Central Bank Of United Arab Emirates Monthly Statistical Bulletin - October 2017

Transcription

1. ‫النشرة االحصائية الشهرية‬ - ‫ البيانات المصرفية والنقدية‬2017 ‫اكتوبر‬ Monthly Statistical Bulletin - Banking & Monetary Statistics October 2017
2. Contents ‫الصفحات‬ PAGES Tables 1. Selected Monetary and Banking Indicators 4 2. Monetary Survey 5 3. Monthly Changes in Factors Affecting Money Supply 6 4. UAE Monetary Base (Monthly) 7 5. Central Bank of the UAE Balance Sheet 8 6. Central Bank International Reserves 9 7. Aggregated Balance Sheet of Banks - Assets 10 8. Aggregated Balance Sheet of Banks - Liabilities 11 9. Aggregated Memoranda Accounts of Banks 12 10. Banks' Foreign Assets and Liabilities 13 11. Domestic Credit 14 12. Bank Credit to Residents by Economic Activity ( Quarterly ) 15 13. Deposits distributed Residents / Non Residents 16 14. Deposits by Type and Currency 17 15. Time deposits by Maturity 18 16. Currency Issued 19 17. Cleared Cheques Statistics 20
3. Contents (Contd) Note: Data are as at end of period unless otherwise indicated. Abbreviations & Notations UAE Dirhams AED Not Available (..) Zero or Insignificant (-) Local Currency LCY Foreign Currency FCY Definitions Gross International Reserves : Gross International Reserves , defined as the sum of Deposits , Held to Maturity Foreign Securities , IMF Reserves & SDR Holdings and Other Foreign Assets Money Supply (M1) : Consists of currency in circulation outside banks plus monetary deposits in local currency with banks (all short-term deposits on which bank customer can withdraw without prior notice) Money Supply (M2) : Consists of Money Supply (M1) plus quasi-monetary deposits (Resident Time and Savings Deposits in Dirham + Resident Deposits in foreign currencies) Money Supply (M3) : Consists of Money Supply (M2) plus Government deposits Certificates of Deposits : Certificates issued by the Central Bank and sold only to banks to absorb excess liquidity with the latter and are also used as an indicator to determine domestic interest rates Government: of the seven emirates.
4. ‫الجداول‬ ‫‪TABLES‬‬
5. Table 1 : Selected Monetary and Banking Indicators (In Millions of AEDs) 2013 Dec 2014 Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Jul Aug Sep Total Assets/Liabilities 305,534 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 364,453 379,488 391,957 385,112 390,300 396,605 377,077 Gross International Reserves * 250,532 288,247 273,449 278,773 271,306 345,147 309,008 316,871 304,371 313,610 327,697 341,132 333,992 341,883 346,983 324,877 Indicator 2015 2016 2017 Oct *** Central Bank of the UAE Money Supply Indicators Money Supply M1 379,550 436,132 456,899 464,176 453,658 456,934 490,309 481,015 472,502 474,054 504,447 507,025 497,541 493,266 488,839 492,020 Money Supply M2 1,042,904 1,125,429 1,162,560 1,174,248 1,158,310 1,186,819 1,218,494 1,180,418 1,200,271 1,225,452 1,272,246 1,267,052 1,264,411 1,245,559 1,257,128 1,244,100 Money Supply M3 1,204,376 1,314,519 1,346,045 1,337,657 1,322,068 1,342,879 1,373,888 1,364,776 1,368,679 1,411,339 1,465,828 1,463,070 1,459,071 1,450,688 1,457,922 1,467,263 2,124,062 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,613,611 2,648,293 2,654,327 2,633,714 2,618,979 2,643,207 2,639,115 -3,819 2,352 24,491 -10,259 -33,983 -89,820 -56,095 -70,846 -69,666 -50,079 -31,282 -25,407 -18,336 -29,590 -20,488 -5,326 409,774 491,902 521,307 530,221 515,777 496,450 505,853 514,367 513,091 546,890 553,018 530,504 549,667 541,906 563,218 563,555 Banks Total Assets Foreign Assets (Net) Foreign Assets Foreign Assets to Total Assets (%) 19.3% 21.3% 21.9% 21.9% 21.3% 20.0% 20.3% 20.4% 20.1% 20.9% 20.9% 20.0% 20.9% 20.7% 21.3% 21.4% 413,593 489,550 496,816 540,480 549,760 586,270 561,948 585,213 582,757 596,969 584,300 555,911 568,003 571,496 583,706 568,881 Foreign Liabilities to Total Liabilities (%) Deposits 1 19% 1,278,852 21% 1,421,231 21% 1,449,298 22% 1,444,306 23% 1,436,780 23% 1,471,618 22% 1,502,669 23% 1,493,055 23% 1,508,710 23% 1,562,949 22% 1,602,011 21% 1,589,139 22% 1,592,227 22% 1,582,230 22% 1,595,803 22% 1,600,386 Residents 1,163,872 1,267,279 1,301,325 1,288,593 1,278,255 1,300,126 1,325,155 1,315,942 1,321,820 1,363,899 1,413,021 1,409,283 1,407,469 1,399,896 1,407,505 1,416,483 472,876 517,415 530,403 544,811 553,813 563,100 571,428 565,690 576,394 592,181 593,486 575,424 582,445 573,178 588,818 587,286 114,980 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 199,050 188,990 179,856 184,758 182,334 188,298 183,903 49,187 62,599 61,832 61,043 65,857 72,807 78,706 80,702 84,460 88,352 84,003 80,304 78,213 74,271 82,531 82,389 1,203,317 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,454,414 1,472,408 1,456,842 1,461,657 1,442,585 1,447,060 1,451,441 910,162 958,373 973,160 999,972 1,022,997 1,043,202 1,054,947 1,069,964 1,084,074 1,094,631 1,100,739 1,100,067 1,102,222 1,084,748 1,090,133 1,094,955 23 841 89 29 23 869 90 34 23 871 90 31 23 873 90 32 23 875 90 34 23 874 90 37 23 874 90 39 23 862 86 33 23 857 85 32 23 846 76 33 23 834 72 35 23 816 61 36 23 816 61 36 23 805 61 35 23 810 58 36 23 795 58 36 32 28 4 87 1 52 33 26 7 86 1 48 34 26 8 86 1 48 34 26 8 86 1 48 34 26 8 86 1 45 34 26 8 86 1 40 35 26 9 85 1 41 35 26 9 86 1 42 36 26 10 85 1 41 37 26 11 85 1 31 37 26 11 85 1 29 37 26 11 85 1 29 37 26 11 85 1 30 37 26 11 85 1 28 38 26 12 85 1 28 39 27 12 85 1 28 Foreign Liabilities of which: Corporate Non-Residents of which: Corporate Bank Credit (Domestic) of