2016 2017 2018 2019 2020 2021
Financials Total Income
(AED Millions)
2,495 2,392 2,463 2,670 2,088 2,398
Net profit
(AED Millions)
106 702 924 1,061 (482) 823
Total assets
(AED Billions)
59.2 61.9 58.4 64.8 70.6 64.9
Financing - net
(AED Billions)
36.3 33.8 36.2 37.5 40.8 42.6
Deposits
(AED Billions)
41.1 41.8 41.6 45.3 46.9 47.3
Profitability Net profit margin 3.1% 2.8% 3.0% 3.2% 2.7% 2.6%
Cost-to-income ratio 43.7% 42.2% 46.8% 42.2% 51.9% 49.7%
Credit Quality NPL ratio 9.1% 10.3% 8.2% 7.6% 9.0% 8.2%
Coverage ratio 96.9% 92.2% 120.5% 119.8% 106.9% 115%
Capital & Liquidity Capital adequacy ratio 16.1% 17.4% 18.2% 20.7% 19.2% 19.7%
Tier 1 ratio 14.9% 16.2% 17.1% 19.5% 18.0% 18.6%
AD ratio (Headline) 88.3% 80.9% 86.9% 82.7% 87.1% 90.2%
AD ratio (Regulatory) 86.0% 75.5% 79.6% 78.2% 79.1% 85.5%