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UAE: Monthly Statistical Bulletin - Banking & Monetary Statistics - March 2018

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6 years ago
UAE: Monthly Statistical Bulletin - Banking & Monetary Statistics - March 2018

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  1. ‫النشرة االحصائية الشهرية‬ - ‫ البيانات المصرفية والنقدية‬2018 ‫مارس‬ Monthly Statistical Bulletin - Banking & Monetary Statistics March 2018
  2. Contents ‫الصفحات‬ PAGES Tables 1 2 3 4 5 6 7 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 Selected Monetary and Banking Indicators Monetary Survey Monthly Changes in Factors Affecting Money Supply UAE Monetary Base (Monthly) Balance Sheet - Central Bank of the UAE Central Bank International Reserves Aggregated Balance Sheet of Banks - Assets & Liabilities ( All Banks ) Aggregated Balance Sheet of Banks - Assets ( National Banks ) Aggregated Balance Sheet of Banks - Liabilities ( National Banks ) Aggregated Balance Sheet of Banks - Assets ( Foreign Banks ) Aggregated Balance Sheet of Banks - Liabilities ( Foreign Banks ) Aggregated Balance Sheet of Banks - Assets ( Conventional Banks ) Aggregated Balance Sheet of Banks - Liabilities ( Conventional Banks ) Aggregated Balance Sheet of Banks - Assets ( Islamic Banks ) Aggregated Balance Sheet of Banks - Liabilities ( Islamic Banks ) Aggregated Memoranda Accounts of Banks Banks' Foreign Assets and Liabilities Domestic Credit ( All Banks ) Domestic Credit ( National Banks ) Domestic Credit ( Foreign Banks ) Domestic Credit ( Conventional Banks ) Domestic Credit ( Islamic Banks ) Bank Credit to Residents by Economic Activity ( Quarterly ) Bank Credit to Non - Residents by Economic Activity ( Quarterly ) Deposits distributed Residents / Non Residents ( All Banks ) Deposits distributed Residents / Non Residents ( National Banks ) Deposits distributed Residents / Non Residents ( Foreign Banks ) Deposits distributed Residents / Non Residents ( Conventional Banks ) Deposits distributed Residents / Non Residents ( Islamic Banks ) Classification of Deposits by Size ( Quarterly ) Deposits by Type and Currency ( All Banks ) Deposits by Type and Currency ( National Banks ) Deposits by Type and Currency ( Foreign Banks ) Deposits by Type and Currency ( Conventional Banks ) Deposits by Type and Currency ( Islamic Banks ) Time Deposits by Maturity Currency Issued Cheques Presented and Cleared Statistics UAE Domestic Fund Transfer System Statistics Banks and Branches Network Statistics ( Quarterly ) 4 5~6 7~8 9 10 ~ 11 12 13 ~ 15 16 17 18 19 20 21 22 23 24 25 ~ 26 27 ~ 28 29 30 31 32 33 34 35 ~ 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51
  3. Contents (Contd) Note: Data are as at the end of period unless otherwise indicated. Abbreviations & Notations UAE Dirhams Zero or Insignificant AED (-) Local Currency LCY Foreign Currency FCY Definitions Monetary Base : Monetary Base,defined as the sum of Currency Issued (Currency in Circulation outside Banks and Cash at Banks),Total Banks' Reserves at the Central Bank and Certificates of Deposits held by Banks Gross International Reserves : Gross International Reserves , defined as the sum of Current Account Balances & Deposits with Banks abroad , 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. Table 1 : Selected Monetary and Banking Indicators (In Millions of AED) 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun Sep Dec Jan 2018 Feb Mar *** Total Assets/Liabilities 305,534 337,389 393,655 364,453 379,488 391,957 396,605 406,373 391,541 398,592 395,597 Gross International Reserves * 250,532 288,247 345,147 313,610 327,697 341,132 346,983 350,260 328,655 342,447 338,980 Money Supply M1 379,550 436,132 456,934 474,054 504,447 507,025 488,839 492,365 497,928 509,685 510,619 Money Supply M2 1,042,904 1,125,429 1,186,819 1,225,452 1,272,246 1,267,052 1,257,128 1,276,139 1,277,131 1,284,932 1,293,802 Money Supply M3 1,204,376 1,314,519 1,342,879 1,411,339 1,465,828 1,463,070 1,457,922 1,487,078 1,480,810 1,486,371 1,526,750 2,124,062 2,304,869 2,478,225 2,613,611 2,648,293 2,654,327 2,643,207 2,693,807 2,688,150 2,706,971 2,718,271 -3,819 2,352 -89,820 -50,079 -31,282 -25,407 -20,488 -16,842 2,560 -5,134 23,042 409,774 491,902 496,450 546,890 553,018 530,504 563,218 578,989 585,125 594,255 603,110 19.3% 21.3% 20.0% 20.9% 20.9% 20.0% 21.3% 21.5% 21.8% 22.0% 22.2% 413,593 489,550 586,270 596,969 584,300 555,911 583,706 595,831 582,565 599,389 580,068 Foreign Liabilities to Total Liabilities (%) Deposits 1 19.5% 1,278,852 21.2% 1,421,230 23.4% 1,471,618 22.6% 1,562,949 21.8% 1,602,011 20.7% 1,589,139 22.1% 1,595,803 22.1% 1,627,277 21.7% 1,621,517 22.1% 1,620,136 21.3% 1,662,443 Residents 1,163,872 1,267,279 1,300,126 1,363,899 1,413,021 1,409,283 1,407,505 1,435,600 1,430,498 1,432,392 1,472,992 472,876 517,415 563,100 592,181 593,486 575,424 588,818 604,435 597,814 601,527 600,333 114,980 153,951 171,492 199,050 188,990 179,856 188,298 191,677 191,019 187,744 189,451 49,187 62,599 72,807 88,352 84,003 80,304 82,531 88,310 85,486 81,514 79,909 1,203,317 1,277,620 1,381,181 1,454,414 1,472,408 1,456,842 1,447,060 1,452,696 1,459,072 1,464,621 1,472,751 910,162 958,373 1,043,202 1,094,631 1,100,739 1,100,067 1,090,133 1,105,007 1,108,832 1,113,668 1,121,505 23 841 89 29 23 869 90 34 23 874 90 37 23 846 76 33 23 834 72 35 23 816 61 36 23 810 58 36 22 771 51 36 22 770 49 32 22 764 47 32 22 761 48 32 Branches Pay Offices Electronic Banking Service Units 32 28 4 87 1 52 33 26 7 86 1 48 34 26 8 86 1 40 37 26 11 85 1 31 37 26 11 85 1 29 37 26 11 85 1 29 38 26 12 85 1 28 39 27 12 82 1 25 39 27 12 82 1 24 39 27 12 81 1 23 39 27 12 81 1 21 Number of Employees in Banks (UAE) 2 36,087 39,051 40,159 37,547 36,958 36,351 36,083 34,675 34,675 34,675 35,012 28,165 31,152 32,352 29,532 29,504 28,986 28,767 29,056 29,056 29,056 29,414 7,922 7,899 7,807 7,439 7,454 7,365 7,316 5,619 5,619 5,619 5,598 Indicator 2017 Central Bank of the UAE Money Supply Indicators Banks Total Assets Foreign Assets (Net) Foreign Assets Foreign Assets to Total Assets (%) 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 of which: Full Fledged Commercial Banks of which: Licensed Wholesale Banks Employed with National Banks Employed with Foreign Banks 2 2 1 Excluding Inter-Bank Deposits 2 Excluding Auxiliary Staff. Data Subject to Revision on Quarterly Basis * Central Bank International Reserves = Current Account Balances & Deposits with Banks abroad+ Held-to-Maturity Foreign Securities + IMF Reserves and SDR Holdings + Other Foreign Assets ** Including Claims on Other Financial Institutions *** Preliminary Page 4
  5. Table 2 : Monetary Survey (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * 243,318 282,605 246,402 258,816 289,827 310,600 321,698 328,285 321,366 326,880 354,407 247,137 280,253 336,222 308,895 321,109 336,007 342,186 345,127 318,806 332,014 331,365 250,532 288,247 345,147 313,610 327,697 341,132 346,983 350,260 328,655 342,447 338,980 3,395 7,994 8,925 4,715 6,588 5,125 4,797 5,133 9,849 10,433 7,615 -3,819 2,352 -89,820 -50,079 -31,282 -25,407 -20,488 -16,842 2,560 -5,134 23,042 Foreign Assets 409,774 491,902 496,450 546,890 553,018 530,504 563,218 578,989 585,125 594,255 603,110 Foreign Liabilities 413,593 489,550 586,270 596,969 584,300 555,911 583,706 595,831 582,565 599,389 580,068 Net Domestic Assets 799,586 842,824 940,417 966,636 982,419 956,452 935,430 947,854 955,765 958,052 939,395 Claims on Private Sector 860,011 959,046 1,040,059 1,100,058 1,103,656 1,103,675 1,091,840 1,107,744 1,109,879 1,113,540 1,122,014 Net Claims on Government 47,578 21,498 68,324 56,196 57,179 52,999 70,437 64,534 73,758 77,536 46,657 Claims on Official Entities 178,055 196,737 204,886 224,733 232,504 218,453 214,332 212,287 212,294 210,978 212,983 Claims on Nonbank Financial Institutions 91,888 42,352 49,310 29,825 30,325 29,442 32,134 31,422 33,062 34,135 32,311 Capital and Reserves -265,972 -287,843 -306,490 -328,800 -319,343 -323,804 -348,215 -359,461 -361,231 -358,832 -338,344 Other Items (net) -111,974 -88,966 -115,672 -115,376 -121,902 -124,313 -125,098 -108,672 -111,997 -119,305 -136,226 379,550 436,132 456,934 474,054 504,447 507,025 488,839 492,365 497,928 509,685 510,619 Currency in Circulation Outside Banks 50,408 59,016 58,391 62,262 65,448 67,351 64,345 67,716 68,211 70,020 69,906 Monetary Deposits 329,142 377,116 398,543 411,792 438,999 439,674 424,494 424,649 429,717 439,665 440,713 1,042,904 1,125,429 1,186,819 1,225,452 1,272,246 1,267,052 1,257,128 1,276,139 1,277,131 1,284,932 1,293,802 663,354 689,297 729,885 751,398 767,799 760,027 768,289 783,774 779,203 775,247 783,183 Foreign Currency Deposits 193,966 214,336 245,127 270,838 278,393 269,448 267,580 270,694 274,580 270,693 280,858 Dirham Deposits 469,388 474,961 484,758 480,560 489,406 490,579 500,709 513,080 504,623 504,554 502,325 1,204,376 1,314,519 1,342,879 1,411,339 1,465,828 1,463,070 1,457,922 1,487,078 1,480,810 1,486,371 1,526,750 161,472 189,090 156,060 185,887 193,582 196,018 200,794 210,939 203,679 201,439 232,948 Item Net International Reserves Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Money Supply M1 Money Supply M2 Quasi - Money Money Supply M3 Government Deposits 2017 * Preliminary Page 5 2018
