Emirates NBD Financial Performance and Market Update
Emirates NBD Profile
Operating Environment
Appendix
Strategy
Financial & Operating Performance
Emirates NBD
Emirates NBD delivered a strong set of results in H1-17 amidst an uncertain
environment
H1 2017 at a glance
2017 Macro themes
H1 2017
VS.
2017 guidance
Profitability
Net profit
AED 3.89 Bn
+5% y-o-y
2.41%
2.35 - 2.45%
Net interest
margin
Cost-to-income
30.2%
ratio
Credit Quality
NPL ratio
6.1%
Coverage ratio
123.5%
Capital &
Liquidity
Tier 1 ratio
18.3%
Capital adequacy
20.7%
ratio
AD ratio
33%
95.0%
90-100%
LCR ratio
157.3%
Assets
Net Loan growth
5% ytd
mid-single digit
•
.
Regional
Global
Resilience of UAE
•
Emirates NBD's
economy
balance sheet
underpinned by
non-oil activity
growth
Robust business
sentiment
Improving liquidity
Impact on GCC of
prolonged standoff
with Qatar
Strong dollar
impact on Dubai
tourism
positioned to benefit
from rising interest
rates
Improved banking
system liquidity to
support private
sector growth
Potential Euro area
volatility from
implementation of
Brexit and key
government
elections
Tensions in the
Korean Peninsula
12View entire presentation