2016 2017 2018 2019 2020
Financials Total Income
(AED Millions)
2,495 2,392 2,463 2,670 2,088
Net profit
(AED Millions)
106 702 924 1,061 (482)
Total assets
(AED Billions)
59.2 61.9 58.4 64.8 70.6
Financing - net
(AED Billions)
36.3 33.8 36.2 37.5 40.8
Deposits
(AED Billions)
41.1 41.8 41.6 45.3 46.9
Profitability Net profit margin 3.1% 2.8% 3.0% 3.2% 2.7%
Cost-to-income ratio 43.7% 42.2% 46.8% 42.2% 51.9%
Credit Quality NPL ratio 9.1% 10.3% 8.2% 7.6% 9.0%
Coverage ratio 96.9% 92.2% 120.5% 119.8% 106.9%
Capital & Liquidity Capital adequacy ratio 16.1% 17.4% 18.2% 20.7% 19.2%
Tier 1 ratio 14.9% 16.2% 17.1% 19.5% 18.0%
AD ratio (Headline) 88.3% 80.9% 86.9% 82.7% 87.1%
AD ratio (Regulatory) 86.0% 75.5% 79.6% 78.2% 79.1%