which: Credit to Private Sector ** Total Number of National Banks and Branches Head Offices Branches Pay Offices Electronic Banking Service Units Total Number of Foreign Banks and Branches Head Offices 2 of which: Full Fledged Commercial Banks of which: Licensed Wholesale Banks Branches Pay Offices Electronic Banking Service Units Number of Employees in Banks (UAE) 3 36,087 39,051 39,194 38,560 38,722 40,159 38,912 38,134 37,283 37,547 36,958 36,351 36,351 36,351 36,083 36,083 Employed with National Banks 3 28,165 31,152 31,291 30,786 30,906 32,352 31,173 30,583 29,754 29,532 29,504 28,986 28,986 28,986 28,767 28,767 Employed with Foreign Banks 3 7,922 7,899 7,903 7,774 7,816 7,807 7,739 7,551 7,529 7,439 7,454 7,365 7,365 7,365 7,316 7,316 1 Excluding Inter-Bank Deposits 2 Revised to include number of licensed Wholesale Banks in UAE 3 Excluding Auxiliary Staff. Data Subject to Revision on Quarterly Basis * Central Bank International Reserves = Deposits + Held-to-Maturity Foreign Securities + IMF Reserves and SDR Holdings + Other Foreign Assets ** Including Claims on Other Financial Institutions *** Preliminary
6. Table 2 : Monetary Survey (In Millions of AEDs) Item Net International Reserves Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Foreign Assets Foreign Liabilities Net Domestic Assets Claims on Private Sector Net Claims on Government Claims on Official Entities Claims on Nonbank Financial Institutions Capital and Reserves Other Items (net) Money Supply M 1 Currency in Circulation Outside Banks Monetary Deposits Money Supply M 2 Quasi - Money 2013 2014 Dec Dec 2015 Mar 290,042 265,551 273,449 7,898 24,491 521,307 496,816 Jun 260,171 270,430 278,773 8,343 -10,259 530,221 540,480 2016 Sep 228,534 262,517 271,306 8,789 -33,983 515,777 549,760 Dec 246,402 336,222 345,147 8,925 -89,820 496,450 586,270 Mar 243,892 299,987 309,008 9,021 -56,095 505,853 561,948 Jun 229,569 300,415 316,871 16,456 -70,846 514,367 585,213 2017 Sep 227,660 297,326 304,371 7,045 -69,666 513,091 582,757 Dec 258,816 308,895 313,610 4,715 -50,079 546,890 596,969 Mar 289,827 321,109 327,697 6,588 -31,282 553,018 584,300 Jun 310,600 336,007 341,132 5,125 -25,407 530,504 555,911 Jul 309,161 327,497 333,992 6,495 -18,336 549,667 568,003 Aug 306,153 335,743 341,883 6,140 -29,590 541,906 571,496 Sep 321,698 342,186 346,983 4,797 -20,488 563,218 583,706 Oct * 243,318 247,137 250,532 3,395 -3,819 409,774 413,593 282,605 280,253 288,247 7,994 2,352 491,902 489,550 314,889 320,215 324,877 4,662 -5,326 563,555 568,881 799,586 860,011 47,578 178,055 91,888 -265,972 -111,974 842,824 959,046 21,498 196,737 42,352 -287,843 -88,966 379,550 436,132 456,899 464,176 453,658 456,934 490,309 481,015 472,502 474,054 504,447 507,025 497,541 493,266 488,839 50,408 59,016 56,212 58,827 57,230 58,391 61,830 64,457 61,789 62,262 65,448 67,351 64,726 65,874 64,345 65,086 329,142 377,116 400,687 405,349 396,428 398,543 428,479 416,558 410,713 411,792 438,999 439,674 432,815 427,392 424,494 426,934 872,518 914,077 929,776 940,417 974,602 950,849 972,611 966,636 982,419 956,452 955,250 939,406 935,430 929,211 974,890 1,003,449 1,025,116 1,040,059 1,051,577 1,074,750 1,089,021 1,100,058 1,103,656 1,103,675 1,104,376 1,086,789 1,091,840 1,094,499 36,655 61,818 61,262 68,324 71,854 42,913 63,211 56,196 57,179 52,999 55,901 66,481 70,437 50,970 202,347 201,038 212,660 204,886 215,707 226,265 226,170 224,733 232,504 218,453 218,873 215,912 214,332 221,488 43,440 42,832 44,756 49,310 50,269 44,422 44,201 29,825 30,325 29,442 30,898 31,123 32,134 33,977 -284,483 -291,865 -296,629 -306,490 -298,444 -310,626 -319,453 -328,800 -319,343 -323,804 -342,146 -345,453 -348,215 -351,590 -100,331 -103,195 -117,389 -115,672 -116,361 -126,875 -130,539 -115,376 -121,902 -124,313 -112,652 -115,446 -125,098 -120,133 492,020 1,042,904 1,125,429 1,162,560 1,174,248 1,158,310 1,186,819 1,218,494 1,180,418 1,200,271 1,225,452 1,272,246 1,267,052 1,264,411 1,245,559 1,257,128 1,244,100 663,354 689,297 705,661 710,072 704,652 729,885 728,185 699,403 727,769 751,398 767,799 760,027 766,870 752,293 768,289 752,080 Foreign Currency Deposits 193,966 214,336 233,097 233,285 238,173 245,127 245,129 230,173 255,758 270,838 278,393 269,448 269,215 254,570 267,580 255,176 Dirham Deposits 469,388 474,961 472,564 476,787 466,479 484,758 483,056 469,230 472,011 480,560 489,406 490,579 497,655 497,723 500,709 496,904 Money Supply M 3 Government Deposits * Preliminary 1,204,376 1,314,519 1,346,045 1,337,657 1,322,068 1,342,879 1,373,888 1,364,776 1,368,679 1,411,339 1,465,828 1,463,070 1,459,071 1,450,688 1,457,922 1,467,263 161,472 189,090 183,485 163,409 163,758 156,060 155,394 184,358 168,408 185,887 193,582 196,018 194,660 205,129 200,794 223,163
