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Fact Sheet - 2012

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  • Quarter 4

    Full year trendQuarterly trend
    AED millionChange %Change %
    Income statement highlightsFY'12FY'11YoYQ4'12Q4'11YoY
    Total net interest and Islamic financing income5,2074,682111,2981,386(6)
    Non-interest income1,3881,387031223732
    Operating income6,5956,06991,6101,623(1)
    Operating expenses(2,069)(2,063)0(510)(548)(7)
    Operating profit before impairment allowances4,5264,006131,1001,0752
    Net impairment allowances(1,710)(2,398)(29)(402)(550)(27)
    Share of (loss)/profit of associates-159-(16)(9)NM-
    Net gain on sale of investment in associate-1,314----
    Overseas income tax expense(6)(36)(84)(2)(2)1
    Net profit for the period2,8103,045(8)68051432
    Balance sheet highlightsDec'12Sep'12Dec'11QoQ %

    Change
    YoY%

    Change
    Total assets180,796181,891183,726(1)(2)
    Net Loans123,195123,777124,755(0)(1)
    Deposits from customers109,217108,988109,17100
  • Quarter 3

    9 Month trendQuarterly trend
    AED millionChange %Change %
    Income statement highlights9M'129M'11YoYQ3'12Q3'11YoY
    Total net interest and Islamic financing income3,9093,296191,3311,335(0)
    Non-interest income1,0761,150(7)301364(17)
    Operating income4,9854,447121,6321,699(4)
    Operating expenses(1,559)(1,515)3(516)(528)(2)
    Operating profit before impairment allowances3,4262,931171,1151,171(5)
    Net impairment allowances(1,308)(1,848)(29)(529)(514)3
    Net gain on sale of investment in associate-1,314----
    Share of (loss)/profit of associates16168(90)9(8)(204)
    Overseas income tax expense(4)(34)(88)0(35)(101)
    Net profit for the period2,1312,531(16)5956133
    Balance sheet highlightsSep'12Jun'12Dec'11QoQ %



    Change
    YTD%



    Change
    Total assets181,891180,797183,7261(1)
    Net Loans123,777123,463124,7550(1)
    Deposits from customers*108,988111,247109,171(2)(0)
    *Deposits from customers were reclassified in June’12 to show Euro commercial paper separately
  • Quarter 2

    Half year trendQuarterly trend
    AED millionChange %Change %
    Income statement highlightsH1'12H1'11YoYQ2'12Q2'11YoY
    Total net interest and Islamic financing income2,5781,961311,3831,03634
    Non-interest income775787(2)386386(0)
    Operating income3,3532,748221,7691,42224
    Operating expenses(1,042)(987)6(537)(560)(4)
    Operating profit before impairment allowances2,3111,761311,23286243
    Net impairment allowances(779)(1,334)(42)(492)(935)(47)
    Net gain on sale of investment in associate-1,314NA-1,314-
    Share of (loss)/profit of associates8176(96)(5)91(105)
    Overseas income tax expense(4)1NM(3)3(202)
    Net profit for the period1,5351,918(20)7331,335(45)
    Balance sheet highlightsJun'12Mar'12Dec'11QoQ %

    Change
    YoY%

    Change
    Total assets180,797182,914183,726(1)(2)
    Net Loans123,463123,866124,755(0)(1)
    Deposits from customers*111,247112,829109,171(1)2
    *Deposits from customers have been reclassified to show Euro commercial paper separately
  • Quarter 1

    AED millionQ1’12Q4'11Q1'11Q4'11Q1'11
    Income statement highlightsQoQ %

    Change
    YoY%

    Change
    Total net interest and Islamic financing income1,1951,391926(14)29
    Non-interest income38923140068(3)
    Operating income1,5841,6231,326(2)19
    Operating expenses(506)(548)(427)(8)18
    Operating profit before impairment allowances1,0781,075899020
    Net impairment allowances(287)(549)(399)(48)(28)
    Share of (loss)/profit of associates12(9)84(236)(86)
    Overseas income tax expense(2)(2)(2)NMNM
    Net profit for the period8025145835638
    Balance sheet highlightsMar'12Dec'11Mar'11QoQ %

    Change
    YoY%

    Change
    Total assets182,914183,726180,705NM1
    Gross loans and advances129,786130,467126,101(1)3
    Deposits from customers114,462109,887109,13245

Click here to view 2011 Fact sheet

Click here to view 2010 Fact sheet

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