Investor Presentaiton
Emirates NBD Profile
Appendix
Strategy
Financial & Operating Performance
Operating Environment
Loan Composition
Total Gross Loans (AED 285 bn)
Treasury/Other
Retail
29
(10%) 1
(0%)
93
Corporate
(33%)
Corporate Loans (AED 93 bn)
Cont.
Trans. & com.
8%
5%
Trade
15%
Sovereign
117
(41%)
Retail Loans (AED 29 bn)
Others
Overdrafts
5%
Car Loans 14%
14%
46
(16%)
Islamic*
Personal
35%
14%
14%
Credit Cards
5%
Mortgages
Time Loans
RE
33%
8%
Manuf.
2%
Others** 15%
23%
Per. - Corp.
Serv.
Fin Inst
Islamic* Loans (AED 46 bn)
Per. Retail 53%
*Islamic loans net of deferred income; **Others include Agriculture and allied activities and Mining and quarrying
Emirates NBD
RE
14%
Fin Inst
5%
7% Serv.
5%
Others**
3%
4%
Manuf.
6%
3%
Trade
Cont. Trans. & com.
22
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