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Financial Growth Indicators | 6 months ended 30 June 2010 | 6 months ended 30 June 2009 | 6 months ended 30 June 2010 | 6 months ended 30 June 2009 | (AED in Millions) | (AED in Millions) | (USD in Millions) | (USD in Millions) | | | | | | Balance Sheet (AED in millions) | | | | | Loans and Advances, Net | 94,205.2 | 86,040.8 | 25,648.0 | 23,425.2 | Non-Trading Investments, Net | 16,436.2 | 11,301.6 | 4,474.9 | 3,076.9 | Total Assets | 131,528.0 | 118,644.3 | 35,809.4 | 32,301.7 | Customers Deposits | 88,428.3 | 83,724.7 | 24,075.2 | 22,794.6 | Shareholders Equity | 23,587.1 | 21,366.8 | 6,421.8 | 5,817.3 | | | | | | Income Statement (AED in millions) | | | | | Net interest income and income from Islamic Financing | 2,080.2 | 1,832.9 | 566.3 | 499.0 | Other income | 1,049.7 | 787.2 | 285.8 | 214.3 | Share of Profit of Associates | -3.6 | 12.1 | -1.0 | 3.3 | Total Operating Income | 3,126.3 | 2,632.2 | 851.1 | 716.6 | | | | | | General & Administrative Expenses | -513.9 | -550.2 | -139.9 | -149.8 | Provisions/ Impairments | -903.6 | -555.1 | -246.0 | -151.1 | Minority Interest | -2.0 | -1.3 | -0.5 | -0.4 | | | | | | Net Income (Equity holders of the Bank) | 1,706.8 | 1,525.6 | 464.7 | 415.3 | Basic & Diluted Earnings Per Share | AED 1.10 | AED 0.92 | USD 0.30 | USD 0.25 | | | | | | Ratios | | | | | Return on Average Assets - Annualised | 2.7% | 2.7% | 2.7% | 2.7% | Return on Average Equity - Annualised | 14.9% | 15.6% | 14.9% | 15.6% | Cost to Income Ratio | 16.4% | 20.9% | 16.4% | 20.9% | Non Interest Income / Total Income | 33.6% | 29.9% | 33.6% | 29.9% | Loans / Deposits Ratio | 106.5% | 102.8% | 106.5% | 102.8% |
Financial Growth Indicators | 3 months ended 31 March 2010 | 3 months ended 31 March 2009 | 3 months ended 31 March 2010 | 3 months ended 31 March 2009 | (AED in Millions) | (AED in Millions) | (USD in Millions) | (USD in Millions) | | | | | | Balance Sheet (AED in millions) | | | | | Loans and Advances, Net | 93,257.2 | 83,640.4 | 25,389.9 | 22,771.7 | Non-Trading Investments, Net | 14,519.2 | 11,567.4 | 3,953.0 | 3,149.3 | Total Assets | 132,771.7 | 109,417.2 | 36,148.0 | 29,789.6 | Customers Deposits | 89,431.8 | 75,743.5 | 24,348.4 | 20,621.7 | Shareholders Equity | 22,458.7 | 20,291.9 | 6,114.5 | 5,524.6 | | | | | | Income Statement (AED in millions) | | | | | Net interest income | 1,037.3 | 875.3 | 282.4 | 238.3 | Other income | 635.0 | 437.3 | 172.9 | 119.1 | Share of Profit of Associates | -13.2 | 6.0 | -3.6 | 1.6 | Total Operating Income | 1,659.1 | 1,318.6 | 451.7 | 359.0 | | | | | | General & Administrative Expenses | -246.2 | -292.7 | -67.0 | -79.7 | Provisions/ Impairments | -492.4 | -275.0 | -134.1 | -74.9 | Minority Interest | -0.8 | -0.6 | -0.2 | -0.2 | | | | | | Net Income (Equity holders of the Bank) | 919.7 | 750.3 | 250.4 | 204.2 | Basic & Diluted Earnings Per Share | AED 0.59 | AED 0.46 | USD 0.16 | USD 0.13 | | | | | | Ratios | | | | | Return on Capital - Annualised | 276.6% | 218.3% | 267.6% | 218.3% | Return on Average Assets - Annualised | 2.8% | 2.8% | 2.8% | 2.8% | Return on Average Equity - Annualised | 16.4% | 15.3% | 16.4% | 15.3% | Revenue to Expense Ratio | 6.7 | 4.5 | 6.7 | 4.5 | Non Interest Income / Total Income | 38.3% | 33.2% | 38.3% | 33.2% | Loans / Deposits Ratio | 104.3% | 110.4% | 104.3% | 110.4% |