7. Table 3 : Monthly Changes in Factors Affecting Money Supply (In Millions of AEDs) 2014 Item Dec** Net International Reserves Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Foreign Assets Foreign Liabilities Net Domestic Assets Claims on Private Sector Net Claims on Government Claims on Official Entities Claims on Nonbank Financial Institutions Capital and Reserves * Other Items (net) * Money Supply M1 Currency in Circulation Outside Banks Monetary Deposits Money Supply M2 Quasi - Money Foreign Currency Deposits Dirham Deposits Money Supply M3 Government Deposits -26,776 2015 Mar** Jun** 2016 Sep** 7,437 -29,871 -31,637 Dec*** Mar*** Jun*** Sep*** Dec*** 371 -5,020 2,232 -14,702 4,879 -7,913 54,882 3,625 -14,798 5,324 -7,467 56,203 1,393 -29,008 21,226 50,234 41,559 15,699 28,559 21,667 25,163 -556 -1,309 11,622 -608 1,924 -7,382 -4,764 -2,864 -14,194 Jul*** Aug*** Sep*** -3,082 -155 -1,439 -3,008 7,443 2,599 25,490 16,337 17,011 -8,510 8,246 164 17,536 2,265 25,728 17,042 15,947 -7,140 7,891 5,100 -22,106 1,370 -355 7,071 -11,254 19,163 -7,761 12,092 3,493 -1,343 -135 9,102 15,162 21,312 337 12,210 -14,825 31,107 -7,307 -1,202 -15,844 2,943 -4,427 701 -17,587 8,134 16,317 2,902 10,580 3,838 -4,569 420 -2,961 183 -2,396 1,456 225 12,646 -83 -18,342 -3,307 3,363 -12,149 11,661 -2,794 -3,976 -6,219 5,051 2,659 3,956 -19,467 -1,580 7,156 1,011 1,843 -2,762 -3,375 -9,652 4,965 15,472 2,824 238 705 -1,064 -9,688 -19,419 -17,166 16,251 4,828 -25,201 25,939 24,247 -8,035 21,383 29,304 -7,276 16,689 -3,242 2,880 5,539 15,851 8,352 9,263 9,657 660 -1,588 7,568 -7,560 -1,747 767 2,485 4,865 -5,992 -1,519 747 -6,809 1,039 -15,709 -5,472 11,155 -7,282 -2,278 -5,980 17,584 10,436 -9,933 -2,857 22,736 -415 15,939 -7,920 1,755 -2,804 2,615 -421 3,320 5,246 23,571 37,131 427 1,454 -813 1,444 15,545 Oct*** 15,802 7,277 -10,518 -1,597 Jun*** -328 20,767 4,662 -8,921 11,688 -15,938 Mar*** 1,257 -96 445 446 1,321 -2,660 10,093 -334 22,139 -34,750 -23,724 -54,511 -7,844 -6,186 -2,927 29,405 8,914 -14,444 -22,872 15,539 11,753 12,696 7,266 43,664 9,280 31,639 23,383 17,939 15,623 32,022 29,694 -22,622 15,844 19,746 15,157 769 5,610 -1,540 1,088 -8,948 3,360 44,617 -11,365 5,075 2017 -6,809 6,443 -21,971 2,641 -9,484 -4,275 -4,427 3,181 -2,625 1,148 -1,529 741 96 -553 896 190 6 15,512 -9,374 -909 21,754 24,284 -6,019 16,361 1,997 12,560 14,576 28,025 2,451 -7,462 -6,859 -5,423 -2,641 -18,852 -2,898 2,440 11,569 -13,028 12,553 -10,103 6,843 -14,577 15,996 -16,209 -233 -14,645 13,010 -12,404 171 16,364 4,411 -5,420 22,169 8,345 1,901 17,174 11,116 -8,995 18,761 188 4,888 14,829 -299 5,620 15,339 7,625 3,191 -6,481 9,166 -2,397 4,223 -10,308 7,340 1,835 3,491 9,362 -3,622 7,076 68 2,986 -3,805 -12,069 31,526 -8,388 -15,589 10,567 22,130 -6,566 11,562 25,532 23,314 -24,575 -3,999 -8,383 7,234 9,341 -17,315 -5,605 -20,076 12,972 -4,711 -17,113 -1,358 10,469 -4,335 22,369 *( - ) Indicates an Increase and ( + ) Indicates a Decrease **Indicates Changes from End of Previous Quarter ***Indicates Change from the previous month 8,644 -3,719 349 -11,187 -2,154 -547 -4,799
8. Table 4 . UAE Monetary Base (Monthly) (End of period, billions of Dirhams) Components of Monetary Base Year Monetary Base Currency Issued * Reserve Requirements Banks & OFCs Current Accounts at CBUAE Certificates of Deposit 2013 March June September December 253.3 255.7 259.3 281.8 59.4 59.4 60.5 63.9 72.9 78.7 82.4 87.8 16.2 20.6 21.4 22.2 104.8 97.0 95.0 107.9 March June September December 297.8 308.9 311.5 309.2 65.3 67.8 70.8 74.5 91.4 98.6 103.7 104.1 21.9 16.8 18.8 31.1 119.2 125.7 118.2 99.5 March June September December 304.4 302.4 295.3 365.2 69.3 72.5 71.0 73.5 105.6 109.5 110.6 111.9 17.8 19.1 16.3 40.0 111.7 101.3 97.4 139.8 January February March April May June July August September October November December 315.9 326.2 329.5 324.5 326.4 328.6 320.8 324.3 325.5 313.7 313.6 338.1 73.1 75.3 77.2 76.1 76.6 81.3 76.2 76.9 77.3 76.5 78.0 77.6 113.9 114.1 113.5 115.6 117.1 118.5 119.9 118.2 118.2 116.0 116.3 116.9 25.7 20.3 23.4 25.9 24.2 19.7 21.6 28.1 26.2 22.4 23.2 35.4 103.2 116.5 115.4 106.9 108.5 109.1 103.1 101.1 103.8 98.8 96.1 108.2 January February March April May June July August September October ** 325.4 336.3 351.5 342.2 354.5 355.0 356.0 361.8 358.7 348.9 77.2 77.5 80.1 78.3 82.0 83.9 79.1 82.6 78.3 79.3 116.8 118.7 119.9 120.5 122.5 125.5 124.6 129.9 122.4 122.6 24.1 28.2 36.2 28.3 35.9 42.8 41.3 35.2 31.4 28.3 107.3 111.9 115.3 115.1 114.1 102.8 111.0 114.1 126.6 118.7 2014 2015 2016 2017 * Currency Issued = currency in circulation plus cash at banks ** Preliminary `
9. Table 5 : Central Bank of the UAE Balance Sheet (In Millions of AEDs) Item As at 31.12.2013 As at 31.12.2014 As at 31.03.2015 As at 30.06.2015 As at 30.09.2015 As at 31.12.2015 As at 31.03.2016 As at 30.06.2016 As at 30.09.2016 As at 31.12.2016 As at 31.03.2017 As at 30.06.2017 As at 31.07.2017 As at 31.08.2017 As at 30.09.2017 As at * 31.10.2017 Assets Cash and Bank Balances Gold Bullion Deposits Certificates of Deposit Under Repo Liquidity Support Facility Held to Maturity Foreign Securities Held to Maturity Securities-Issued by Ministry of Finance & Dubai Government Other Assets Property & Equipment 14,591 42,001 42,409 40,708 66,883 78,611 46,029 55,656 65,037 90,149 88,061 133,518 131,357 131,845 139,941 - - - 347 664 940 1,085 1,164 1,171 1,015 1,099 1,101 1,121 1,153 1,135 139,172 1,129 99,926 76,917 70,057 92,880 98,241 96,362 91,260 65,319 67,467 61,698 95,687 97,699 103,666 111,072 108,134 95,742 - - - 6,000 - - - - - - - - - - 350 - 514 321 321 321 228 228 214 214 200 200 200 200 200 200 200 200 128,263 157,753 159,947 145,574 107,078 164,495 167,508 192,094 168,988 149,337 140,487 104,334 95,002 95,022 94,318 84,383 49,443 49,443 49,443 49,231 49,231 49,198 49,198 49,165 49,165 49,165 49,165 49,165 49,165 49,165 49,165 4,280 1,903 1,722 3,709 3,568 1,001 1,507 12,790 4,696 5,857 4,520 1,415 3,633 7,208 55,361 6,781 10,875 97 79 78 85 78 79 113 103 93 99 93 83 81 78 79 78 305,534 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 364,453 379,488 391,957 385,112 390,300 396,605 377,077 129,367 134,105 145,303 119,150 115,166 199,681 198,254 262,631 211,456 188,892 179,903 192,768 215,241 194,384 