Investor Presentaiton
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
43
CAPITAL MANAGEMENT AND ALLOCATION (CONTINUED)
The capital overview as per Basel III framework is given below:
2021
AED 000
2020
AED 000
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
43
CAPITAL MANAGEMENT AND ALLOCATION (CONTINUED)
The capital adequacy ratios as per Basel III capital regulation are given below:
2021
AED 000
2020
AED 000
Available capital
Common equity tier 1 capital
Tier 1 capital
Total eligible capital
Risk-weighted assets
Credit risk
Market risk
Operational risk
67,463,976
76,592,628
81,504,429
Common Equity Tier 1 (CET1) Capital
67,134,947
77,514,733
82,434,262
Share Capital
6,316,598
6,316,598
Share premium account
17,954,164
17,954,164
Eligible reserves
(2,921,388)
2,710,530
392,944,100
10,945,304
393,562,281
Transitional arrangement: Partial addback of IFRS 9 ECL impact to
14,600,122
CET1
2,469,467
42,492,456
38,291,452
Retained earnings
53,088,213
2,002,738
47,014,778
Total risk-weighted assets
446,381,860
446,453,855
Dividend expected/proposed
(3,158,299)
(2,526,639)
2021
2020
Eligible amount of non-controlling interest
55,018
22,124
Capital Ratio
CET1 capital before the regulatory adjustments and
threshold deduction
73,803,773
73,494,293
a. Total capital ratio for consolidated Group
18.26%
18.46%
b. Tier 1 ratio only for consolidated Group
17.16%
17.36%
Less: Regulatory deductions
(6,339,797)
(6,359,346)
c. CET1 ratio only for consolidated Group
15.11%
15.04%
Total CET1 capital after the regulatory adjustments and
threshold deduction
67,463,976
67,134,947
Total CET1 capital after transitional arrangement for
deductions (CET1) (A)
67,463,976
67,134,947
Additional Tier 1 (AT1) Capital
Eligible AT1 capital
9,128,652
10,379,786
Other AT1 Capital (e.g. Share premium, non-controlling interest)
Total AT1 capital
9,128,652
Total AT1 capital after transitional arrangements (AT1) (B)
9,128,652
10,379,786
10,379,786
Tier 2 (T2) Capital
Tier 2 Instruments e.g. subordinated loan
Other Tier 2 capital (including General Provisions, etc.)
Total T2 Capital
4,911,801
4,919,529
4,911,801
4,919,529
Total T2 capital after transitional arrangements (T2) (C)
4,911,801
4,919,529
Total Regulatory Capital (A+B+C)
81,504,429
82,434,262
87
EMIRATES NBD BANK PJSC - GROUP CONSOLIDATED FINANCIAL STATEMENTS - FOR THE YEAR ENDED 31 DECEMBER 2021
88
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