2015 2016 2017 2018 2019
Financials Total Income
(AED Millions)
2,432 2,495 2,392 2,463 2,670
Net profit
(AED Millions)
641 106 702 924 1,061
Total assets
(AED Billions)
53.2 59.2 61.9 58.4 64.8
Financing - net
(AED Billions)
34.2 36.3 33.8 36.2 37.5
Deposits
(AED Billions)
39.3 41.1 41.8 41.6 45.3
Profitability Net profit margin 3.8% 3.1% 2.8% 3.0% 3.2%
Cost-to-income ratio 40.4% 43.7% 42.2% 46.8% 42.2%
Credit Quality NPL ratio 8.8% 9.1% 10.3% 8.2% 7.6%
Coverage ratio 89.5% 96.9% 92.2% 120.5% 119.8%
Capital & Liquidity Capital adequacy ratio 13.2% 16.1% 17.4% 18.2% 20.7%
Tier 1 ratio 12.1% 14.9% 16.2% 17.1% 19.5%
AD ratio (Headline) 87.0% 88.3% 80.9% 86.9% 82.7%
AD ratio (Regulatory) 95.4% 86.0% 75.5% 79.6% 78.2%