193,488 206,468 Current Accounts & Deposits 111,973 142,168 129,404 135,394 132,727 157,031 140,363 140,351 146,920 154,775 159,330 171,177 169,194 167,649 157,076 153,840 Certificates of Deposit 107,896 99,534 111,759 101,335 97,365 139,773 115,394 109,083 103,797 108,193 115,301 102,859 111,006 114,102 126,640 118,735 63,927 74,472 69,353 72,550 71,047 73,522 77,208 81,317 77,267 77,551 80,130 83,878 79,101 82,638 78,281 79,259 495 1,387 2,191 2,170 3,187 3,111 5,646 13,536 5,175 2,964 3,672 12,968 4,713 4,782 13,488 4,129 284,291 317,561 312,707 311,449 304,326 373,437 338,611 344,287 333,159 343,483 358,433 370,882 364,014 369,171 375,485 355,963 Total Assets Off Balance Sheet Commitments Liabilities Currency Issued Other Liabilities Total Liabilities Capital and Reserves Authorized,Issued & Fully Paid Capital General Reserve Other Reserve Retained Earnings Total Capital & Reserves 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 15,503 17,339 17,339 17,339 17,339 17,812 17,812 17,812 17,812 18,486 18,486 18,486 18,486 18,486 18,486 18,486 143 -11 -11 -27 -40 -94 52 150 157 -16 69 89 112 143 134 128 - - - - - - - - - 3,097 - - - - - - 21,243 19,828 19,828 19,812 19,799 20,218 20,364 20,462 20,469 20,970 21,055 21,075 21,098 21,129 21,120 21,114 Total Liabilities and Capital 305,534 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 364,453 379,488 391,957 385,112 390,300 396,605 377,077 Off Balance Sheet Commitments 129,367 134,105 145,303 119,150 115,166 199,681 198,254 262,631 211,456 188,892 179,903 192,768 215,241 194,384 193,488 206,468 - Not Available * Preliminary
10. Table 6 : Central Bank International Reserves ( in Billions of Dirhams) Period Current Account Balances & Deposits with Banks Abroad Held-to-Maturity Foreign Securities IMF Reserves Position + SDR Holdings Other Foreign Assets Gross International Reserves Foreign Liabilities Net International Reserves 2013 March June September December 91.89 113.67 112.55 108.05 97.78 99.74 131.05 128.27 4.33 4.38 4.54 4.60 4.53 2.17 3.68 9.58 198.53 219.96 251.82 250.50 3.39 3.32 4.93 3.39 195.14 216.64 246.89 247.11 March June September December 103.95 110.25 124.35 115.48 152.43 156.37 146.76 157.75 4.61 4.63 4.44 4.34 5.14 3.59 9.07 10.68 266.13 274.84 284.62 288.25 3.92 6.32 6.60 7.99 262.21 268.52 278.02 280.26 March June September December 105.49 124.63 156.38 171.79 159.95 145.57 107.08 164.50 4.13 4.22 4.21 4.05 3.89 4.36 3.64 4.82 273.45 278.78 271.31 345.16 7.90 8.34 8.79 8.92 265.55 270.44 262.52 336.24 January February March April May June July August September October November December 122.19 134.07 132.76 120.74 108.22 116.86 123.46 118.23 126.96 123.86 114.40 147.85 168.41 166.93 167.51 197.48 181.59 192.09 186.44 174.44 168.99 162.84 154.97 149.34 4.03 2.77 2.82 2.84 2.81 2.81 2.79 2.80 2.80 2.76 2.72 2.70 6.27 5.07 5.92 5.53 6.71 5.10 5.44 6.64 5.62 8.38 15.79 13.72 300.90 308.84 309.01 326.59 299.33 316.86 318.13 302.11 304.37 297.84 287.88 313.61 7.05 11.68 9.02 15.89 6.36 16.45 14.52 7.38 7.04 4.96 4.48 4.71 293.85 297.16 299.99 310.70 292.97 300.41 303.61 294.73 297.33 292.88 283.40 308.90 129.85 149.01 178.83 170.39 215.66 227.65 230.14 237.97 241.54 228.72 54.7% 152.21 153.10 140.49 140.83 101.46 104.33 95.00 95.02 94.32 84.38 -43.5% 2.72 2.71 2.72 2.75 2.78 2.79 2.82 2.83 2.83 2.82 4.4% 8.69 5.83 5.66 6.22 5.29 6.36 6.03 6.06 8.29 8.96 293.47 310.65 327.70 320.19 325.19 341.13 333.99 341.88 346.98 324.88 3.6% 5.57 5.88 6.59 5.78 6.19 5.13 6.49 6.14 4.79 4.66 287.90 304.77 321.11 314.41 319.00 336.00 327.50 335.74 342.19 320.22 -1.1% 3.7% 2014 2015 2016 2017 January February March April May June July August September October * Change for the year * Preliminary -34.7%
11. Table 7 : Aggregated Balance Sheet of Banks - Assets (In Millions of AEDs) Item 2013 Dec 2014 Dec Mar Jun 2015 Sep Dec Mar Jun 2016 Sep Dec Mar Jun Jul 2017 Aug Sep Oct * 230,907 248,478 245,767 241,620 236,608 304,186 266,138 262,134 261,433 274,367 284,528 285,774 289,899 294,520 291,163 281,807 13,519 15,456 13,141 13,723 13,817 15,131 15,378 16,860 15,478 15,289 14,682 16,527 14,375 16,764 13,936 14,173 217,388 233,022 232,626 227,897 222,791 289,055 250,760 245,274 245,955 259,078 269,846 269,247 275,524 277,756 277,227 267,634 Domestic Assets Cash and Deposits with C.B Cash in Hand ( LCY ) Deposits with Central Bank Due From Resident Banks 67,884 64,343 71,576 75,083 60,004 53,947 63,907 56,283 72,561 63,116 64,749 56,923 53,465 57,131 56,464 56,303 Domestic Credit and Investments 1,312,903 1,388,902 1,422,299 1,457,399 1,493,256 1,502,210 1,529,471 1,561,990 1,580,952 1,602,449 1,625,175 1,604,009 1,610,183 1,592,305 1,595,526 1,607,447 a) Credit Facilities 1,203,317 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,454,414 1,472,408 1,456,842 1,461,657 1,442,585 1,447,060 1,451,441 840,512 938,990 953,782 981,807 1,003,112 1,018,485 1,029,607 1,051,588 1,065,905 1,075,595 1,080,664 1,080,530 1,082,771 1,065,166 1,069,627 1,073,893 41,852 57,112 53,752 57,242 56,675 53,018 53,283 52,973 49,749 48,610 47,157 45,957 45,556 45,484 46,296 43,997 Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. 