  6. Monetary Aggregates A ) Money Supply ( M1 ) Money Supply (M1) increased month on month by 0.2% at the end of March 2018, driven by a 0.2% increase in Monetary Deposits, overshadowing the 0.2% decrease in Currency in Circulation outside Banks. Money MoneySupply Supply--M1 M1 550 550 500 500 450 450 400 400 350 350 300 300 250 250 200 200 150 150 100 100 50 50 00 Dec Dec AED AEDBln Bln Dec Money Supply (M2) increased month on month by 0.7% at the end of March 2018, due to increased M1 and 1% increase in Quasi-Monetary Deposits. Money Supply - M2 1300 1200 1100 1000 900 800 700 600 500 400 300 200 100 0 Dec DecDec Dec Dec DecDecDec Dec Mar Mar Jun Mar Jun SepJun SepDec Sep DecJan 2013 2013 2013 2014 2014 2014 2015 20152015 2016 20162016 Currency CurrencyininCirculation CirculationOutside OutsideBanks Banks B) Money Supply ( M2 ) 2017 2017 2017 Monetary MonetaryDeposits Deposits Dec Jan Feb Jan Feb Mar AED Bln 2013 2013 2013 201820182018 Money Money Supply Supply M1 M1 C) Money Supply ( M3 ) Money Supply (M3) increased month on month by 2.7% at the end of March 2018 due to increased M1 & M2 and 15.6% increase in resident government deposits. 2014 2014 2014 2015 2015 20152016 20162016 Money Supply M1 Quasi- Monetary Deposits 2018 20182018 Money Supply M2 D) Monetary Aggregates Year on Year analysis at the end of March 2018 indicated that M1, M2 and M3 increased by 1.2%, 1.7% and 4.2% respectively. Monetary Aggregates Money MoneySupply Supply--M3 M3 1500 1500 1400 1400 1300 1300 1200 1200 1100 1100 1000 1000 900 900 800 800 700 700 600 600 500 500 400 400 300 300 200 200 100 100 00 2017 2017 2017 1,500 1,350 1,200 1,050 900 750 600 450 300 150 0 AED Bln Dec 2013 Dec Dec AED AEDBln Bln Dec 2013 2013 2013 Dec DecDec Dec Dec DecDecDec Dec Mar Mar Jun Mar Jun SepJun SepDec Sep DecJan 2014 2014 2014 2015 20152015 2016 2016 2016 2017 2017 Money MoneySupply SupplyM2 M2 Government GovernmentDeposits Deposits 2017 Dec Jan Feb Dec 2014 Jan Feb Mar 201820182018 Money Money Supply Supply M3 M3 Money Supply M1 Page 6 Dec 2015 Dec 2016 Money Supply M2 Jan Feb Mar 2017 Jan Feb Mar 2018 Money Supply M3
  7. Table 3 : Monthly Changes in Factors Affecting Money Supply (In Millions of AED) 2014 2015 2016 Dec** Dec*** Dec*** Mar*** Jun*** Sep*** Dec*** Jan*** Feb*** Mar*** -26,776 371 15,802 -3,082 -155 15,545 10,406 -7,468 5,514 27,527 2,232 54,882 25,490 16,337 17,011 6,443 17,417 -26,321 13,208 -649 3,625 56,203 25,728 17,042 15,947 5,100 17,071 -21,605 13,792 -3,467 1,393 -29,008 21,226 50,234 1,321 -54,511 -22,872 31,639 238 -9,688 16,251 25,939 705 -19,419 4,828 24,247 -1,064 -17,166 -25,201 -8,035 -1,343 9,102 21,312 12,210 -346 -7,011 -1,972 5,039 4,716 18,853 5,517 -13,336 584 -7,694 9,130 16,824 -2,818 28,176 8,855 -19,321 32,022 -22,622 19,746 769 -1,540 -8,948 44,617 21,383 2,880 9,657 -1,747 -1,519 -5,472 17,584 -3,242 9,263 -7,560 -5,992 -15,709 -5,980 22,736 31,107 2,943 8,134 3,838 183 12,646 3,363 -7,307 -4,427 16,317 -4,569 -2,396 -83 -12,149 -3,976 5,051 3,956 -1,580 1,011 -2,762 -9,652 16,885 2,300 33,381 -13,540 -2,450 -5,008 2,202 8,378 3,387 9,257 -1,990 1,639 -1,399 -2,516 2,287 3,661 3,778 -1,316 1,073 2,399 -7,308 -18,657 8,474 -30,879 2,005 -1,824 20,488 -16,921 5,075 -415 1,444 15,472 2,641 -4,427 2,059 5,556 11,757 934 Currency in Circulation Outside Banks 1,755 -421 -553 896 190 -1,529 205 495 1,809 -114 Monetary Deposits 3,320 6 1,997 14,576 2,451 -2,898 1,854 5,061 9,948 1,048 5,246 21,754 12,560 28,025 -7,462 11,569 27,291 910 7,801 8,870 171 22,169 11,116 12,553 -10,103 15,996 25,232 -4,646 -3,956 7,936 Foreign Currency Deposits -8,995 14,829 7,625 3,191 -6,481 13,010 18,095 3,820 -3,887 10,165 Dirham Deposits 9,166 7,340 3,491 9,362 -3,622 2,986 7,137 -8,466 -69 -2,229 -12,069 10,567 25,532 23,314 -24,575 7,234 -7,265 -6,348 5,561 40,379 -17,315 -11,187 12,972 -4,711 -17,113 -4,335 -34,556 -7,258 -2,240 31,509 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 M1 Money Supply M2 Quasi - Money Money Supply M3 Government Deposits 2017 *( - ) Indicates an Increase and ( + ) Indicates a Decrease **Indicates Change from End of the Previous Quarter ***Indicates Change from the End of the Previous Month Page 7 2018
  8. Factors Affecting Money Supply ( M2 ) A) Banks' Net Domestic Assets B) Banks' Net Foreign Assets Banks' Net Foreign Assets increased by AED 28.2 Billion during the month of March 2018 due to the increase of Banks' Foreign Assets by 1.5% and decrease of Foreign Liabilities by 3.2% , which was primarily brought about by the change in Net Position with the Banks' Head Office and Branches abroad. Banks' Net Domestic Assets decreased by 1.7% during the month of March 2018 due to the decrease of domestic assets and liabilities by 2.6% and 6.1% respectively, which was mainly driven by the decrease of Net Claims on Government,Capital & Reserves and Other Items(Net). Banks' Net Domestic Assets Banks' Net Foreign Assets 1,600 1,500 1,400 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0 AED Bln Dec Dec Dec Dec Dec Dec Dec DecDec DecDec Dec Mar Mar Mar Jun Jun Sep Jun SepDec SepDecJan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 Bank - Domestic Assets Dec Jan Feb 2017 2017 2017 Banks - Domestic Liabilities 600 550 500 450 400 350 300 250 200 150 100 50 0 -50 -100 -150 Jan Feb Mar AED Bln 201820182018 Bank - Net Domestic Assets Dec Dec Dec Dec Dec Dec Dec DecDec DecDec Dec Mar Mar Mar Jun Jun Sep Jun SepDec SepDecJan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 Banks-Foreign Assets 2017 2017 2017 Banks-Foreign Liabilities Dec Jan Feb Jan Feb Mar 201820182018 Banks-Net Foreign Assets C) Central Bank - Net Domestic Assets D) Central Bank - Net Foreign Assets Net Domestic Assets of the Central Bank increased by 0.7% during March 2018 due to the decrease Net Foreign Assets of Central Bank decreased by 0.2% during March 2018 mainly due to the of domestic liabilities by 0.9%, despite the decrease of domestic assets by 1.8%, which was mainly decrease of foreign assets by 1%, which was driven by the decrease in Held to maturity foreign driven by the decrease of Other Liabilities . securities. Central Bank Net Domestic Assets Central Bank Net Foreign Assets 350 300 250 200 150 100 50 0 -50 -100 -150 -200 -250 -300 AED Bln 360 330 300 270 240 210 180 150 120 90 60 30 0 Dec Dec Dec Dec Dec Dec Dec DecDec DecDec Dec Mar Mar Mar Jun Jun Sep Jun SepDec SepDecJan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 CB - Domestic Assets 2017 2017 2017 CB - Domestic Liabilities Dec Jan Feb AED Bln Jan Feb Mar 201820182018 Dec Dec Dec Dec Dec Dec Dec DecDec DecDec Dec Mar Mar Mar Jun Jun Sep Jun SepDec SepDecJan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 CB-Foreign Assets CB - Net Domestic Assets Page 8 2017 2017 2017 CB-Foreign Liabilities Dec Jan Feb Jan Feb Mar 201820182018 CB-Net Foreign Assets
  9. Table 4 : UAE Monetary Base (Monthly) (End of period, Billions of AED) Components of Monetary Base Year 2013 March June September December 2014 March June September December 2015 March June September December 2016 January February March April May June July August September October November December 2017 January February March April May June July August September October November December 2018 January February March ** Monetary Base Currency Issued * Reserve Requirements Banks & OFCs Current Accounts at CBUAE Certificates of Deposit 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 95.0 107.9 297.8 308.9 311.5 309.2 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 99.5 304.4 302.4 295.3 365.2 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 97.4 139.8 315.9 326.2 329.5 324.5 326.4 328.6 320.8 324.3 325.5 313.7 313.6 338.1 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 96.1 108.2 325.4 336.3 351.5 342.2 354.5 355.0 356.0 361.8 358.7 348.9 356.4 377.4 77.2 77.5 80.1 78.3 82.0 83.9 79.1 82.6 78.3 79.3 84.3 85.4 116.8 118.7 119.9 120.5 122.5 125.5 124.6 129.9 122.4 122.6 124.7 121.4 24.1 28.2 36.2 28.3 35.9 42.8 41.3 35.2 31.4 28.3 30.8 35.5 107.3 111.9 115.3 115.1 114.1 102.8 111.0 114.1 126.6 118.7 116.6 135.1 358.1 363.8 365.2 83.2 84.2 84.7 121.4 123.5 122.0 21.1 27.8 24.2 132.4 128.3 134.3 * Currency Issued = currency in circulation plus cash at banks ** Preliminary Page 9 `
  10. Table 5 : Balance Sheet - Central Bank of the UAE (In Millions of AED) Item 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * 14,591 42,001 78,611 90,149 88,061 133,518 139,941 154,230 180,592 176,042 195,200 - - 940 1,015 1,099 1,101 1,135 1,152 1,189 1,165 1,172 99,926 76,917 96,362 61,698 95,687 97,699 108,134 111,277 91,225 102,643 90,500 514 321 228 200 200 200 200 200 128 128 128 128,263 157,753 164,495 149,337 140,487 104,334 94,318 84,493 65,306 65,459 55,173 55,361 49,443 49,231 49,165 49,165 49,165 49,165 49,165 49,002 49,002 48,993 3,709 12,790 4,696 5,857 3,633 5,771 4,017 4,075 4,351 Assets Cash and Bank Balances Gold Bullion Deposits Liquidity Support Facility Held to Maturity Foreign Securities Held to Maturity Securities-Issued by Ministry of Finance & Dubai Government Other Assets Property & Equipment 6,781 10,875 97 79 79 99 93 83 79 85 82 78 80 Total Assets 305,534 337,389 393,655 364,453 379,488 391,957 396,605 406,373 391,541 398,592 395,597 Off Balance Sheet Commitments 129,367 134,105 199,681 188,892 179,903 192,768 193,488 200,297 204,131 209,765 181,748 111,973 142,168 157,031 154,775 159,330 171,177 157,076 159,791 144,768 153,892 149,734 Certificates of Deposit 107,896 99,534 139,773 108,193 115,301 102,859 126,640 135,051 132,401 128,289 134,336 Currency Issued 63,927 74,472 73,522 77,551 80,130 83,878 78,281 85,386 83,151 84,249 84,676 Other Liabilities 495 1,387 3,111 2,964 3,672 12,968 13,488 4,032 9,072 10,037 4,813 Total Liabilities 284,291 317,561 373,437 343,483 358,433 370,882 375,485 384,260 369,392 376,467 373,559 Authorized,Issued & Fully Paid Capital 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 General Reserve 15,503 17,339 17,812 18,486 18,486 18,486 18,486 19,457 19,457 19,457 19,363 143 -11 -94 -16 69 89 134 156 192 168 175 Retained Earnings 3,097 - - - - - - - - - - Total Capital & Reserves 21,243 19,828 20,218 20,970 21,055 21,075 21,120 22,113 22,149 22,125 22,038 Total Liabilities and Capital 305,534 337,389 393,655 364,453 379,488 391,957 396,605 406,373 391,541 398,592 395,597 Off Balance Sheet Commitments 129,367 134,105 199,681 188,892 179,903 192,768 193,488 200,297 204,131 209,765 181,748 Liabilities Current Accounts & Deposits Capital and Reserves Other Reserve * Preliminary Page 10
