Emirates NBD
20
Highlights
In Q4-17, Tier 1 ratio improved by 0.7% to 19.5% and CAR
increased by 0.7% to 21.9%
Capitalisation - Basel II
21.9
21.2
20.2
20.7
21.2
19.5
Increase in Tier 1 capital from retained earning more than
offsetting modest increase in risk weighted assets
18.3
18.7
17.8'
18.8
54.4
53.4
55.3
57.6
59.5
Under the Basel III framework:
-
Common Equity Tier 1 ratio is 16.4%
Tier 1 ratio is 19.7%
6.5
6.4
6.4
6.5
6.5
47.8
47.0
48.9
51.1
53.0
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
-
Total Capital ratio is 22.0%
Emirates NBD has been designated a Domestically
Systemically Important Bank. Additional D-SIB buffer of
0.75% for 2017 rising to 1.5% by 2019
Q4 16
Q1 17
Q2 17
Q3 17
Q4 17
T2
T1
T1 %
CAR %
Capital Movements – Basel II
Risk Weighted Assets - Basel II (AED Bn)
AED Bn
Capital as at 31-Dec-2016
Net profits generated
FY 2016 dividend paid
Tier 1 Issuance/Repayment
Tier 2 Issuance/Repayment
Amortisation of Tier 2
Interest on T1 securities
Other
Tier 1 Tier 2
Total
+6%
47.8 6.5
54.4
8.4
8.4
256.2
263.8
267.1
271.6
272.0
(2.2)
(2.2)
25.7
-5.0
25.7 7.3
25.7
25.7
8.4
-7.3
26.4
7.8
I
225.4
230.9
233.0
238.6
237.8
(0.6)
(0.6)
Q4 16
Q1 17
Q2 17
Q3 17
Q4 17
(0.4) (0.1)
(0.4)
Capital as at 31-Dec-2017
53.0 6.5
59.5
Operational Risk
Market Risk
Credit RiskView entire presentation