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^Overview Highlights

Financial Highlights

Net profit (AED)

5.247 bn

+38% YoY

Return on average tangible equity¹

11.4%

2020: 8.3%

Return on average assets¹

1.19%

2020: 0.86%

CASA deposits (AED)

153 bn

+20% YoY

Operating expenses (AED)

4.257 bn

-6% YoY

Cost to income ratio

34.7%

2020: 36.3%

Net loans (AED)

244 bn

+2% YoY

Capital adequacy ratio (post proposed dividend)

15.97%

2020: 16.61%²

For ROATE/ROAA calculations, net profit attributable to equity shareholders is considered, i.e., net profit after deducting interest expense on Tier I capital notes
Post dividend payment

Non-Financial Highlights

1 mn+

Total customers

66

Net Promoter Score (NPS)

6,500+ total employees

80+ nationalities represented within the bank

54 total branches in the UAE

1,854 UAE nationals employed

989,000 subscribers to digital banking platforms

93 total digital releases

Recommended

A printed report displaying awards.

Awards

A year of memorable milestones.

Engaging with Our Stakeholders

The UAE has a confident, forward-looking spirit and is pressing ahead with a programme of...