  11. Central Bank - Assets Central Bank - Liabilities and Capital Total Assets of the Central Bank decreased month on month by 0 .8 % at the The decrease in Total Liabilities and Capital of the Central Bank was primarily attributed to end of March 2018, which was significantly attributed to the decrease of the month on month decrease in the Current Accounts and Deposits & Other Liabilities by Deposits and Held to maturity Foreign Securities by 11.8% and 15.7% AED 4.2 Bln and AED 5.2 Bln respectively at the end of March 2018, despite the increase respectively despite the increase in Cash and Bank Balances by 10.9%. in Banks' investment in Central Bank CDs by 4.7%. Balance Sheet - Central Bank of the UAE Assets 200 200 180 180 160 160 140 140 120 120 100 100 80 80 60 60 40 40 20 20 0 0 AED Bln Dec Dec Dec Dec Dec Dec Dec Dec DecDecDecDec MarMar Mar Jun JunSep JunSepDecSep DecJan Dec Jan Feb 2013 2013 2013 2014 2014 2014 2015 2015 2015 2016 2016 2016 20172017 2017 Jan Feb Mar AED Bln 2018 20182018 Cash and Bank Balances Deposits Held to Maturity Foreign Securities HTM Securities -MOF & Dubai Government Balance Sheet - Central Bank of the UAE Liabilities and Capital Dec Dec Dec Dec Dec Dec Dec Dec DecDecDecDec MarMar Mar Jun JunSep JunSepDecSepDecJan Dec Jan Feb 2013 2013 2013 2014 2014 2014 2015 2015 2015 2016 2016 2016 Other Assets Page 11 20172017 2017 Current Accounts & Deposits Certificates of Deposit Other Liabilities Capital & Reserves Jan Feb Mar 2018 20182018 Currency Issued
  12. Table 6 : Central Bank International Reserves ( in Billions of AED) Period 2013 March June September December 2014 March June September December 2015 March June September December 2016 January February March April May June July August September October November December 2017 January February March April May June July August September October November December 2018 January February March * Change for the year 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 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 3.39 195.14 216.64 246.89 247.11 103.95 110.25 124.35 115.48 152.43 156.37 146.76 157.75 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 7.99 262.21 268.52 278.02 280.26 105.49 124.63 156.38 171.79 159.95 145.57 107.08 164.50 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 8.92 265.55 270.44 262.52 336.24 122.19 134.07 132.76 120.74 108.22 116.86 123.46 118.23 126.96 123.86 114.40 147.85 168.41 166.93 167.51 197.48 181.59 192.09 186.44 174.44 168.99 162.84 154.97 149.34 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 4.71 293.85 297.16 299.99 310.70 292.97 300.41 303.61 294.73 297.33 292.88 283.40 308.90 129.85 149.01 178.83 170.39 215.66 227.65 230.14 237.97 241.54 228.72 238.84 256.60 152.21 153.10 140.49 140.83 101.46 104.33 95.00 95.02 94.32 84.38 84.62 84.49 2.72 2.71 2.72 2.75 2.78 2.79 2.82 2.83 2.83 2.82 2.84 2.60 8.69 5.83 5.66 6.22 5.29 6.36 6.03 6.06 8.29 8.96 6.88 6.57 293.47 310.65 327.70 320.19 325.19 341.13 333.99 341.88 346.98 324.88 333.18 350.26 5.57 5.88 6.59 5.78 6.19 5.13 6.49 6.14 4.79 4.66 5.47 5.13 287.90 304.77 321.11 314.41 319.00 336.00 327.50 335.74 342.19 320.22 327.71 345.13 254.91 266.53 271.20 5.7% 65.31 65.46 55.18 -34.7% 2.65 2.63 2.65 1.9% 5.78 7.82 9.94 328.65 342.44 338.97 -3.2% 9.85 10.43 7.61 318.80 332.01 331.36 48.3% -4.0% 51.3% * Preliminary Page 12
  13. Table 7 : Aggregated Balance Sheet of Banks - Assets ( All Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 230,907 248,478 304,186 274,367 284,528 285,774 291,163 307,691 288,440 291,743 292,244 Cash in Hand ( LCY ) 13,519 15,456 15,131 15,289 14,682 16,527 13,936 17,670 14,940 14,229 14,770 Deposits with Central Bank 217,388 233,022 289,055 259,078 269,846 269,247 277,227 290,021 273,500 277,514 277,474 67,884 64,343 53,947 63,116 64,749 56,923 56,464 53,953 56,979 55,025 52,987 Domestic Credit and Investments 1,312,903 1,388,902 1,502,210 1,602,449 1,625,175 1,604,009 1,595,526 1,610,660 1,616,312 1,625,268 1,634,670 a) Credit Facilities 1,203,317 1,277,620 1,381,181 1,454,414 1,472,408 1,456,842 1,447,060 1,452,696 1,459,072 1,464,621 1,472,751 840,512 938,990 1,018,485 1,075,595 1,080,664 1,080,530 1,069,627 1,086,414 1,088,942 1,093,404 1,100,751 41,852 57,112 53,018 48,610 47,157 45,957 46,296 44,751 43,275 43,530 47,151 798,660 881,878 965,467 1,026,985 1,033,507 1,034,573 1,023,331 1,041,663 1,045,667 1,049,874 1,053,600 Claims on Government 145,446 153,071 166,586 172,366 176,849 177,806 181,528 175,428 178,012 180,398 181,081 Claims on Official Entities 147,709 166,176 171,393 187,416 194,820 178,969 175,399 172,261 172,228 170,555 170,165 1,368 1,020 1,546 2,524 3,368 3,284 3,474 3,011 2,811 2,744 2,830 146,341 165,156 169,847 184,892 191,452 175,685 171,925 169,250 169,417 167,811 167,335 69,650 19,383 24,717 19,037 20,075 19,537 20,506 18,593 19,890 20,264 20,754 69,650 19,383 24,717 19,037 20,075 19,537 20,506 18,593 19,890 20,264 20,754 b) Domestic Investments 109,586 111,282 121,029 148,035 152,767 147,167 148,466 157,964 157,240 160,647 161,919 Unclassified Assets 102,594 111,244 121,432 126,789 120,823 177,117 136,836 142,514 141,294 140,680 135,260 Fixed Assets 21,556 24,209 25,094 26,244 26,514 26,558 27,637 27,272 27,611 27,729 27,824 Inter-Branch Transactions 2,836 6,447 10,944 9,736 5,190 61,707 1,995 10,600 4,706 3,748 2,525 Other Assets 78,202 80,588 85,394 90,809 89,119 88,852 107,204 104,642 108,977 109,203 104,911 409,774 491,902 496,450 546,890 553,018 530,504 563,218 578,989 585,125 594,255 603,110 Due from H.O. and/or Branches Abroad 114,532 111,725 84,290 102,313 106,932 73,740 86,503 104,442 90,315 99,733 109,488 Due from Other Banks Abroad 131,658 142,718 151,453 145,826 149,597 140,171 153,173 150,110 157,049 158,251 154,321 146 161 203 157 155 164 208 240 199 186 142 Securities 77,103 116,748 129,097 140,811 136,097 147,358 154,298 153,139 158,971 152,866 157,030 Credit to Non-Residents 72,227 100,433 103,850 120,369 124,757 134,408 133,043 127,605 128,837 131,733 135,348 Other Foreign Assets 14,108 20,117 27,557 37,414 35,480 34,663 35,993 43,453 49,754 51,486 46,781 2,124,062 2,304,869 2,478,225 2,613,611 2,648,293 2,654,327 2,643,207 2,693,807 2,688,150 2,706,971 2,718,271 Domestic Assets Cash and Deposits with C.B Due From Resident Banks Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Foreign Assets Cash in Hand ( FCY ) Total Assets * Preliminary Page 13
  14. Table 8 : Aggregated Balance Sheet of Banks - Liabilities ( All Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec 2017 Jan 2018 Feb Mar Jun Sep Dec Mar * 329,142 377,116 398,543 411,792 438,999 439,674 424,493 424,650 429,717 439,665 440,714 325,353 373,473 393,969 407,311 433,966 434,989 420,488 420,398 426,053 435,316 436,327 3,789 3,643 4,574 4,481 5,033 4,685 4,005 4,252 3,664 4,349 4,387 Quasi Monetary Deposits 663,090 689,017 729,523 750,920 767,331 759,521 767,601 783,220 778,618 774,687 782,513 Time Deposits ( LCY ) 387,835 379,336 378,307 364,826 369,984 370,152 380,107 394,115 384,140 383,522 379,637 Savings Deposits ( LCY ) 81,292 95,357 106,090 115,257 118,956 119,922 119,914 118,412 119,898 120,472 122,018 Other Deposits ( FCY ) 193,963 214,324 245,126 270,837 278,391 269,447 267,580 270,693 274,580 270,693 280,858 Government Deposits ( LCY + FCY ) 159,655 187,045 155,613 185,036 192,042 194,785 199,224 210,009 203,219 200,627 231,261 Other Domestic Deposits ( LCY + FCY ) ** 15,774 17,744 21,021 20,651 19,700 20,065 20,237 22,033 22,652 21,904 22,982 Government Lending Funds *** 15,080 17,702 19,614 21,197 22,005 22,554 Capital and Reserves 244,729 268,016 286,272 307,830 298,288 302,729 327,095 337,348 339,082 336,707 316,306 Due to Central Bank 4,215 1,311 560 1,157 2,187 980 2,681 6,165 13,523 6,619 7,150 Due to Resident Banks 52,890 42,497 47,136 54,798 56,278 50,402 50,869 48,925 50,464 48,036 47,068 Capital Market Funding & Term Borrowings 7,699 9,286 14,079 25,170 26,429 18,639 18,818 18,753 18,747 20,577 22,414 413,593 489,550 586,270 596,969 584,300 555,911 583,706 595,831 582,565 599,389 580,068 Due to H.O and/or Branches Abroad 68,489 70,683 87,748 50,759 49,493 53,966 57,743 62,891 48,599 61,525 50,216 Due to Other Banks Abroad 77,829 88,155 129,956 126,954 120,980 101,616 113,037 109,136 99,204 99,569 106,895 Capital Market Funding 84,495 94,671 90,530 87,518 89,919 96,339 120,536 124,024 127,813 133,034 129,902 Other Term Borrowings 18,955 23,554 43,499 67,068 71,300 59,259 46,735 45,951 47,781 48,662 43,419 Other Deposits ( LCY + FCY ) 114,980 153,952 171,492 199,050 188,990 179,856 188,298 191,677 191,019 187,744 189,451 Other Foreign Liabilities 48,845 58,535 63,045 65,620 63,618 64,875 57,357 62,152 68,149 68,855 60,185 218,195 205,585 219,594 238,091 240,734 289,067 248,483 246,873 249,563 258,760 267,795 2,459 5,093 3,538 6,106 6,400 57,761 9,315 6,900 7,883 8,205 7,602 215,736 200,492 216,056 231,985 234,334 231,306 239,168 239,973 241,680 250,555 260,193 97,981 97,277 101,526 110,372 112,297 113,660 115,631 113,295 116,096 118,456 124,059 2,124,062 2,304,869 2,478,225 2,613,611 2,648,293 2,654,327 2,643,207 2,693,807 2,688,150 2,706,971 2,718,271 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 1 - - - - - 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 Page 14
