Credit Quality and Financial Performance
Two years on from the crisis, the Bank is better positioned for the future
Capital Ratios - Basel II
Loan to Deposit Ratios
Liquid Assets
20.1%
7.3%
20.4%
Stronger
capital base
10.5%
2.0%
and liquidity
8.5%
9.7%
11.1%
12.8%
129.0% 109.0%
-9.5%
99.0%
88.0%
2008
2010
■Net Liquid Assets Ratio (%)
2008
2010
T1
T2
2008
2010
Stronger
Margins and Cost to Income Ratio
2.18%
2.52%
■Headline LTD (%) Adjusted LTD (%)
Income and costs (USD billion)
■Liquid Assets Ratio (%)
Distribution Network
income
generating
39.7%
ability and
improved
efficiency
Significantly
de-risking the
balance sheet
135
2.6
2.3
31.4%
120
0.9
0.8
2008
2010
2008
CI Ratio (%)
Impaired Loans
-NIM (%)
■Income
2010
Costs
Investments (USD billion)
5.3
10.0%
1.6%
2008
2010
Impaired Loans Ratio (%)
2008
2010
■Branches
Impairment Charge (USD billion)
1.0
0.2
0.5
4.1
0.8
0.3
0.8
0.4
0.2
2008
2010
2008
2010
Investment Securities
Associates
Credit ■Investments
Completed largest Financial Services Merger in the Region, with scalable new-generation platforms and
strong brand, culture and franchise
Emirates NBD
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