Investor Presentaiton
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Credit Quality
Highlights
NPL ratio improved by 0.8% year to date to 7.1%
Impaired loans improved to AED 20.3 Bn helped by over
AED 1 Bn of writebacks & recoveries
Cost of risk fell for the 5th consecutive quarter in Q3-15 with
net impairment charge of AED 2.8 Bn in Q3-15 YTD, over
AED 1 Bn lower than in Q3-14 YTD
Coverage ratio increased to 115.3% due to the combined
effect of routine provisioning and increased writebacks &
recoveries
• Total portfolio impairment allowances amount to AED 5.6 Bn
or 2.65% of credit RWAS
Impaired Loans and Impairment Allowances (AED Bn)
Impaired Loans
Impaired Loan & Coverage Ratios (%)
Emirates NBD
115.3
109.8
103.9
100.3
92.0
85.4
80.1
76.1
66.2
64.7
70.3
57.5
60.7
49.4
14.3
13.9
13.8
13.5
12.6
4.0
3.6
3.5
3.5
3.1
7.9
7.8
7.4
7.1
10.3
10.3
10.2
10.0
9.5
Q4 12
Q4 13 Q1 14
Impact of DW %
Q2 14
NPL ratio, excl. DW
Q3 14 Q4 14 Q1 15
Coverage ratio, excl. DW %
Coverage ratio, incl. DW %
Q2 15
Q3 15
Impairment Allowances
36.1
36.0
35.8
34.4
20.8
21.9
23.1
24.2
-0.4-
21.2
22.0
22.6
23.3
+3%
-0.4-
9.4
9.3
9.1
8.5
0.5
-0.4
-2%
21.1
21.2
20.6
20.3
14.5
15.2
12.8
13.6
16.2
16.2
16.2
16.4
16.9
17.7
18.0
15.8
15.3
15.4
15.2
14.4
3.7
3.7
3.8
3.8
3.8
3.9
3.9
3.9
6.5
6.6
6.4
0.2
6.1
5.3
0.4,0.1
5.2
0.5,0.1
0.4,0.1
4.9
5.3
0.5,0.1
0.5
0.5
0.6
0.7
3.4
3.8 0.1
4.2 0.1
4.5
4.2
4.3
4.3
4.7
0.2
-0.2
0.2
-0.2-
0.1
0.1
-0.3
Q4 13
Q1 14
Q2 14
Q3 14
Q4 14
DW
Q1 15 Q2 15
Q3 15
Q4 13
Core Corporate
Retail
Islamic
Q1 14
Other Debt Securities
Q2 14
Q3 14
Q4 14
Q1 15
Q2 15
Q3 15
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