Emirates NBD Operating Costs and Efficiency Highlights
Credit Quality
Group
Loan Portfolio by Type - Q3 2011 YTD(1)
Islamic
9%
100% AED 209.1b
Sovereign
27%
Retail
10%
Corporate
54%
Impaired Loans Composition (AED million)
Loan Portfolio by Type – Q3 2011 YTD(1)
100% AED 209.1b
Transport &
comms
2%
Contracting
3%
Others
4%
Manuf.
3%
Trade
4%
Personal -
Corporate
5%
Services
9%
Personal -
FI &
Investment
Retail
12%
Sovereign
27%
Real estate
15%
Co's
16%
Impairment Allowance Composition (AED million)
■Credit Underlying
26,941
360
Credit IIRLS (2)
21,283
■Investment Securities
20,562
361
■Specific-Underlying Credit
Specific IIRLS
■Investment Securities
(2)
371
19,024
369
13,969
11,564
11,522
9,164
12,069
263
10,550
9,644
267
1,695
270
745
8,322
912
265
912
5,948
674
9,537
10,111
3,314
8,462
5,831
7,145
12,611
981
3,292
789
5,275
8,679
9,348
9,491
1,316
5,041
2,333
1,976
2008
2009
2010
Q1 11
Q2 11
Q3 11
2008
2009
2010
Q1 11
Q2 11
Q3 11
1)
Gross Loans and receivables before provisions and deferred income
2)
IIRL = Interest Impaired Renegotiated Loans
Emirates NBD
20
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