798,660 881,878 900,030 924,565 946,437 965,467 976,324 998,615 1,016,156 1,026,985 1,033,507 1,034,573 1,037,215 1,019,682 1,023,331 1,029,896 Claims on Government 145,446 153,071 160,972 168,495 166,400 166,586 168,667 168,627 174,085 172,366 176,849 177,806 179,845 181,459 181,528 173,556 Claims on Official Entities 147,709 166,176 169,455 167,376 176,922 171,393 180,767 187,705 187,950 187,416 194,820 178,969 179,590 176,378 175,399 182,930 1,368 1,020 4,140 2,707 2,952 1,546 1,724 1,859 3,812 2,524 3,368 3,284 3,475 3,234 3,474 3,187 146,341 165,156 165,315 164,669 173,970 169,847 179,043 185,846 184,138 184,892 191,452 175,685 176,115 173,144 171,925 179,743 69,650 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,037 20,075 19,537 19,451 19,582 20,506 21,062 69,650 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,037 20,075 19,537 19,451 19,582 20,506 21,062 b) Domestic Investments 109,586 111,282 118,712 121,556 126,937 121,029 125,090 135,694 134,843 148,035 152,767 147,167 148,526 149,720 148,466 156,006 Unclassified Assets 102,594 111,244 118,979 115,221 116,598 121,432 125,727 123,725 122,111 126,789 120,823 177,117 130,500 133,117 136,836 130,003 21,556 24,209 24,558 24,713 25,170 25,094 25,582 25,689 25,596 26,244 26,514 26,558 26,959 27,220 27,637 27,488 2,836 6,447 10,069 8,554 7,730 10,944 9,394 5,992 4,768 9,736 5,190 61,707 1,313 1,167 1,995 2,517 Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Fixed Assets Inter-Branch Transactions Other Assets 78,202 80,588 84,352 81,954 83,698 85,394 90,751 92,044 91,747 90,809 89,119 88,852 102,228 104,730 107,204 99,998 409,774 491,902 521,307 530,221 515,777 496,450 505,853 514,367 513,091 546,890 553,018 530,504 549,667 541,906 563,218 563,555 Due from H.O. and/or Branches Abroad 114,532 111,725 122,099 123,233 117,632 84,290 83,640 84,500 75,834 102,313 106,932 73,740 87,118 80,120 86,503 81,721 Due from Other Banks Abroad 131,658 142,718 158,582 155,818 144,605 151,453 138,261 135,997 138,291 145,826 149,597 140,171 147,550 143,400 153,173 156,586 Foreign Assets Cash in Hand ( FCY ) 146 161 146 133 167 203 167 205 159 157 155 164 159 172 208 201 Securities 77,103 116,748 109,759 119,322 119,045 129,097 139,028 139,130 141,068 140,811 136,097 147,358 147,670 147,569 154,298 156,067 Credit to Non-Residents 72,227 100,433 106,642 110,831 112,154 103,850 113,130 117,138 119,887 120,369 124,757 134,408 132,905 136,347 133,043 132,519 Other Foreign Assets 14,108 20,117 24,079 20,884 22,174 27,557 31,627 37,397 37,852 37,414 35,480 34,663 34,265 34,298 35,993 36,461 2,124,062 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,613,611 2,648,293 2,654,327 2,633,714 2,618,979 2,643,207 2,639,115 Total Assets * Preliminary
12. Table 8 : Aggregated Balance Sheet of Banks - Liabilities (In Millions of AEDs) Item 2013 Dec 2014 Dec Mar Jun 2015 Sep Dec Mar Jun 2016 Sep Dec Mar Jun Jul 2017 Aug Sep Oct * 329,142 377,116 400,687 405,349 396,426 398,543 428,479 416,558 410,713 411,792 438,999 439,674 432,815 427,393 424,493 426,934 325,353 373,473 395,675 399,767 391,219 393,969 423,070 411,189 405,797 407,311 433,966 434,989 428,029 423,402 420,488 422,500 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Quasi Monetary Deposits Time Deposits ( LCY ) Savings Deposits ( LCY ) 3,643 5,012 5,582 5,207 4,574 5,409 5,369 4,916 4,481 5,033 4,685 4,786 3,991 4,005 4,434 689,017 705,308 709,773 704,287 729,523 727,822 699,010 727,333 750,920 767,331 759,521 766,417 751,831 767,601 751,549 387,835 379,336 372,007 371,617 360,990 378,307 371,427 352,803 358,239 364,826 369,984 370,152 377,700 378,317 380,107 376,934 81,292 95,357 100,206 104,875 105,126 106,090 111,268 116,035 113,337 115,257 118,956 119,922 119,502 118,945 119,914 119,439 193,963 214,324 233,095 233,281 238,171 245,126 245,127 230,172 255,757 270,837 278,391 269,447 269,215 254,569 267,580 255,176 159,655 187,045 182,024 161,199 162,509 155,613 153,606 183,999 167,593 185,036 192,042 194,785 192,914 204,162 199,224 221,908 Other Domestic Deposits ( LCY + FCY ) ** 15,774 17,744 18,318 17,854 20,240 21,021 20,657 21,744 21,112 20,651 19,700 20,065 20,138 20,582 20,237 20,557 Government Lending Funds *** 15,080 17,702 18,028 18,608 19,170 19,614 19,955 20,516 21,266 21,197 22,005 22,554 22,751 216 - - 244,729 268,016 264,656 272,053 276,830 286,272 278,080 290,164 298,984 307,830 298,288 302,729 321,048 324,324 327,095 330,476 4,215 1,311 11,205 7,046 6,542 560 844 1,868 2,912 1,157 2,187 980 1,624 1,892 2,681 3,632 52,890 42,497 51,109 51,939 50,120 47,136 58,763 50,097 63,168 54,798 56,278 50,402 47,031 51,358 50,869 49,915 Other Deposits ( FCY ) Government Deposits ( LCY + FCY ) Capital and Reserves Due to Central Bank Due to Resident Banks Capital Market Funding & Term Borrowings 7,699 9,286 10,431 16,235 14,171 14,079 14,716 22,239 24,999 25,170 26,429 18,639 18,823 18,826 18,818 18,816 413,593 489,550 496,816 540,480 549,760 586,270 561,948 585,213 582,757 596,969 584,300 555,911 568,003 571,496 583,706 568,881 Due to H.O and/or Branches Abroad 68,489 70,683 76,893 88,991 72,981 87,748 63,952 61,445 49,036 50,759 49,493 53,966 53,205 53,224 57,743 48,173 Due to Other Banks Abroad 77,829 88,155 91,384 105,986 124,004 129,956 124,551 138,931 125,312 126,954 120,980 101,616 111,676 117,620 113,037 114,674 Capital Market Funding 84,495 94,671 105,082 112,781 94,850 90,530 94,068 93,296 89,506 87,518 89,919 96,339 99,152 113,589 120,536 116,556 Other Term Borrowings 18,955 23,554 20,062 22,412 42,127 43,499 38,957 44,941 61,607 67,068 71,300 59,259 60,181 45,026 46,735 47,583 114,980 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 199,050 188,990 179,856 184,758 182,334 188,298 183,903 Foreign Liabilities Other Deposits ( LCY + FCY ) Other Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions 1 Total