  15. Banks ' Assets Banks' Liabilities and Capital The Aggregated Assets of the Banks registered a month on month increase of 0.4% at the end of March 2018, which was mainly due to the increase in the Foreign Assets , Domestic Investments,Cash and Deposits with the Central Bank and Domestic Credit by 1.5%,0.8%,0.2% and 0.6% respectively, overshadowing the decrease in Due From Resident Banks by 3.7%. The month on month increase on the Liabilities side of the Aggregated Balance Sheet of the Banks at the end of March 2018 was mainly due to the increase in Resident Deposits and Other Liabilities by 2.8% and 3.5% respectively, overshadowing the decreases in Capital and Reserves, Foreign Liabilities and Due to Resident Banks by 6.1%,3.2% and 2% respectively. Aggregated Balance Sheet of Banks - Assets 2700 2700 2700 2400 2400 2400 2100 2100 2100 1800 1800 1800 1500 1500 1500 1200 1200 1200 900 900 900 600 600 600 300 300 0 0 AED Bln Aggregated Balance Sheet of Banks Liabilities & Capital Dec Dec Dec Dec Dec Dec Dec DecDecDecDec Dec MarMar Mar Jun Jun SepJun SepDec SepDec Jan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 2017 2017 2017 Domestic Credit Cash and Deposits with CB Due From Resident Banks Foreign Assets Dec Jan Feb Jan Feb Mar AED Bln 2018 20182018 Domestic Investments Page 15 Dec Dec Dec Dec Dec Dec Dec DecDecDecDecDec MarMar Mar Jun Jun Sep JunSepDec SepDec Jan Dec Jan Feb 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 2017 2017 2017 Resident Deposits Capital and Reserves Due to Resident Banks Foreign Liabilities Jan Feb Mar 2018 20182018 Other Liabilities
  16. Table 9 : Aggregated Balance Sheet of Banks - Assets ( National Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 157,702 176,921 242,005 213,009 216,997 220,356 224,077 243,605 232,671 234,674 236,756 Cash in Hand ( LCY ) 11,374 13,308 13,060 13,290 12,942 14,128 12,079 15,690 13,127 12,332 12,717 Deposits with Central Bank 146,328 163,613 228,945 199,719 204,055 206,228 211,998 227,915 219,544 222,342 224,039 53,064 48,152 39,961 49,204 49,174 42,255 42,655 38,594 39,987 39,303 38,337 Domestic Credit and Investments 1,132,011 1,195,433 1,310,195 1,425,535 1,448,285 1,436,987 1,428,924 1,443,750 1,448,993 1,455,660 1,464,655 a) Credit Facilities 1,026,456 1,087,239 1,192,762 1,281,187 1,298,746 1,292,907 1,283,640 1,289,562 1,295,369 1,299,299 1,306,499 700,963 792,037 870,282 938,131 942,164 946,334 934,851 949,012 951,497 955,327 962,057 23,880 30,831 31,968 31,162 29,032 29,202 29,854 28,478 27,408 27,932 31,453 677,083 761,206 838,314 906,969 913,132 917,132 904,997 920,534 924,089 927,395 930,604 Claims on Government 139,151 145,632 158,927 166,397 172,002 172,896 176,474 170,096 172,175 173,776 174,762 Claims on Official Entities 119,261 131,706 139,587 159,550 166,725 156,257 153,994 152,465 152,426 150,716 149,670 940 441 1,078 2,475 2,854 2,039 2,207 2,483 2,274 2,157 2,262 118,321 131,265 138,509 157,075 163,871 154,218 151,787 149,982 150,152 148,559 147,408 67,081 17,864 23,966 17,109 17,855 17,420 18,321 17,989 19,271 19,480 20,010 67,081 17,864 23,966 17,109 17,855 17,420 18,321 17,989 19,271 19,480 20,010 b) Domestic Investments 105,555 108,194 117,433 144,348 149,539 144,080 145,284 154,188 153,624 156,361 158,156 Unclassified Assets 87,427 95,432 107,858 110,850 104,533 161,957 123,048 129,051 127,624 125,938 120,456 Fixed Assets 21,041 23,641 24,463 25,590 25,868 25,914 27,000 26,609 26,948 27,054 27,146 Inter-Branch Transactions 2,761 6,405 10,943 9,722 5,180 61,563 1,957 10,565 4,647 3,741 2,483 Other Assets 63,625 65,386 72,452 75,538 73,485 74,480 94,091 91,877 96,029 95,143 90,827 299,081 376,137 388,830 439,707 447,702 428,335 457,537 478,447 478,644 484,719 495,206 Due from H.O. and/or Branches Abroad 64,231 71,443 55,802 78,864 83,676 51,285 65,168 82,805 71,488 79,425 88,160 Due from Other Banks Abroad 105,224 108,365 117,429 108,724 113,987 108,049 119,320 118,948 123,082 121,289 121,918 97 130 139 133 113 120 149 170 134 113 122 Securities 72,883 107,405 110,018 122,861 117,182 128,609 133,474 136,537 137,705 134,365 138,710 Credit to Non-Residents 47,374 74,971 82,958 97,430 101,907 110,637 108,690 101,671 102,727 103,866 105,670 Other Foreign Assets 9,272 13,823 22,484 31,695 30,837 29,635 30,736 38,316 43,508 45,661 40,626 1,729,285 1,892,075 2,088,849 2,238,305 2,266,691 2,289,890 2,276,241 2,333,447 2,327,919 2,340,294 2,355,410 Domestic Assets Cash and Deposits with C.B Due From Resident Banks Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Foreign Assets Cash in Hand ( FCY ) Total Assets * Preliminary Page 16
  17. Table 10 : Aggregated Balance Sheet of Banks - Liabilities ( National Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec 2017 Jan 2018 Feb Mar Jun Sep Dec Mar * 262,325 311,649 330,993 348,553 374,093 374,458 362,982 360,527 367,846 376,966 378,583 259,293 308,669 327,113 344,696 369,898 370,313 359,406 356,783 364,560 373,110 374,736 3,032 2,980 3,880 3,857 4,195 4,145 3,576 3,744 3,286 3,856 3,847 Quasi Monetary Deposits 549,992 570,283 625,130 647,679 661,181 658,463 663,447 679,285 675,308 673,327 680,752 Time Deposits ( LCY ) 343,397 332,081 336,084 326,247 330,119 331,471 338,644 352,229 341,539 341,628 338,541 Savings Deposits ( LCY ) 74,538 88,522 99,046 108,217 111,582 112,372 112,065 110,506 111,920 112,487 113,885 Other Deposits ( FCY ) 132,057 149,680 190,000 213,215 219,480 214,620 212,738 216,550 221,849 219,212 228,326 Government Deposits ( LCY + FCY ) 157,109 185,227 153,853 183,662 190,315 193,061 197,462 208,128 201,296 198,719 228,404 Other Domestic Deposits ( LCY + FCY ) ** 10,755 13,424 15,651 15,577 15,656 15,545 15,662 17,183 17,850 17,091 18,182 Government Lending Funds *** 15,080 17,702 19,614 21,197 22,005 22,554 Capital and Reserves 203,245 222,767 238,956 257,772 249,504 255,882 279,705 287,562 289,589 286,449 266,709 Due to Central Bank 3,862 1,153 307 589 713 962 1,282 6,095 12,854 6,614 6,392 Due to Resident Banks 46,752 36,440 42,781 50,065 52,730 47,544 48,403 46,604 48,598 43,509 45,310 Capital Market Funding & Term Borrowings 7,699 9,286 12,965 24,117 25,307 18,584 18,763 18,753 18,747 20,577 22,414 285,721 352,523 463,571 491,458 477,674 453,131 479,500 502,313 485,926 499,969 483,402 Due to H.O and/or Branches Abroad 35,054 41,462 64,759 31,042 25,984 29,840 35,897 38,549 22,660 35,323 23,130 Due to Other Banks Abroad 51,790 62,185 107,375 106,647 95,092 79,320 88,117 95,216 85,210 84,436 93,995 Capital Market Funding 72,393 79,717 76,907 75,543 79,356 86,969 109,329 112,826 116,598 119,975 118,230 Other Term Borrowings 18,955 23,554 41,681 65,598 69,831 57,973 45,449 44,666 46,495 47,377 42,133 Other Deposits ( LCY + FCY ) 80,459 108,532 128,683 160,163 155,981 147,182 155,193 158,466 157,614 154,785 155,648 Other Foreign Liabilities 27,070 37,073 44,166 52,465 51,430 51,847 45,515 52,590 57,349 58,073 50,266 186,745 171,621 185,028 197,636 197,513 249,706 209,035 206,997 209,905 217,073 225,262 2,290 4,830 3,345 5,613 4,665 57,095 9,136 6,749 7,782 7,548 7,482 184,455 166,791 181,683 192,023 192,848 192,611 199,899 200,248 202,123 209,525 217,780 83,278 80,952 81,062 87,050 88,222 88,591 90,056 86,925 89,497 91,672 96,348 1,729,285 1,892,075 2,088,849 2,238,305 2,266,691 2,289,890 2,276,241 2,333,447 2,327,919 2,340,294 2,355,410 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 1 - - - - - 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 Page 17
  18. Table 11 : Aggregated Balance Sheet of Banks - Assets ( Foreign Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 73,205 71,557 62,181 61,358 67,531 65,418 67,086 64,086 55,769 57,069 55,488 Cash in Hand ( LCY ) 2,145 2,148 2,071 1,999 1,740 2,399 1,857 1,980 1,813 1,897 2,053 Deposits with Central Bank 71,060 69,409 60,110 59,359 65,791 63,019 65,229 62,106 53,956 55,172 53,435 Due From Resident Banks 14,820 16,191 13,986 13,912 15,575 14,668 13,809 15,359 16,992 15,722 14,650 Domestic Credit and Investments 180,892 193,469 192,015 176,914 176,890 167,022 166,602 166,910 167,319 169,608 170,015 a) Credit Facilities 176,861 190,381 188,419 173,227 173,662 163,935 163,420 163,134 163,703 165,322 166,252 139,549 146,953 148,203 137,464 138,500 134,196 134,776 137,402 137,445 138,077 138,694 17,972 26,281 21,050 17,448 18,125 16,755 16,442 16,273 15,867 15,598 15,698 121,577 120,672 127,153 120,016 120,375 117,441 118,334 121,129 121,578 122,479 122,996 Claims on Government 6,295 7,439 7,659 5,969 4,847 4,910 5,054 5,332 5,837 6,622 6,319 Claims on Official Entities 28,448 34,470 31,806 27,866 28,095 22,712 21,405 19,796 19,802 19,839 20,495 428 579 468 49 514 1,245 1,267 528 537 587 568 28,020 33,891 31,338 27,817 27,581 21,467 20,138 19,268 19,265 19,252 19,927 2,569 1,519 751 1,928 2,220 2,117 2,185 604 619 784 744 2,569 1,519 751 1,928 2,220 2,117 2,185 604 619 784 744 b) Domestic Investments 4,031 3,088 3,596 3,687 3,228 3,087 3,182 3,776 3,616 4,286 3,763 Unclassified Assets 15,167 15,812 13,574 15,939 16,290 15,160 13,788 13,463 13,670 14,742 14,804 Fixed Assets 515 568 631 654 646 644 637 663 663 675 678 Inter-Branch Transactions 75 42 1 14 10 144 38 35 59 7 42 14,577 15,202 12,942 15,271 15,634 14,372 13,113 12,765 12,948 14,060 14,084 110,693 115,765 107,620 107,183 105,316 102,169 105,681 100,542 106,481 109,536 107,904 Due from H.O. and/or Branches Abroad 50,301 40,282 28,488 23,449 23,256 22,455 21,335 21,637 18,827 20,308 21,328 Due from Other Banks Abroad 26,434 34,353 34,024 37,102 35,610 32,122 33,853 31,162 33,967 36,962 32,403 49 31 64 24 42 44 59 70 65 73 20 Securities 4,220 9,343 19,079 17,950 18,915 18,749 20,824 16,602 21,266 18,501 18,320 Credit to Non-Residents 24,853 25,462 20,892 22,939 22,850 23,771 24,353 25,934 26,110 27,867 29,678 Other Foreign Assets 4,836 6,294 5,073 5,719 4,643 5,028 5,257 5,137 6,246 5,825 6,155 394,777 412,794 389,376 375,306 381,602 364,437 366,966 360,360 360,231 366,677 362,861 Domestic Assets Cash and Deposits with C.B Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Other Assets Foreign Assets Cash in Hand ( FCY ) Total Assets * Preliminary Page 18
