Investor Presentaiton
Operating Environment
Credit Quality
Emirates NBD
Highlights
• NPL ratio improved marginally to 7.8%
Impaired loans increased by AED 0.1 Bn
Impaired Loan & Coverage Ratios (%)
103.9
100.3
92.0
85.4
76.1
80.1
66.2
70.3
59.8
57.5
60.7
64.7
• Q1 2015 net impairment charge of AED 1.1 Bn
Coverage ratio increased to 103.9%
49.4
43.4
13.8
14.3
13.9
13.8
13.5
12.6
4.3
4.0
3.6
3.5
3.5
3.1
7.9
7.8
9.5
10.3
10.3
10.2
10.0
9.5
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Impaired Loans and Impairment Allowances (AED Bn)
Impaired Loans
Q4 11
Q4 12
Q4 13
Q1 14 Q2 14
Q3 14
Q4 14
Q1 15
Impact of DW %
NPL ratio, excl. DW
Coverage ratio, excl. DW %
Coverage ratio, incl. DW %
Impairment Allowances
36.1
36.0
33.6
35.8
34.4
23.1
24.2
29.7
20.8
21.9
+4%
9.4
9.3
9.1
8.5
9.4
+1%
16.6
0.5
0.4-
-0.4-
-0.4
21.2
22.0
9.2
21.1
21.2
12.9
0.6
12.8
13.6
14.5
15.2
16.2
16.2
16.2
15.1
15.8
0.6-
16.4
16.9
9.9
13.6
15.3
15.4
7.0
3.7
3.7
3.8
1.4
3.6,0.3
3.8
3.8
2.1
3.8
3.9
3.9
3.9
0.5
2.9
4.9
6.5
6.6
6.4 0.2
6.1
5.3
0.4,0.1
5.2
0.5,0.1
3.6 0.2
3.8
0.2
3.4
3.8 0.1
0.5
4.2
0.1
4.5 0.1
4.2
4.3 0.3
0.4
-0.2
0.2
-0.2-
-0.25
-0.1
Q4 11
Q4 12
Q4 13
Q1 14
Q2 14
Q3 14
Q4 14
DW
Core Corporate
Q1 15
Retail
Q4 11 Q4 12
Q4 13
Q1 14
Q2 14
Q3 14
Q4 14
Q1 15
Islamic
Other Debt Securities
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