Liabilities * 3,789 663,090 48,845 58,535 55,422 54,597 57,273 63,045 62,906 69,487 70,406 65,620 63,618 64,875 59,031 59,703 57,357 57,992 218,195 205,585 221,346 219,008 222,188 219,594 226,226 227,091 229,311 238,091 240,734 289,067 242,150 246,899 248,483 246,447 2,459 5,093 6,616 7,905 7,158 3,538 4,545 2,890 3,615 6,106 6,400 57,761 4,603 5,539 9,315 7,230 215,736 200,492 214,730 211,103 215,030 216,056 221,681 224,201 225,696 231,985 234,334 231,306 237,547 241,360 239,168 239,217 97,981 97,277 97,772 98,011 100,964 101,526 103,841 105,791 108,540 110,372 112,297 113,660 115,427 116,241 115,631 115,718 2,124,062 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,613,611 2,648,293 2,654,327 2,633,714 2,618,979 2,643,207 2,639,115 Preliminary ** Commercial Prepayments (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements *** Refinancing of Housing Loans to Nationals under various schemes of Federal & Emirates Governments.Effective August 2017, the reduction in refinancing reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense
13. Table 9 : Aggregated Memoranda Accounts of Banks (In Millions of AEDs) Item 2013 2015 2016 2017 Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Jul Aug Sep Oct * Letters of Credit 114,919 132,425 118,753 122,332 118,699 110,897 102,695 103,778 96,123 96,678 89,799 86,820 85,783 86,341 87,932 88,893 Guarantees 316,539 351,734 369,650 371,179 372,638 373,399 372,374 383,138 386,612 387,131 385,370 391,593 391,680 389,653 385,902 384,104 Commitments 130,353 173,961 178,546 180,382 174,388 185,767 184,131 178,946 184,090 188,144 186,883 186,487 190,824 190,868 181,418 210,337 FX Derivatives 864,775 920,848 994,597 925,227 908,801 682,430 604,681 517,210 508,825 443,390 479,046 588,925 496,657 632,521 545,481 581,324 1,355,319 1,416,267 1,255,061 1,438,215 1,383,402 1,427,143 1,605,865 1,833,688 1,966,884 1,881,570 1,939,173 2,005,898 2,017,703 2,030,162 2,047,835 2,043,842 117,265 150,882 209,415 187,898 136,325 115,200 84,379 68,656 60,288 48,069 61,567 52,967 51,478 49,442 48,371 44,605 Off-Balance Sheet Items Interest Rate Derivatives Others Derivatives Other Memoranda Items 27,545 69,769 44,383 52,493 42,029 52,636 37,998 52,642 53,004 37,946 45,854 47,609 47,524 43,360 51,910 53,093 Total Memoranda Accounts 2,926,715 3,215,886 3,170,405 3,277,726 3,136,282 2,947,472 2,992,123 3,138,058 3,255,826 3,082,928 3,187,692 3,360,299 3,281,649 3,422,347 3,348,849 3,406,198 * Preliminary
14. Table 10 : Banks' Foreign Assets and Liabilities (In Millions of AEDs) 2015 Jun 2016 Sep Dec Mar Jun 2017 Item Mar Sep Dec Mar Jun Jul Aug Sep Oct * Foreign Assets 521,307 530,221 515,777 496,450 505,853 514,367 513,091 546,890 553,018 530,504 549,667 541,906 563,218 Notes and Coins 146 133 167 203 167 205 159 157 155 164 159 172 208 201 Due from H.O and Branches 122,099 123,233 117,632 84,290 83,640 84,500 75,834 102,313 106,932 73,740 87,118 80,120 86,503 81,721 Due from Other Banks Abroad 158,582 155,818 144,605 151,453 138,261 135,997 138,291 145,826 149,597 140,171 147,550 143,400 153,173 156,586 55,651 49,296 51,303 64,459 50,576 51,019 53,340 61,219 59,624 65,749 71,359 68,599 77,590 81,730 - Term Placements 66,696 62,578 48,667 46,731 53,241 46,055 49,786 50,108 54,054 43,793 45,310 43,214 42,573 42,257 - Term Loans 36,235 43,944 44,635 40,263 34,444 38,923 35,165 34,499 35,919 30,629 30,881 31,587 33,010 32,599 Securities 109,759 119,322 119,045 129,097 139,028 139,130 141,068 140,811 136,097 147,358 147,670 147,569 154,298 156,067 Loans and Advances 106,642 110,831 112,154 103,850 113,130 117,138 119,887 120,369 124,757 134,408 132,905 136,347 133,043 132,519 Other Foreign Assets 24,079 20,884 22,174 27,557 31,627 37,397 37,852 37,414 35,480 34,663 34,265 34,298 35,993 36,461 568,881 563,555 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement Foreign Liabilities 496,816 540,480 549,760 586,270 561,948 585,213 582,757 596,969 584,300 555,911 568,003 571,496 583,706 Due to H.O and/or Branches Abroad 76,893 88,991 72,981 87,748 63,952 61,445 49,036 50,759 49,493 53,966 53,205 53,224 57,743 48,173 Due to Other Banks Abroad 91,384 105,986 124,004 129,956 124,551 138,931 125,312 126,954 120,980 101,616 111,676 117,620 113,037 114,674 35,079 40,437 66,667 55,750 41,475 56,029 56,945 51,060 48,733 51,012 65,384 66,045 59,584 64,866 55,042 64,589 47,744 62,695 57,429 54,822 53,271 56,922 54,077 35,136 32,225 37,091 38,437 34,333 1,263 960 9,593 11,511 25,647 28,080 15,096 18,972 18,170 15,468 14,067 14,484 15,016 15,475 105,082 112,781 94,850 90,530 94,068 93,296 89,506 87,518 89,919 96,339 99,152 113,589 120,536 116,556 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement - Inter Bank Borrowings - Other Term Borrowings Capital Market Funding Other Term Borrowings Other Deposits 20,062 22,412 42,127 43,499 38,957 44,941 61,607 67,068 71,300 59,259 60,181 45,026 46,735 47,583 147,973 155,713 158,525 171,492 177,514 177,113 186,890 199,050 188,990 179,856 184,758 182,334 188,298 183,903 - Demand Deposits 30,760 29,983 31,629 32,826 40,929 33,573 30,892 39,323 34,895 35,392 34,291 34,354 34,630 35,308 - Time Deposits 95,130 101,734 102,602 114,072 114,692 120,311 131,508 135,923 128,861 119,604 121,991 119,839 126,959 122,123 - Savings Deposits 20,768 19,445 19,762 19,771 20,733 20,714 20,804 21,627 21,524 21,983 22,098 22,195 21,539 21,466 - Commercial Prepayments(Margin Deposits) 1,543 1,224 298 334 405 436 476 360 1,145 382 381 436 486 344 - Borrowings Under Repurchase Agreements(NBFI) 1,095 3,010 4,225 3,527 774 1,989 2,387 1,920 2,106 2,380 5,900 6,166 4,757 5,360 55,422 54,597 57,273 63,045 62,906 69,487 70,406 65,620 63,618 64,875 59,031 59,703 57,357 57,992 Other Foreign Liabilities * Preliminary