  19. Table 12 : Aggregated Balance Sheet of Banks - Liabilities ( Foreign Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 66,817 65,467 67,550 63,239 64,906 65,216 61,511 64,123 61,871 62,699 62,131 66,060 64,804 66,856 62,615 64,068 64,676 61,082 63,615 61,493 62,206 61,591 757 663 694 624 838 540 429 508 378 493 540 Quasi Monetary Deposits 113,098 118,734 104,393 103,241 106,150 101,058 104,154 103,935 103,310 101,360 101,761 Time Deposits ( LCY ) 44,438 47,255 42,223 38,579 39,865 38,681 41,463 41,886 42,601 41,894 41,096 Savings Deposits ( LCY ) 6,754 6,835 7,044 7,040 7,374 7,550 7,849 7,906 7,978 7,985 8,133 Other Deposits ( FCY ) 61,906 64,644 55,126 57,622 58,911 54,827 54,842 54,143 52,731 51,481 52,532 Government Deposits ( LCY + FCY ) 2,546 1,818 1,760 1,374 1,727 1,724 1,762 1,881 1,923 1,908 2,857 Other Domestic Deposits ( LCY + FCY ) ** 5,019 4,320 5,370 5,074 4,044 4,520 4,575 4,850 4,802 4,813 4,800 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 41,484 45,249 47,316 50,058 48,784 46,847 47,390 49,786 49,493 50,258 49,597 Due to Central Bank 353 158 253 568 1,474 18 1,399 70 669 5 758 6,138 6,057 4,355 4,733 3,548 2,858 2,466 2,321 1,866 4,527 1,758 0 0 1,114 1,053 1,122 55 55 0 0 0 0 127,872 137,027 122,699 105,511 106,626 102,780 104,206 93,518 96,639 99,420 96,666 Due to H.O and/or Branches Abroad 33,435 29,221 22,989 19,717 23,509 24,126 21,846 24,342 25,939 26,202 27,086 Due to Other Banks Abroad 26,039 25,970 22,581 20,307 25,888 22,296 24,920 13,920 13,994 15,133 12,900 Capital Market Funding 12,102 14,954 13,623 11,975 10,563 9,370 11,207 11,198 11,215 13,059 11,672 Other Term Borrowings 0 0 1,818 1,470 1,469 1,286 1,286 1,285 1,286 1,285 1,286 Other Deposits ( LCY + FCY ) 34,521 45,420 42,809 38,887 33,009 32,674 33,105 33,211 33,405 32,959 33,803 Other Foreign Liabilities 21,775 21,462 18,879 13,155 12,188 13,028 11,842 9,562 10,800 10,782 9,919 31,450 33,964 34,566 40,455 43,221 39,361 39,448 39,876 39,658 41,687 42,533 169 263 193 493 1,735 666 179 151 101 657 120 31,281 33,701 34,373 39,962 41,486 38,695 39,269 39,725 39,557 41,030 42,413 14,703 16,325 20,464 23,322 24,075 25,069 25,575 26,370 26,599 26,784 27,711 394,777 412,794 389,376 375,306 381,602 364,437 366,966 360,360 360,231 366,677 362,861 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Government Lending Funds *** Due to Resident Banks Capital Market Funding & Term Borrowings Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 1 Preliminary ** Commercial Prepayment (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements *** Refinancing of Housing Loans to Nationals under various schemes of Federal & Emirates Governments 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense Page 19
  20. Table 13 : Aggregated Balance Sheet of Banks - Assets ( Conventional Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 174,972 201,149 250,401 217,432 220,057 224,300 225,805 231,152 216,245 216,582 212,719 9,491 10,268 10,126 10,824 9,954 11,528 9,930 13,288 10,366 9,887 10,699 165,481 190,881 240,275 206,608 210,103 212,772 215,875 217,864 205,879 206,695 202,020 51,624 47,948 39,256 46,357 49,297 39,788 41,332 38,130 40,598 41,547 38,474 1,072,452 1,105,043 1,172,928 1,243,382 1,258,282 1,234,818 1,221,253 1,239,531 1,243,921 1,252,221 1,257,000 991,557 1,024,528 1,086,957 1,136,236 1,147,601 1,127,396 1,112,522 1,123,105 1,128,445 1,134,175 1,139,910 671,785 727,461 766,892 803,699 803,760 799,830 785,012 805,649 807,152 811,576 816,277 41,378 56,961 52,973 48,610 47,157 45,957 46,296 44,751 43,275 43,530 47,151 630,407 670,500 713,919 755,089 756,603 753,873 738,716 760,898 763,877 768,046 769,126 Claims on Government 133,965 143,408 156,918 163,058 167,405 167,937 170,402 163,466 166,128 168,420 169,352 Claims on Official Entities 123,460 140,744 142,670 153,531 160,407 144,009 140,473 139,277 139,114 137,728 137,336 1,368 1,020 1,545 2,524 3,368 3,284 3,474 3,011 2,811 2,744 2,830 122,092 139,724 141,125 151,007 157,039 140,725 136,999 136,266 136,303 134,984 134,506 62,347 12,915 20,477 15,948 16,029 15,620 16,635 14,713 16,051 16,451 16,945 62,347 12,915 20,477 15,948 16,029 15,620 16,635 14,713 16,051 16,451 16,945 b) Domestic Investments 80,895 80,515 85,971 107,146 110,681 107,422 108,731 116,426 115,476 118,046 117,090 Unclassified Assets 80,627 87,296 95,547 101,632 96,120 152,557 110,590 115,371 114,907 114,651 110,003 Fixed Assets 16,038 17,369 18,904 20,169 20,425 20,950 21,861 21,444 21,751 21,819 21,878 Inter-Branch Transactions 1,818 3,943 8,493 8,829 5,188 61,584 1,839 10,276 3,975 3,748 2,525 Other Assets 62,771 65,984 68,150 72,634 70,507 70,023 86,890 83,651 89,181 89,084 85,600 380,338 459,492 455,942 499,309 503,092 473,379 504,448 519,452 532,430 538,341 541,416 Due from H.O. and/or Branches Abroad 106,001 111,142 83,937 101,780 106,453 73,011 84,927 103,219 89,187 98,589 108,128 Due from Other Banks Abroad 124,754 132,936 137,818 133,956 137,144 127,903 141,738 136,343 148,682 147,709 141,888 134 136 170 125 129 129 165 220 180 167 124 Securities 69,828 106,476 115,010 123,128 117,590 124,288 132,651 133,347 139,339 132,910 134,762 Credit to Non-Residents 65,703 88,918 91,694 103,364 106,646 113,733 109,391 103,217 105,646 108,233 110,153 Other Foreign Assets 13,918 19,884 27,313 36,956 35,130 34,315 35,576 43,106 49,396 50,733 46,361 1,760,013 1,900,928 2,014,074 2,108,112 2,126,848 2,124,842 2,103,428 2,143,636 2,148,101 2,163,342 2,159,612 Domestic Assets Cash and Deposits with C.B Cash in Hand ( LCY ) Deposits with Central Bank Due From Resident Banks Domestic Credit and Investments a) Credit Facilities Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Foreign Assets Cash in Hand ( FCY ) Total Assets * Preliminary Page 20
  21. Table 14 : Aggregated Balance Sheet of Banks - Liabilities ( Conventional Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 273,476 305,665 316,502 324,457 346,285 343,232 332,767 336,520 338,356 346,466 345,511 270,374 302,974 313,053 321,413 342,379 339,653 329,625 333,088 335,531 343,004 342,486 3,102 2,691 3,449 3,044 3,906 3,579 3,142 3,432 2,825 3,462 3,025 Quasi Monetary Deposits 522,378 524,835 540,100 545,884 556,675 547,916 552,564 557,251 559,103 556,048 559,081 Time Deposits ( LCY ) 301,111 285,899 285,647 263,269 265,448 265,507 270,299 276,752 269,942 268,900 265,466 Savings Deposits ( LCY ) 39,763 44,044 47,198 49,217 50,964 50,951 50,804 50,218 50,798 51,305 52,062 Other Deposits ( FCY ) 181,504 194,892 207,255 233,398 240,263 231,458 231,461 230,281 238,363 235,843 241,553 Government Deposits ( LCY + FCY ) 117,254 147,252 105,230 141,286 142,587 143,710 145,362 157,150 149,275 147,923 175,018 Other Domestic Deposits ( LCY + FCY ) ** 13,397 14,369 16,286 16,124 15,232 15,774 16,004 17,127 17,847 17,511 17,326 Government Lending Funds *** 15,080 17,702 19,614 21,197 22,005 22,554 0 0 0 0 0 Capital and Reserves 209,442 228,567 244,093 258,378 249,405 252,748 275,427 283,667 284,963 284,952 266,904 Due to Central Bank 3,601 990 290 589 1,569 174 1,832 810 11,787 5,819 1,050 Due to Resident Banks 44,154 33,898 35,751 38,255 42,415 35,399 30,694 31,712 38,484 37,042 34,220 Capital Market Funding & Term Borrowings 2,190 3,777 3,979 3,783 8,736 2,782 2,960 2,893 2,888 2,880 2,881 394,547 467,086 565,948 576,585 558,172 528,588 554,710 565,157 552,392 564,519 545,965 Due to H.O and/or Branches Abroad 68,146 70,001 87,559 50,525 49,331 53,774 57,430 62,695 48,342 61,235 49,874 Due to Other Banks Abroad 74,005 83,783 125,504 119,146 114,506 95,601 105,500 100,352 91,835 91,036 97,465 Capital Market Funding 74,772 84,946 81,723 84,856 81,726 88,147 111,978 115,468 121,093 124,478 123,183 Other Term Borrowings 18,955 23,554 43,499 67,068 71,300 59,259 46,735 45,951 47,781 48,662 43,419 Other Deposits ( LCY + FCY ) 109,901 147,042 164,814 189,644 178,064 167,286 176,090 178,860 175,593 170,686 172,331 Other Foreign Liabilities 48,768 57,760 62,849 65,346 63,245 64,521 56,977 61,831 67,748 68,422 59,693 164,494 156,787 166,281 181,574 183,767 231,965 191,108 191,349 193,006 200,182 211,656 1,837 5,093 3,538 6,106 6,400 57,748 9,315 6,879 7,862 8,032 7,567 162,657 151,694 162,743 175,468 177,367 174,217 181,793 184,470 185,144 192,150 204,089 77,762 75,842 78,483 85,011 86,389 87,603 89,096 90,943 93,366 95,645 100,047 1,760,013 1,900,928 2,014,074 2,108,112 2,126,848 2,124,842 2,103,428 2,143,636 2,148,101 2,163,342 2,159,612 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 1 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 Page 21
