Emirates NBD Investor Presentation
Additional Asset Quality Disclosures (cont'd)
Credit Metrics
AED million
Q1 08 Q2 08 Q3 08 Q4 08 2008
Q1 09
Q2 09 Q3 09
Q4 09
2009
Q1 10
Q2 10
Q3 10
Q4 10
2010
Q1 11
Q2 11
Q3 11
Q4 11
2011
P&L Impairment Allowances:
Credit Specific
32
99
58
242
431
94
584
473
533
1,684
442
481
1,203
469
2,595
706
(57)
1,668 872
Credit - PIP
38
10
33
130
211
224
507
226
330
1,287
78
468
(338)
127
335
16
343
476
3,189
725 1,560
Other - PIP
200
300 (500)
612
638 (600) (650)
Investment Securities
193
140
207
471
1,011
144
58
64
82
348
35
44
76
105
260
35
57
27
102
221
Total Impairment
263
249
298
843
1,653
462
1,149
763
945
3,319
555
1,193
1,241 201 3,190
1,369
981 1,571 1,049 4,970
Allowances
Balance Sheet Impairment Allowances:
Credit - Specific
1,452 1,472
1,523
1,762
1,762
1,864
2,428
2,903 3,417
3,417
3,756
4,205
Credit - PIP
317
418
441
571
571
795
1,301 1,528 1,858
1,858
1,936
Other - PIP
-
5,404 5,864
2,403 2,066 2,193
200 500
Investment Securities
0
0
10
981
981
1,016 1,073
Total Impairment
1,769
1,890 1,973
3,314
3,314
3,675
4,802
1,068 673
5,499 5,947
673
411
326
268
265
265
270
267
5,864 6,554 6,481 8,128 8,905 8,905
2,193
2,209 2,552 3,028 3,752 3,752
612 1,250 650
263
240
240
5,947
6,103
7,133 8,238 8,322 8,322
9,645 10,550 12,069 12,897 12,897
Allowances
Impaired Loans:
Credit
Investment Securities
Total Impaired Loans
1,723 1,816 1,847 1,976
2,548 3,382 4,060 5,041
262 220 233 1,316 1,316 1,316 1,316 1,201 789
1,984 2,035 2,081 3,292 3,292 3,864 4,698
1,976
5,041
789
5,717
526
6,087 16,671 20,064 20,064 20,913 18,655 26,581 29,373 29,373
435
363 361 361 371 369 360
341
341
5,261 5,830 5,830 6,243 6,522 17,034 20,425 20,425 21,284 19,024 26,941 29,714 29,714
Loans & Receivables, gross of impairment allowances:
Credit
Investment Securities
174,508 187,115 202,267 209,870 209,870 215,729 219,102 220,427 218,994 218,994 216,936 210,089 208,608 203,886 203,886 203,520 203,140 207,931 215,535 215,535
3,145 2,720 2,587 2,374 2,374 2,344 2,332 2,183 1,569 1,569 1,122 791 775
660
660
569
567
576
502
502
Total Loans &
177,653 189,835 204,854 212,244 212,244 218,073 221,434 222,610 220,563 220,563 218,058 210,880 209,383 204,546 204,546 204,089 203,707 208,507 216,037 216,037
Receivables
Emirates NBD
50
50View entire presentation