15. Table 11 : Domestic Credit * (In Millions of AEDs) 2013 2014 Item Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Jul Aug Sep Oct ** Government 145,446 153,071 160,972 168,495 166,400 166,586 168,667 168,627 174,085 172,366 176,849 177,806 179,845 181,459 181,528 173,556 Public Sector 147,709 166,176 169,455 167,376 176,922 171,393 180,767 187,705 187,950 187,416 194,820 178,969 179,590 176,378 175,399 182,930 Private Sector 910,162 958,373 973,160 999,972 1,022,997 1,043,202 1,054,947 1,069,964 1,084,074 1,094,631 1,100,739 1,100,067 1,102,222 1,084,748 1,090,133 1,094,955 69,650 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,037 20,075 19,537 19,451 19,582 20,506 21,062 1,072 1,191 1,105 1,252 1,258 1,237 1,171 1,241 1,495 1,515 1,068 1,428 1,431 1,408 1,597 1,604 559,356 638,039 642,898 661,292 672,141 686,518 692,342 708,481 718,567 726,913 730,302 727,183 727,972 730,949 732,931 736,195 280,084 299,760 309,779 319,263 329,713 330,729 336,094 341,866 345,843 347,166 349,294 351,918 353,368 332,809 335,099 336,094 1,203,317 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,454,414 1,472,408 1,456,842 1,461,657 1,442,585 1,447,061 1,451,441 Financial Institutions Insurance Companies Business and Industrial Sector Others Total 1 2015 2016 2017 * Domestic Credit Included Lending to ( Residents ) : Non Banking Financial Institutions , Trade Bills Discounted and Loans and Advances for Government & Public Sector , Private Sector ( Corporates and Individuals ) in Local and Foreign Currency ** Preliminary 1 Effective August 2017, the reduction in personal loans reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans
16. Table 12 : Bank Credit to Residents by Economic Activity ( Quarterly ) (In Millions of AEDs) End of Period Economic Activity 1) Agriculture 2) 3) 2013 Dec 2014 Dec 2015 Mar Jun 2016 Sep Dec Mar Jun Sep Dec Mar 2017 Jun Sep * 3,092 2,698 1,645 1,272 1,294 1,559 1,262 1,200 1,177 1,374 1,165 1,136 1,223 Mining and Quarrying 15,653 9,181 10,738 10,456 11,071 11,922 11,707 12,437 14,013 13,550 19,001 13,912 12,175 Manufacturing 58,032 65,140 66,476 71,195 72,215 69,110 72,231 71,376 71,589 69,300 68,277 70,339 72,016 5,549 6,463 6,494 6,815 6,397 6,516 6,067 6,244 5,782 5,817 6,981 7,793 7,164 739 1,100 1,095 1,256 1,171 1,477 1,523 1,379 1,330 1,365 1,347 1,237 1,332 3.3 Furniture and Other Wood Products 4,110 1,789 2,030 2,161 2,455 2,528 2,624 2,642 2,342 2,403 2,482 2,428 2,660 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 1,006 1,341 1,604 1,698 1,873 1,992 1,912 1,850 1,915 1,958 1,970 1,789 2,036 3.1 Food , Beverages and Tobacco 3.2 Textile and Leather Products 8,333 12,693 14,576 18,123 17,229 17,480 18,652 18,342 17,953 17,266 16,479 12,943 13,169 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 13,966 15,428 14,980 12,727 14,576 12,524 12,926 12,975 13,378 13,683 13,537 13,239 13,485 4,444 6,724 7,417 6,673 7,782 6,869 7,289 7,077 7,077 6,857 6,496 11,298 13,283 3.8 Other Manufactured Products 19,885 19,602 18,280 21,742 20,732 19,724 21,238 20,867 21,812 19,951 18,985 19,612 18,887 21,864 18,937 18,576 22,479 20,732 20,482 18,559 18,592 17,882 18,455 18,097 17,397 16,953 4) Electricity, Gas and Water 5) Construction and Real Estate 204,351 212,550 210,620 216,166 223,646 235,010 241,790 242,382 250,827 264,762 267,028 281,214 295,186 6) Trade 146,847 155,761 160,454 164,857 164,845 161,689 160,697 160,710 158,247 155,821 152,319 149,523 147,721 6.1 Wholesale 89,181 106,160 112,983 119,122 119,088 114,877 112,300 113,864 111,001 108,703 107,484 99,119 95,090 6.2 Retail 57,666 49,601 47,471 45,735 45,757 46,812 48,397 46,846 47,246 47,118 44,835 50,404 52,631 36,423 56,494 59,495 60,828 58,810 59,155 62,468 63,951 62,704 63,507 60,447 63,128 63,738 7) Transport, Storage and Communication 8) Financial Institutions 113,580 131,824 133,143 128,173 135,491 135,599 139,551 144,861 148,373 145,561 151,903 138,931 130,293 9) Government 144,030 135,982 143,223 148,227 152,764 157,493 159,300 160,032 165,068 162,727 167,075 162,916 165,173 1 10) Personal Loans for Business Purposes 2 11) Personal Loans for Consumption Purposes 3 12) All Others Total 95,626 102,988 90,195 91,088 92,788 95,812 97,038 96,828 96,199 94,799 94,550 83,037 84,814 264,981 289,889 299,847 309,163 319,618 320,700 326,709 333,289 338,033 339,234 342,572 349,071 324,849 98,838 96,176 109,175 111,939 113,045 112,650 113,069 120,638 121,997 125,324 129,974 126,238 132,920 1,203,317 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,454,414 1,472,408 1,456,842 1,447,061 1 Including credit to High Net-Worth Individuals. 2 Effective August 2017, the reduction in personal loans reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans 3 Including Credit to the Service Sector and Non-Profit Institutions * Preliminary