  22. Table 15 : Aggregated Balance Sheet of Banks - Assets ( Islamic Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec Mar Jun 2017 Sep Dec Jan 2018 Feb Mar * 55,935 47,329 53,785 56,935 64,471 61,474 65,358 76,539 72,195 75,161 79,525 Cash in Hand ( LCY ) 4,028 5,188 5,005 4,465 4,728 4,999 4,006 4,382 4,574 4,342 4,071 Deposits with Central Bank 51,907 42,141 48,780 52,470 59,743 56,475 61,352 72,157 67,621 70,819 75,454 Due From Resident Banks 16,260 16,395 14,691 16,759 15,452 17,135 15,132 15,823 16,381 13,478 14,513 Domestic Credit and Investments 240,451 283,859 329,282 359,067 366,893 369,191 374,273 371,129 372,391 373,047 377,670 a) Credit Facilities 211,760 253,092 294,224 318,178 324,807 329,446 334,538 329,591 330,627 330,446 332,841 168,727 211,529 251,593 271,896 276,904 280,700 284,615 280,765 281,790 281,828 284,474 474 151 45 0 0 0 0 0 0 0 0 168,253 211,378 251,548 271,896 276,904 280,700 284,615 280,765 281,790 281,828 284,474 Claims on Government 11,481 9,663 9,668 9,308 9,444 9,869 11,126 11,962 11,884 11,978 11,729 Claims on Official Entities 24,249 25,432 28,723 33,885 34,413 34,960 34,926 32,984 33,114 32,827 32,829 0 0 1 0 0 0 0 0 0 0 0 24,249 25,432 28,722 33,885 34,413 34,960 34,926 32,984 33,114 32,827 32,829 7,303 6,468 4,240 3,089 4,046 3,917 3,871 3,880 3,839 3,813 3,809 7,303 6,468 4,240 3,089 4,046 3,917 3,871 3,880 3,839 3,813 3,809 b) Domestic Investments 28,691 30,767 35,058 40,889 42,086 39,745 39,735 41,538 41,764 42,601 44,829 Unclassified Assets 21,967 23,948 25,885 25,157 24,703 24,560 26,246 27,143 26,387 26,029 25,257 Fixed Assets 5,518 6,840 6,190 6,075 6,089 5,608 5,776 5,828 5,860 5,910 5,946 Inter-Branch Transactions 1,018 2,504 2,451 907 2 123 156 324 731 0 0 Other Assets 15,431 14,604 17,244 18,175 18,612 18,829 20,314 20,991 19,796 20,119 19,311 29,436 32,410 40,508 47,581 49,926 57,125 58,770 59,537 52,695 55,914 61,694 Due from H.O. and/or Branches Abroad 8,531 583 353 533 479 729 1,576 1,223 1,128 1,144 1,360 Due from Other Banks Abroad 6,904 9,782 13,635 11,870 12,453 12,268 11,435 13,767 8,367 10,542 12,433 12 25 33 32 26 35 43 20 19 19 18 Securities 7,275 10,272 14,087 17,683 18,507 23,070 21,647 19,792 19,632 19,956 22,268 Credit to Non-Residents 6,524 11,515 12,156 17,005 18,111 20,675 23,652 24,388 23,191 23,500 25,195 190 233 244 458 350 348 417 347 358 753 420 364,049 403,941 464,151 505,499 521,445 529,485 539,779 550,171 540,049 543,629 558,659 Domestic Assets Cash and Deposits with C.B Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Foreign Assets Cash in Hand ( FCY ) Other Foreign Assets Total Assets * Preliminary Page 22
  23. Table 16 : Aggregated Balance Sheet of Banks - Liabilities ( Islamic Banks ) (In Millions of AED) Item 2013 Dec 2014 Dec 2015 Dec 2016 Dec 2017 Jan 2018 Feb Mar Jun Sep Dec Mar * 55,666 71,451 82,041 87,335 92,714 96,442 91,726 88,130 91,361 93,199 95,203 54,979 70,499 80,916 85,898 91,587 95,336 90,863 87,310 90,522 92,312 93,841 687 952 1,125 1,437 1,127 1,106 863 820 839 887 1,362 Quasi Monetary Deposits 140,712 164,182 189,423 205,036 210,656 211,605 215,037 225,969 219,515 218,639 223,432 Time Deposits ( LCY ) 86,724 93,437 92,660 101,557 104,536 104,645 109,808 117,363 114,198 114,622 114,171 Savings Deposits ( LCY ) 41,529 51,313 58,892 66,040 67,992 68,971 69,110 68,194 69,100 69,167 69,956 Other Deposits ( FCY ) 12,459 19,432 37,871 37,439 38,128 37,989 36,119 40,412 36,217 34,850 39,305 Government Deposits ( LCY + FCY ) 42,401 39,793 50,383 43,750 49,455 51,075 53,862 52,859 53,944 52,704 56,243 Other Domestic Deposits ( LCY + FCY ) ** 2,377 3,375 4,735 4,527 4,468 4,291 4,233 4,906 4,805 4,393 5,656 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 35,287 39,449 42,179 49,452 48,883 49,981 51,668 53,681 54,119 51,755 49,402 Due to Central Bank 614 321 270 568 618 806 849 5,355 1,736 800 6,100 Due to Resident Banks 8,736 8,599 11,385 16,543 13,863 15,003 20,175 17,213 11,980 10,994 12,848 Capital Market Funding & Term Borrowings 5,509 5,509 10,100 21,387 17,693 15,857 15,858 15,860 15,859 17,697 19,533 19,046 22,464 20,322 20,384 26,128 27,323 28,996 30,674 30,173 34,870 34,103 343 682 189 234 162 192 313 196 257 290 342 Due to Other Banks Abroad 3,824 4,372 4,452 7,808 6,474 6,015 7,537 8,784 7,369 8,533 9,430 Capital Market Funding 9,723 9,725 8,807 2,662 8,193 8,192 8,558 8,556 6,720 8,556 6,719 Other Term Borrowings 0 0 0 0 0 0 0 0 0 0 0 5,079 6,910 6,678 9,406 10,926 12,570 12,208 12,817 15,426 17,058 17,120 77 775 196 274 373 354 380 321 401 433 492 53,701 48,798 53,313 56,517 56,967 57,102 57,375 55,524 56,557 58,578 56,139 622 0 0 0 0 13 0 21 21 173 35 53,079 48,798 53,313 56,517 56,967 57,089 57,375 55,503 56,536 58,405 56,104 20,219 21,435 23,043 25,361 25,908 26,057 26,535 22,352 22,730 22,811 24,012 364,049 403,941 464,151 505,499 521,445 529,485 539,779 550,171 540,049 543,629 558,659 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Government Lending Funds *** Foreign Liabilities Due to H.O and/or Branches Abroad Other Deposits ( LCY + FCY ) Other Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 1 Preliminary ** Commercial Prepayment (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements *** Refinancing of Housing Loans to Nationals under various schemes of Federal & Emirates Governments 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense Page 23
  24. Table 17 : Aggregated Memoranda Accounts of Banks (In Millions of AED) Item 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Letters of Credit 114,919 132,425 110,897 96,678 89,799 86,820 87,932 84,647 86,685 83,403 86,294 Guarantees 316,539 351,734 373,399 387,131 385,370 391,593 385,902 384,475 388,980 389,389 391,560 Commitments 130,353 173,961 185,767 188,144 186,883 186,487 181,418 197,290 193,628 193,316 186,927 FX Derivatives 864,775 920,848 682,430 443,390 479,046 588,925 545,481 497,028 484,250 528,872 439,424 1,355,319 1,416,267 1,427,143 1,881,570 1,939,173 2,005,898 2,047,835 1,941,968 1,981,566 2,101,161 2,123,707 Others Derivatives 117,265 150,882 115,200 48,069 61,567 52,967 48,371 42,126 48,038 478,940 62,615 Other Memoranda Items 27,545 69,769 52,636 37,946 45,854 47,609 51,910 27,576 52,325 51,096 28,941 2,926,715 3,215,886 2,947,472 3,082,928 3,187,692 3,360,299 3,348,849 3,175,110 3,235,472 3,826,177 3,319,468 Off-Balance Sheet Items Interest Rate Derivatives Total Memoranda Accounts * Preliminary Page 24
  25. Table 18 : Banks' Foreign Assets and Liabilities (In Millions of AED) 2015 Dec 2016 Dec Jan 2018 Feb Mar Jun Sep Dec Mar * Foreign Assets 496,450 546,890 553,018 530,504 563,218 578,989 585,125 594,255 603,110 Notes and Coins 203 157 155 164 208 240 199 186 142 Due from H.O and Branches 84,290 102,313 106,932 73,740 86,503 104,442 90,315 99,733 109,488 Due from Other Banks Abroad 151,453 145,826 149,597 140,171 153,173 150,110 157,049 158,251 154,321 64,459 61,219 59,624 65,749 77,590 79,207 79,093 82,560 78,686 - Term Placements 46,731 50,108 54,054 43,793 42,573 40,923 45,785 44,657 44,364 - Term Loans 40,263 34,499 35,919 30,629 33,010 29,980 32,171 31,034 31,271 Securities 129,097 140,811 136,097 147,358 154,298 153,139 158,971 152,866 157,030 Loans and Advances 103,850 120,369 124,757 134,408 133,043 127,605 128,837 131,733 135,348 Other Foreign Assets 27,557 37,414 35,480 34,663 35,993 43,453 49,754 51,486 46,781 Foreign Liabilities 586,270 596,969 584,300 555,911 583,706 595,831 582,565 599,389 580,068 Due to H.O and/or Branches Abroad 87,748 50,759 49,493 53,966 57,743 62,891 48,599 61,525 50,216 Due to Other Banks Abroad 129,956 126,954 120,980 101,616 113,037 109,136 99,204 99,569 106,895 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 55,750 51,060 48,733 51,012 59,584 54,141 52,020 51,975 54,197 - Inter Bank Borrowings 62,695 56,922 54,077 35,136 38,437 38,819 31,888 32,555 37,918 - Other Term Borrowings 11,511 18,972 18,170 15,468 15,016 16,176 15,296 15,039 14,780 Capital Market Funding 90,530 87,518 89,919 96,339 120,536 124,024 127,813 133,034 129,902 Other Term Borrowings 43,499 67,068 71,300 59,259 46,735 45,951 47,781 48,662 43,419 Other Deposits 171,492 199,050 188,990 179,856 188,298 191,677 191,019 187,744 189,451 - Demand Deposits 32,826 39,323 34,895 35,392 34,630 35,065 35,906 33,894 37,528 - Time Deposits 114,072 135,923 128,861 119,604 126,959 129,508 127,655 125,906 123,631 - Savings Deposits 20,733 21,524 21,983 22,098 21,466 20,087 19,998 20,218 20,615 334 360 1,145 382 486 323 314 313 232 3,527 1,920 2,106 2,380 4,757 6,694 7,146 7,413 7,445 63,045 65,620 63,618 64,875 57,357 62,152 68,149 68,855 60,185 Item - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase 2017 Agreement - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 25
