Investor Presentaiton
Divisional Performance
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Islamic Banking
Operating Environment
Wealth Management
Retail Banking &
Emirates NBD
Retail loans grew 10% in 2015 whilst revenue grew
2% y-o-y due to a change in internal transfer
pricing
Loans grew 10% from end 2014 thanks to growth
in Auto Loans, Cards and Mortgages
Deposits declined 2% from end 2014 whereas
CASA balances grew by 5%
• The bank has improved its distribution as part of
its channel optimization strategy and
had 535 ATMs and 97 branches as at 30-Sep-15
RBWM offers an award winning 'best-in-class'
online and mobile banking solution with innovative
services such as DirectRemit, Mobile Cheque
Deposit and Smart Touch.
•
•
•
Islamic Banking revenue grew 17% y-o-y and 4%
q-o-q
Financing receivables grew 19% from end 2014
across a range of products
Customer accounts also increased by 16% from
end 2014
• Net Interest Income continued to grow on the back
of higher Financing Receivables
As at 30-Sep-15, El had 58 branches and an ATM
& CDM network of 180
Balance Sheet Trends
Revenue Trends
AED Bn
-2%
AED Mn
+2%
+10%
+2%
113.5
111.1
1,411
1,420
1,444
513
547
540
30.3
33.4
898
873
904
I
Q4 14
Loans
Q3 15
Deposits
Q3 14
Q2 15
Q3 15
NFI
NII
Balance Sheet Trends
AED Bn
Revenue Trends
AED Mn
+16%
+17%
+19%
+4%
36.6
33.2
553
575
31.5
492
27.9
138
144
112
380
409
437
Q4 14
Q3 15
Financing receivables
Customer accounts
Q3 14
I
Q2 15
Q3 15
NFI
NII
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