Financial Growth Indicators | 2009 | 2008 | 2009 | 2008 | (AED in Millions) | (AED in Millions) | (USD in Millions) | (USD in Millions) | | | | | | Balance Sheet (AED in millions) | | | | | Loans and Advances, Net | 90,385.9 | 79,363.0 | 24,608.2 | 21,607.1 | Non-Trading Investments, Net | 13,482.0 | 9,979.6 | 3,670.6 | 2,717.0 | Total Assets | 125,472.5 | 107,521.7 | 34,160.8 | 29,273.5 | Customers Deposits | 86,421.9 | 73,962.7 | 23,529.0 | 20,136.9 | Shareholders Equity | 22,902.8 | 16,619.6 | 6,235.4 | 4,524.8 | | | | | | Income Statement (AED in millions) | | | | | Net interest income | 3,833.7 | 2,580.5 | 1,043.8 | 702.6 | Other income | 2,301.2 | 1,961.0 | 626.5 | 533.9 | Share of Profit of Associates | 29.0 | 156.9 | 7.9 | 42.7 | Total Operating Income | 6,164.0 | 4,698.4 | 1,678.2 | 1,279.2 | | | | | | General & Administrative Expenses | -1,080.6 | -1,134.9 | -294.2 | -309.0 | Provisions/ Impairments | -1,770.5 | -566.3 | -482.0 | -154.2 | Minority Interest | -2.6 | 8.0 | -0.7 | 2.2 | | | | | | Net Income (Equity holders of the Bank) | 3,310.3 | 3,005.2 | 901.3 | 818.2 | Basic & Diluted Earnings Per Share | AED 2.06 | AED 2.05 | USD 0.56 | USD 0.56 | | | | | | Ratios | | | | | Return on Capital | 240.8% | 218.6% | 240.8% | 218.6% | Return on Average Assets | 2.8% | 3.3% | 2.8% | 3.3% | Return on Average Equity | 16.8% | 22.5% | 16.8% | 22.5% | Revenue to Expense Ratio | 5.7 | 4.1 | 5.7 | 4.1 | Non Interest Income / Total Income | 37.8% | 45.1% | 37.8% | 45.1% | Loans / Deposits Ratio | 104.6% | 107.3% | 104.6% | 107.3% |
Growth Indicators | 9 months ended 30 September 2009 | 9 months ended 30 September 2008 | 9 months ended 30 September 2009 | 9 months ended 30 September 2008 | (AED in Millions) | (AED in Millions) | (USD in Millions) | (USD in Millions) | | | | | | Balance Sheet (AED in millions) | | | | | Loans and advances, Net | 90,013.8 | 75,991.4 | 24,506.7 | 20,689.2 | Non-Trading Investments, Net | 12,287.9 | 10,982.3 | 3,345.5 | 2,990.0 | Total assets | 124,321.2 | 103,914.6 | 33,847.3 | 28,291.5 | Customers deposits | 89,365.1 | 66,679.5 | 24,330.3 | 18,154.0 | Shareholders Equity | 22,124.5 | 16,138.4 | 6,023.6 | 4,393.8 | | | | | | Income Statement (AED in millions) | | | | | Net interest income | 2,818.0 | 1,800.7 | 767.2 | 490.3 | Other income | 1,478.9 | 1,483.6 | 402.6 | 403.9 | Share of profit of associates | 23.3 | 141.9 | 6.3 | 38.6 | Total Operating income | 4,320.2 | 3,426.2 | 1,176.1 | 932.8 | | | | | | General & Administrative expenses | -798.5 | -724.1 | -217.4 | -197.1 | Provisions/ Impairments | -1,065.2 | -368.2 | -290.0 | -100.2 | Minority Interest | -1.0 | 0.0 | -0.3 | 0.0 | | | | | | Net Income | 2,455.5 | 2,333.9 | 668.7 | 635.5 | | | | | | Basic & Diluted Earnings Per Share | AED 1.52 | AED 1.66 | USD 0.41 | USD 0.45 | | | | | | Ratios | | | | | Return on Capital | 238.1% | 226.3% | 238.1% | 226.3% | Return on Average Assets | 2.8% | 3.5% | 2.8% | 3.5% | Return on Average Equity | 16.6% | 23.3% | 16.6% | 23.3% | Revenue to Expense Ratio | 5.4 | 4.7 | 5.4 | 4.7 | Non Interest Income / Total Income | 34.8% | 47.4% | 34.8% | 47.4% | Loans / Deposits Ratio | 100.7% | 114.0% | 100.7% | 114.0% |
Growth Indicators | 3 months ended 30 September 2009 | 3 months ended 30 September 2008 | 3 months ended 30 September 2009 | 3 months ended 30 September 2008 | (AED in Millions) | (AED in Millions) | (USD in Millions) | (USD in Millions) | Balance Sheet (AED in millions) | | | | | Loans and advances, Net | 90,013.8 | 75,991.4 | 24,506.7 | 20,689.2 | Non-Trading Investments, Net | 12,287.9 | 10,982.3 | 3,345.5 | 2,990.0 | Total assets | 124,321.2 | 103,914.6 | 33,847.3 | 28,291.5 | Customers deposits | 89,365.1 | 66,679.5 | 24,330.3 | 18,154.0 | Shareholders Equity | 22,124.5 | 16,138.4 | 6,023.6 | 4,393.8 | | | | | | Income Statement (AED in millions) | | | | | Net interest income | 985.2 | 753.2 | 268.2 | 205.1 | Other income | 691.7 | 390.3 | 188.3 | 106.3 | Share of profit of associates | 11.2 | 43.3 | 3.0 | 11.8 | Total Operating income | 1,688.1 | 1,186.8 | 459.5 | 323.2 | | | | | | General & Administrative expenses | -248.3 | -267.3 | -67.6 | -72.8 | Provisions/ Impairments | -510.1 | -69.4 | -138.9 | -18.9 | Minority Interest | 0.3 | 0.0 | 0.1 | 0.0 | |
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