  26. Banks ' Foreign Assets Foreign Assets account for 22.2% share of the Total Assets of the Banks as at the end of March 2018. Foreign Assets of the Banks increased month on month by 1.5% at the end of March 2018, which was driven mainly by the increase in Due from Head Office and Branches Abroad, Loans and Advances and Securities, overshadowing the decrease in Due from Other Banks Abroad & Other Foreign Assets. Banks' Foreign Liabilities Foreign Liabilities account for 21.3% share of the Total Liabilities and Capital of the Banks as at the end of March 2018. Foreign Liabilities of the Banks decreased month on month by 3.2% at the end of March 2018, which was mainly due to the decrease in Due to Head office and Branches abroad, Capital Market Funding, Other Term Borrowings and Other Foreign Liabilities , overshadowing the increase in Due to Other Banks Abroad and Non Resident Deposits. Foreign Assets of Banks Foreign Liabilities of Banks 160 200 180 140 160 120 140 100 120 80 100 80 60 60 40 40 20 20 0 0 Dec Dec Dec AED Bln 2015 2015 2015 Dec Dec Dec MarMarMarJun Jun Sep Jun Sep DecSep DecJan DecJan Feb 2016 2016 2016 20172017 2017 Due from H.O and Branches Due from Other Banks Abroad Loans and Advances Other Foreign Assets Jan Feb Mar 201820182018 Dec Dec Dec Dec Dec Dec MarMarMarJun Jun Sep Jun Sep DecSep DecJan DecJan Feb 2015 2015 2015 2016 2016 2016 20172017 2017 Due to H.O and Branches Due to Other Banks Abroad Capital Market Funding Other Term Borrowings Other Deposits Other Foreign Liabiities AED Bln Securities Page 26 Jan Feb Mar 201820182018
  27. Table 19 : Domestic Credit ( All Banks ) * (In Millions of AED) 2017 2018 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** Government 145,446 153,071 166,586 172,366 176,849 177,806 181,528 175,428 178,012 180,398 181,081 Public Sector 147,709 166,176 171,393 187,416 194,820 178,969 175,399 172,261 172,228 170,555 170,165 Private Sector 910,162 958,373 1,043,201 1,094,631 1,100,739 1,100,066 1,090,133 1,105,007 1,108,832 1,113,668 1,121,505 Financial Institutions 69,650 19,383 24,717 19,037 20,075 19,537 20,506 18,593 19,890 20,264 20,754 Insurance Companies 1,072 1,191 1,237 1,515 1,068 1,428 1,597 1,328 1,334 1,340 1,383 559,356 638,039 686,518 726,913 730,302 727,183 732,931 747,556 750,333 755,009 762,824 280,084 299,760 330,729 347,166 349,294 351,918 335,099 337,530 337,275 337,055 336,544 1,203,317 1,277,620 1,381,180 1,454,413 1,472,407 1,456,841 1,447,060 1,452,696 1,459,072 1,464,621 1,472,751 Item Business and Industrial Sector Others Total 1 * 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 other private sector loans reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans Page 27
  28. Banks ' Domestic Credit Banks' Foreign Credit Domestic Credit account for 91.6% share of the total credit portfolio of the Foreign Credit account for 8.4% share of the total credit portfolio of the Banks as at the Banks as at the end of March 2018. Domestic Credit increased month on end of March 2018. Foreign Credit increased month on month by 2.7% at the end of month by 0.6% at the end of March 2018, which was mainly driven by the March 2018, which was mainly driven by the increase in credit to Private & Government increase in credit to the Private Sector - Corporate by 1.1%. Sector. Domestic Credit - Banks Foreign Credit - Banks 1500 1400 140 130 1300 130 120 1200 300 120 110 110 100 100 90 90 80 80 70 70 60 60 50 50 40 40 30 30 200 20 20 100 10 0 0 1100 1000 900 800 700 600 500 400 Dec Dec Dec Dec Dec Dec Dec DecDec DecDecDec MarMar Mar Jun Jun Sep Jun SepDec Sep Dec Jan Dec Jan Feb Jan Feb Mar AED Bln Dec Dec Dec Dec Dec Dec Dec DecDec DecDec Dec MarMar Mar Jun Jun Sep Jun SepDec Sep Dec Jan 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 Dec Jan Feb Jan Feb Mar AED Bln 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 2017 2017 2017 2018 20182018 Private Sector - Corporate Private Sector - Retail Public Sector Credit Government Sector Credit Page 28 2017 2017 2017 2018 20182018 Private Sector - Corporate Private Sector - Retail Public Sector Credit Government Sector Credit
  29. Table 20 : Domestic Credit ( National Banks ) * (In Millions of AED) 2017 2018 2013 2014 2015 2016 Item Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Government 139,151 145,632 158,927 166,397 172,002 172,896 176,474 170,096 172,175 173,776 174,762 Public Sector 119,261 131,706 139,587 159,550 166,725 156,257 153,994 152,465 152,426 150,716 149,670 Private Sector 768,044 809,901 894,248 955,240 960,019 963,754 953,172 967,000 970,768 974,807 982,068 67,081 17,864 23,966 17,109 17,855 17,420 18,321 17,989 19,271 19,480 20,010 1,064 1,161 1,186 1,413 965 1,319 1,484 1,219 1,226 1,231 1,203 Business and Industrial Sector 458,140 527,935 573,973 622,419 624,234 625,168 630,136 642,787 645,309 649,267 656,389 Others 1 241,759 262,941 295,123 314,299 316,965 319,847 303,231 305,006 304,962 304,829 304,466 1,026,456 1,087,239 1,192,762 1,281,187 1,298,746 1,292,907 1,283,640 1,289,562 1,295,369 1,299,299 1,306,500 Financial Institutions Insurance Companies Total Mar ** * 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 other private sector loans reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans Page 29
  30. Table 21 : Domestic Credit ( Foreign Banks ) * (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** Government 6,295 7,439 7,659 5,969 4,847 4,910 5,054 5,332 5,837 6,622 6,319 Public Sector 28,448 34,470 31,806 27,866 28,095 22,712 21,405 19,796 19,802 19,839 20,495 Private Sector 142,118 148,472 148,953 139,391 140,720 136,312 136,961 138,006 138,064 138,861 139,437 2,569 1,519 751 1,928 2,220 2,117 2,185 604 619 784 744 8 30 51 102 103 109 113 109 108 109 180 Business and Industrial Sector 101,216 110,104 112,545 104,494 106,068 102,015 102,795 104,769 105,024 105,742 106,435 Others 38,325 36,819 35,606 32,867 32,329 32,071 31,868 32,524 32,313 32,226 32,078 Total 176,861 190,381 188,418 173,226 173,661 163,934 163,420 163,134 163,703 165,322 166,251 Item Financial Institutions Insurance Companies 2017 2018 * 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 Page 30
  31. Table 22 : Domestic Credit ( Conventional Banks ) * (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** Government 133,965 143,408 156,918 163,058 167,405 167,937 170,402 163,466 166,128 168,420 169,352 Public Sector 123,460 140,744 142,670 153,531 160,407 144,009 140,473 139,277 139,114 137,728 137,336 Private Sector 734,132 740,376 787,369 819,647 819,789 815,450 801,647 820,362 823,203 828,027 833,222 Financial Institutions 62,347 12,915 20,477 15,948 16,029 15,620 16,635 14,713 16,051 16,451 16,945 Insurance Companies 1,061 1,179 1,066 1,454 1,044 1,374 1,573 1,306 1,312 1,320 1,363 Business and Industrial Sector 471,154 524,529 547,582 579,102 579,028 574,022 577,059 595,515 597,481 601,896 607,003 Others 1 199,570 201,753 218,244 223,143 223,688 224,434 206,380 208,828 208,359 208,360 207,911 Total 991,557 1,024,528 1,086,957 1,136,236 1,147,601 1,127,396 1,112,522 1,123,105 1,128,445 1,134,175 1,139,910 Item 2017 2018 * 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 other private sector loans reflects accounting adjustments made by banks to set-off the amount of refinancing against related personal loans Page 31
  32. Table 23 : Domestic Credit ( Islamic Banks ) * (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** Government 11,481 9,663 9,668 9,308 9,444 9,869 11,126 11,962 11,884 11,978 11,729 Public Sector 24,249 25,432 28,723 33,885 34,413 34,960 34,926 32,984 33,114 32,827 32,829 Private Sector 176,030 217,997 255,832 274,984 280,950 284,616 288,486 284,645 285,629 285,641 288,283 7,303 6,468 4,240 3,089 4,046 3,917 3,871 3,880 3,839 3,813 3,809 11 12 171 61 24 54 24 22 22 20 20 Business and Industrial Sector 88,202 113,510 138,936 147,811 151,274 153,161 155,872 152,041 152,852 153,113 155,821 Others 80,514 98,007 112,485 124,023 125,606 127,484 128,719 128,701 128,916 128,695 128,633 Total 211,760 253,092 294,223 318,177 324,806 329,445 334,538 329,591 330,627 330,446 332,841 Item Financial Institutions Insurance Companies 2017 2018 * 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 Page 32
  33. Table 24 : Bank Credit to Residents by Economic Activity ( Quarterly ) (In Millions of AED) End of Period 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Mar * 1) Agriculture 3,092 2,698 1,559 1,374 1,165 1,136 1,223 2,127 2,040 2) Mining and Quarrying 15,653 9,181 11,922 13,550 19,001 13,912 12,175 12,101 12,059 3) Manufacturing 58,032 65,140 69,110 69,300 68,277 70,339 72,016 75,236 75,530 5,549 6,463 6,516 5,817 6,981 7,793 7,164 7,043 6,861 Economic Activity 3.1 Food , Beverages and Tobacco 3.2 Textile and Leather Products 2017 2018 739 1,100 1,477 1,365 1,347 1,237 1,332 1,284 1,368 3.3 Furniture and Other Wood Products 4,110 1,789 2,528 2,403 2,482 2,428 2,660 2,786 3,296 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 1,006 1,341 1,992 1,958 1,970 1,789 2,036 2,374 2,443 8,333 12,693 17,480 17,266 16,479 12,943 13,169 16,123 16,421 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 13,966 15,428 12,524 13,683 13,537 13,239 13,485 14,501 14,185 4,444 6,724 6,869 6,857 6,496 11,298 13,283 13,245 12,543 3.8 Other Manufactured Products 19,885 19,602 19,724 19,951 18,985 19,612 18,887 17,880 18,413 4) Electricity, Gas and Water 21,864 18,937 20,482 18,455 18,097 17,397 16,953 16,735 18,901 5) Construction and Real Estate 204,351 212,550 235,010 264,762 267,028 281,214 295,186 298,126 300,549 6) Trade 146,847 155,761 161,689 155,821 152,319 149,523 147,721 152,769 157,148 6.1 Wholesale 89,181 106,160 114,877 108,703 107,484 99,119 95,090 103,243 105,840 6.2 Retail 57,666 49,601 46,812 47,118 44,835 50,404 52,631 49,526 51,308 36,423 56,494 59,155 63,507 60,447 63,128 63,738 54,935 52,742 113,580 131,824 135,599 145,561 151,903 138,931 130,293 127,499 133,626 144,030 135,982 157,493 162,727 167,075 162,916 165,173 168,251 172,891 95,626 102,988 95,812 94,799 94,550 83,037 84,814 79,991 82,029 264,981 289,889 320,700 339,234 342,572 349,071 324,849 326,648 326,015 98,838 96,176 112,649 125,323 129,973 126,237 132,919 138,278 139,221 1,203,317 1,277,620 1,381,180 1,454,413 1,472,407 1,456,841 1,447,060 1,452,696 1,472,751 7) Transport, Storage and Communication 8) Financial Institutions 9) Government 10) Personal Loans for Business Purposes 1 11) Personal Loans for Consumption Purposes 2 12) All Others 3 Total 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 Page 33
