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Fact Sheet - 2011

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  • Quarter 4

    Key financial figures (AED mn)20112010Change %Q4'11Q4'10Change %
    Total Assets183,726178,2713183,726178,2713
    Loans and advances, gross130,467129,0681130,467129,0681
    Customer deposits109,887106,1344109,887106,1344

    Key financial ratiosChange (bps)Change (bps)
    Cost to income ratio*33%31%20034%27%700
    Loan to deposit ratio114%116%-200114%116%-200
    Loans to stable resources92%91%10092%91%100
    Capital adequacy ratio22.51%16.65%58622.51%16.65%586
    Net interest margin3.10%2.57%533.60%2.79%81
    EPS (AED)0.510.04AED 0.470.090.07AED 0.02

    * Includes share of profit of associates but excludes net gain on sale of investment in associate
  • Quarter 3

    Key financial figures (AED mn)Q311Q310Variance
    Total Assets183,052175,8674%
    Loans and advances, net124,210120,3433%
    Customer deposits108,032100,6237%

    Key financial ratios
    Cost to income ratio*31%32%-100 bps
    Loan to deposit ratio115%120%-500 bps
    Loans to stable resources93%90%-300 bps
    Capital adequacy ratio22.18%15.95%623 bps
    Net interest margin3.47%2.43%104 bps
    EPS (AED)0.090.04

    * Includes share of profit of associates
  • Quarter 2

    Key financial figures (AED mn)Q211Q210Variance
    Total Assets179,343166,5998%
    Loans and advances, net117,430118,757-1%
    Customer deposits106,35196,83110%

    Key financial ratios
    Cost to income ratio*37%36%100 bps
    Loan to deposit ratio110%123%-1,300 bps
    Loans to stable resources87%91%-400 bps
    Capital adequacy ratio21.19%15.86%533 bps
    Net interest margin2.80%2.56%24 bps
    EPS (AED)0.24-0.09

    * Includes share of profit of associates
  • Quarter 1

    Key financial figures (AED mn)Q111Q110Variance
    Total Assets180,705163,70110%
    Loans and advances, net121,073117,23203%
    Customer deposits109,13290,13921%

    Key financial ratios
    Cost to income ratio30.28%28.46%182 bps
    Loan to deposit ratio110.94%130.06%-1,912 bps
    Loans to stable resources93.01%91.02%190 bps
    Capital adequacy ratio17.03%17.47%-44 bps
    Net interest margin2.52%2.59%-7 bps
    EPS (AED)

Click here to view 2010 Fact sheet

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