17. Table 13 : Deposits distributed Residents / Non Residents * (In Millions of AEDs) Item (1) (2) Residents 2013 2014 Dec Dec 2015 Mar Jun 2016 Sep Dec Mar Jun 2017 Sep Dec Mar Jun Jul Aug 1,163,872 1,267,279 1,301,325 1,288,593 1,278,255 1,300,126 1,325,155 1,315,942 1,321,820 1,363,899 1,413,021 1,409,283 1,407,469 1,399,896 Sep Oct ** 1,407,505 1,416,483 1.1 Corporate 472,876 517,415 530,403 544,811 553,813 563,100 571,428 565,690 576,394 592,181 593,486 575,424 582,445 573,178 588,818 587,286 1.2 Individuals 317,251 351,336 358,035 362,396 357,392 360,741 376,655 379,631 380,128 388,271 404,785 408,192 407,803 406,914 403,052 401,313 1.3 Government 161,300 188,819 183,789 162,947 164,264 157,438 155,523 185,903 169,515 186,847 194,023 196,814 194,996 206,294 201,199 223,730 1.4 GREs 173,555 173,352 191,929 184,164 173,275 190,755 193,348 161,487 171,155 168,365 191,979 189,571 183,176 173,338 183,041 177,067 1.5 Non Banking Financial Institutions 38,890 36,357 37,169 34,275 29,511 28,092 28,201 23,231 24,628 28,235 28,748 39,282 39,049 40,172 31,395 27,087 114,980 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 199,050 188,990 179,856 184,758 182,334 188,298 183,903 Non-Residents 2.1 Corporate 49,187 62,599 61,832 61,043 65,857 72,807 78,706 80,702 84,460 88,352 84,003 80,304 78,213 74,271 82,531 82,389 2.2 Non Banking Financial Institutions 35,813 40,774 34,338 42,692 43,864 57,606 58,211 55,357 57,983 70,150 63,218 58,773 63,774 66,905 62,752 61,901 2.3 Individuals 22,249 26,750 25,851 26,106 26,180 27,492 27,982 28,251 31,310 28,084 28,608 28,897 29,054 28,666 27,924 27,557 2.4 Government and Non Commercial Entities 7,731 23,828 25,952 25,872 22,624 13,587 12,615 12,803 13,137 12,464 13,161 11,882 13,717 12,492 15,091 12,056 1,278,852 1,421,231 1,449,298 1,444,306 1,436,780 1,471,618 1,502,669 1,493,055 1,508,710 1,562,949 1,602,011 1,589,139 1,592,227 1,582,230 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary 1,595,803 1,600,386
18. 1 Table 14 : Deposits by Type and Currency (In Millions of AEDs) 2013 2014 Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Jul Aug Sep Oct * Demand 448,386 515,199 542,970 543,942 543,231 547,978 590,939 566,312 563,792 580,094 602,008 601,925 596,663 583,956 592,065 583,243 Local Currency 332,415 383,509 404,533 408,204 399,836 401,342 431,083 419,652 413,796 415,989 442,713 445,048 437,161 432,690 429,101 431,182 Foreign Currencies 115,971 131,690 138,437 135,738 143,395 146,636 159,856 146,660 149,996 164,105 159,295 156,877 159,502 151,266 162,964 152,061 Savings 107,201 126,453 131,800 137,127 138,040 141,244 147,884 152,035 151,070 153,745 158,030 158,898 159,087 158,267 159,386 157,942 Local Currency 92,080 107,152 112,257 116,985 114,169 115,630 120,154 125,068 122,987 124,990 128,953 130,274 129,755 128,863 129,573 129,422 Foreign Currencies 15,121 19,301 19,543 20,142 23,871 25,614 27,730 26,967 28,083 28,755 29,077 28,624 29,332 29,404 29,813 28,520 Time 541,887 552,775 560,779 572,099 562,657 589,148 576,328 554,649 589,726 609,806 615,987 599,098 605,566 598,753 609,375 601,411 Local Currency 406,843 391,629 384,229 384,138 377,498 397,795 392,041 381,348 388,819 391,831 394,701 393,601 401,142 400,586 404,512 400,756 Foreign Currencies 135,044 161,146 176,550 187,961 185,159 191,353 184,287 173,301 200,907 217,975 221,286 205,497 204,424 198,167 204,863 200,655 1,097,474 1,194,427 1,235,549 1,253,168 1,243,928 1,278,370 1,315,151 1,272,996 1,304,588 1,343,645 1,376,025 1,359,921 1,361,316 1,340,976 1,360,826 1,342,596 Total Local Currency 831,338 882,290 901,019 909,327 891,503 914,767 943,278 926,068 925,602 932,810 966,367 968,923 968,058 962,139 963,186 961,360 Total Foreign Currencies 266,136 312,137 334,530 343,841 352,425 363,603 371,873 346,928 378,986 410,835 409,658 390,998 393,258 378,837 397,640 381,236 Commercial Prepayments 15,847 25,639 19,191 19,077 20,506 21,278 21,032 22,035 21,299 20,687 20,384 20,029 20,070 20,541 20,300 20,447 Item Total Deposits2 1 2 2015 2016 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2017
19. Table 15 : Time Deposits by Maturity* (In Millions of AEDs) Period 2013 2014 Maturity Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Jul Aug Sep Upto 3 Months 439,458 472,636 468,478 432,790 428,963 441,945 423,635 388,932 425,463 452,328 446,210 417,728 409,591 400,020 430,417 474,048 Above 3 and Upto 6 Months 118,661 127,174 108,137 122,629 121,904 148,382 113,255 138,798 148,853 137,067 125,159 148,603 162,698 174,486 152,202 144,881 Above 6 and Upto 12 Months 109,987 109,859 113,748 129,890 125,569 106,490 136,319 154,844 128,288 137,798 168,285 164,124 153,683 161,031 156,013 140,651 26,523 30,060 40,173 33,710 33,656 41,694 46,529 41,336 40,168 52,305 47,440 46,085 56,277 49,259 50,017 43,530 694,629 739,729 730,536 719,019 710,092 738,511 719,738 723,910 742,772 779,498 787,094 776,540 782,249 784,796 788,649 803,110 Exceeding 12 Months Total 2015 2016 * Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements ** Preliminary 2017 Oct **
20. Table 16 : Currency Issued * (In Thousands of AEDs) Item Total Notes Issued ( 1 )** Total Coins Issued ( 2 )*** Total Currency Issued 2013 2014 Dec Dec Mar Jun 2016 Sep Dec Mar Jun 2017 Sep Dec Mar Jun Jul Aug Sep Oct **** 63,076,612 73,502,110 68,355,146 71,528,890 70,005,382 72,456,853 76,126,961 80,215,276 76,155,196 76,429,913 78,998,872 82,731,041 77,951,341 81,487,360 77,126,484 78,101,734 850,187 969,992 997,569 1,020,633 1,041,728 1,065,241 1,081,388 1,101,593 1,111,879 1,121,558 1,131,076 1,146,604 1,149,399 1,150,940 1,154,082 1,157,016 63,926,799 74,472,102 69,352,715 72,549,523 71,047,110 73,522,094 77,208,349 81,316,869 77,267,075 77,551,471 80,129,948 83,877,645 79,100,740 82,638,300 78,280,566 79,258,750 * Currency Issued = currency in circulation plus cash at banks ** Excluding Mutilated Notes *** Excluding Issued Gold Coins **** Preliminary 2015