Emirates NBD Digital Banking Innovation Update
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Improving loans and deposit mix
Gross Loans by Type
All figures are in AED bn
-1%
475
459
463
463
457
DenizBank
79
65
65
66
66
EI*
47
47
50
52
52
Retail
54
56
59
61
63
Sovereign
158
152
139
124
114
Corporate
138
139
150
160
163
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
Deposits by Type
•
Highlights Income
Liquidity
Risk
Expenses
Capital
Divisional
10
Key Highlights
Gross lending ex. Sovereign grew up 12% (AED 36 bn) in 9M'22
Retail lending up 13% (AED 7 bn) with strong demand across all products
Corporate lending ex. Sovereign up 17% (AED 24 bn)
El Financing and Receivables up 11% (AED 5 bn)
DenizBank's gross loans up 2%, after FX
Deposit mix improved in 9M'22 with AED 18bn increase in CASA balance
despite rising interest rates reflecting strong liquidity
CASA represents 63% of total Group deposits
DenizBank's deposits up 59%% in 9M'22 in local currency
Gross Loans by Sector (%)
Net Loans by Geography (%)
All figures are in AED bn
+5%
7
481
467
469
468
Other 3% Agric. 1%
456
Manuf. 5%
DenizBank
78
70
79
73
69
Trans &
10
8
10
13
16
Other
117
134
124
118
114
Time
272
264
272
246
254
CASA
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
Services
11%
Trade 7%
Construction
& Hotels 5%
O
FI & Mgmt Cos
9%
Real estate 10%
Sovereign 25%
International 25%
GCC 2%
UAE 73%
Personal 24%
Gross Islamic Financing Net of Deferred Income
18View entire presentation