  34. Table 25 : Bank Credit to Non - Residents by Economic Activity ( Quarterly ) (In Millions of AED) End of Period 2013 2014 2015 2016 2017 2018 Economic Activity Dec Dec Dec Dec Mar Jun Sep Dec Mar * 1) Agriculture 186 183 35 53 50 51 48 45 50 2) Mining and Quarrying 2,527 6,427 7,919 7,844 7,348 6,726 5,731 6,216 6,439 3) Manufacturing 8,975 12,716 15,533 69,300 14,658 12,791 13,333 12,753 13,486 3.1 Food , Beverages and Tobacco 796 1,022 482 693 698 721 906 959 912 3.2 Textile and Leather Products 145 218 340 304 442 492 624 862 768 3.3 Furniture and Other Wood Products 217 70 15 359 320 318 318 324 324 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 28 8 9 11 11 11 12 12 38 3,622 6,094 9,163 6,803 7,461 6,257 6,144 5,799 6,403 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 1,732 2,015 2,606 2,515 2,725 2,584 2,450 2,145 2,452 221 896 526 160 155 976 1,286 1,341 1,305 3.8 Other Manufactured Products 2,214 2,393 2,392 2,999 2,846 1,432 1,593 1,311 1,284 4) Electricity, Gas and Water 1,733 2,679 2,174 3,402 3,000 3,007 3,709 3,498 6,018 5) Construction and Real Estate 7,332 8,163 8,346 10,797 11,319 10,990 12,393 10,910 9,296 6) Trade 17,536 13,813 9,169 155,821 8,815 9,604 10,581 11,263 11,379 6.1 Wholesale 9,369 8,148 6,303 6,335 6,187 5,875 5,860 5,866 6,338 6.2 Retail 8,167 5,665 2,866 2,948 2,628 3,729 4,721 5,397 5,041 7) Transport, Storage and Communication 6,758 11,924 15,288 22,623 23,057 26,842 27,898 26,422 28,949 8) Financial Institutions 6,837 27,694 22,991 25,750 27,819 31,881 29,336 25,543 24,987 9) Government 856 774 3,651 2,620 2,663 3,037 4,241 4,548 6,180 2,730 1,794 1,350 3,486 3,890 8,296 3,394 2,460 2,991 2,508 2,993 3,484 4,018 4,219 4,411 3,708 3,853 3,946 14,249 11,273 13,910 16,649 17,919 16,772 18,671 20,094 21,627 72,227 100,433 103,850 120,369 124,757 134,408 133,043 127,605 135,348 10) Personal Loans for Business Purposes 1 11) Personal Loans for Consumption Purposes 12) All Others 2 Total 1 Including credit to High Net-Worth Individuals. 2 Including Credit to the Service Sector and Non-Profit Institutions * Preliminary Page 34
  35. Table 26 : Deposits distributed Residents / Non Residents ( All Banks )* (In Millions of AED) Item (1) (2) Residents 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** 1,163,872 1,267,279 1,300,126 1,363,899 1,413,021 1,409,283 1,407,505 1,435,600 1,430,498 1,432,392 1,472,992 1.1 Corporate 472,876 517,415 563,100 592,181 593,486 575,424 588,818 604,435 597,814 601,527 600,333 1.2 Individuals 317,251 351,336 360,741 388,271 404,785 408,192 403,052 396,550 400,147 401,195 407,410 1.3 Government 161,300 188,819 157,438 186,847 194,023 196,814 201,199 211,977 205,200 202,605 233,226 1.4 GREs 173,555 173,352 190,755 168,365 191,979 189,571 183,041 191,530 194,910 196,682 201,342 1.5 Non Banking Financial Institutions 38,890 36,357 28,092 28,235 28,748 39,282 31,395 31,108 32,427 30,383 30,681 114,980 153,951 171,492 199,050 188,990 179,856 188,298 191,677 191,019 187,744 189,451 Non-Residents 2.1 Corporate 49,187 62,599 72,807 88,352 84,003 80,304 82,531 88,310 85,486 81,514 79,909 2.2 Non Banking Financial Institutions 35,813 40,774 57,606 70,150 63,218 58,773 62,752 66,096 65,953 66,380 70,078 2.3 Individuals 22,249 26,750 27,492 28,084 28,608 28,897 27,924 26,497 25,713 25,842 25,680 2.4 Government and Non Commercial Entities 7,731 23,828 13,587 12,464 13,161 11,882 15,091 10,774 13,867 14,008 13,784 1,278,852 1,421,230 1,471,618 1,562,949 1,602,011 1,589,139 1,595,803 1,627,277 1,621,517 1,620,136 1,662,443 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 35
  36. Banks ' Resident Deposits Banks' Non - Resident Deposits Resident Deposits account for 88.6% share of total deposits of the Banks as at the end Non - Resident Deposits account for 11.4% share of total deposits of the Banks as at the of March 2018. Resident Deposits increased month on month by 2.8% at the end of end of March 2018. Non - Resident Deposits increased month on month by 0.9% at the March 2018, which was mainly driven by the increase in the Government Sector, end of March 2018, which was mainly driven by the increase in the deposits from Non Private Retail Sector and GRE deposits by 15.1%,1.5% and 2.4% respectively, Banking Financial Institutions by 5.6%, overshadowing the decrease in deposits from overshadowing the decrease in the Private Corporate Sector deposits by 0.2%. Private Corporate Sector by 2%. Resident ResidentDeposits Deposits- -Banks Banks Non - Resident Deposits - Banks 650 100 600 90 550 80 500 450 70 400 60 350 50 300 250 40 200 30 150 20 100 10 50 0 0 Dec Dec Dec Dec Dec Dec Dec Dec Dec DecDec DecMarMar Mar Jun JunSep Jun SepDec Sep Dec JanDec Jan Feb Jan Mar Feb AED Bln Dec Dec Dec Dec Dec Dec Dec DecDec DecDecDec MarMar Mar Jun Jun Sep JunSepDec SepDec Jan Dec Jan Feb 2013 2013 2013 2014 2014 2014 2015 2015 20152016 20162016 Jan Feb Mar AED Bln 2013 2013 2013 2014 2014 2014 2015 2015 20152016 2016 2016 Private PrivateCorporates Corporates Individuals Individuals 2017 20172017 Government Government 20182018 2018 GREs GREs GREs Private Corporates NBFIs NBFIs NBFIs Page 36 Individuals 2017 2017 2017 Government & GREs 2018 20182018 NBFIs
  37. Table 27 : Deposits distributed Residents / Non Residents ( National Banks ) * (In Millions of AED) Item (1) (2) Residents 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** 977,149 1,077,603 1,121,746 1,191,614 1,237,051 1,237,382 1,235,974 1,261,377 1,259,011 1,262,246 1,302,070 1.1 Corporate 366,591 415,426 465,108 500,627 501,901 484,067 497,762 513,648 510,097 515,774 514,686 1.2 Individuals 252,899 282,782 295,832 322,121 336,924 340,322 336,186 329,301 333,199 333,557 338,541 1.3 Government 158,754 187,002 155,677 185,473 192,296 195,090 199,437 210,096 203,277 200,698 230,369 1.4 GREs 166,335 162,352 181,460 161,042 183,079 183,623 176,370 182,360 185,507 187,173 193,405 1.5 Non Banking Financial Institutions 32,570 30,041 23,669 22,351 22,851 34,280 26,219 25,972 26,931 25,044 25,069 80,459 108,532 128,683 160,163 155,981 147,182 155,193 158,466 157,614 154,785 155,648 Non-Residents 2.1 Corporate 29,676 39,348 49,641 69,658 67,830 63,603 65,138 70,345 68,694 63,999 61,504 2.2 Non Banking Financial Institutions 31,026 32,533 51,100 61,481 57,449 53,385 58,255 61,654 60,859 61,954 65,379 2.3 Individuals 12,718 16,631 17,180 17,997 18,800 19,542 18,876 18,199 17,407 17,601 17,420 2.4 Government and Non Commercial Entities 7,039 20,020 10,762 11,027 11,902 10,652 12,924 8,268 10,654 11,231 11,345 1,057,608 1,186,135 1,250,429 1,351,777 1,393,032 1,384,564 1,391,167 1,419,843 1,416,625 1,417,031 1,457,718 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 37
  38. Table 28 : Deposits distributed Residents / Non Residents ( Foreign Banks ) * (In Millions of AED) Item (1) (2) Residents 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** 186,723 189,676 178,380 172,285 175,970 171,901 171,531 174,223 171,487 170,146 170,922 1.1 Corporate 106,285 101,989 97,992 91,554 91,585 91,357 91,056 90,787 87,717 85,753 85,647 1.2 Individuals 64,352 68,554 64,909 66,150 67,861 67,870 66,866 67,249 66,948 67,638 68,869 1.3 Government 2,546 1,817 1,761 1,374 1,727 1,724 1,762 1,881 1,923 1,907 2,857 1.4 GREs 7,220 11,000 9,295 7,323 8,900 5,948 6,671 9,170 9,403 9,509 7,937 1.5 Non Banking Financial Institutions 6,320 6,316 4,423 5,884 5,897 5,002 5,176 5,136 5,496 5,339 5,612 34,521 45,419 42,809 38,887 33,009 32,674 33,105 33,211 33,405 32,959 33,803 Non-Residents 2.1 Corporate 19,511 23,251 23,166 18,694 16,173 16,701 17,393 17,965 16,792 17,515 18,405 2.2 Non Banking Financial Institutions 4,787 8,241 6,506 8,669 5,769 5,388 4,497 4,442 5,094 4,426 4,699 2.3 Individuals 9,531 10,119 10,312 10,087 9,808 9,355 9,048 8,298 8,306 8,241 8,260 2.4 Government and Non Commercial Entities 692 3,808 2,825 1,437 1,259 1,230 2,167 2,506 3,213 2,777 2,439 221,244 235,095 221,189 211,172 208,979 204,575 204,636 207,434 204,892 203,105 204,725 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 38
  39. Table 29 : Deposits distributed Residents / Non Residents ( Conventional Banks ) * (In Millions of AED) Item (1) (2) Residents 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** 923,403 989,430 974,668 1,024,688 1,056,853 1,046,977 1,043,510 1,064,557 1,061,714 1,064,344 1,093,821 1.1 Corporate 416,479 439,698 470,533 480,500 477,080 463,865 478,239 488,930 480,139 485,525 483,483 1.2 Individuals 209,588 236,113 238,796 257,123 270,854 271,179 265,988 260,535 263,394 264,426 266,438 1.3 Government 118,895 148,990 106,986 143,084 144,440 145,606 147,199 158,967 151,097 149,737 176,825 1.4 GREs 145,819 134,798 135,631 120,017 141,533 132,477 126,857 132,809 140,809 142,959 144,847 1.5 Non Banking Financial Institutions 32,622 29,831 22,722 23,964 22,946 33,850 25,227 23,316 26,275 21,697 22,228 109,901 147,042 164,814 189,644 178,064 167,286 176,090 178,860 175,593 170,686 172,331 Non-Residents 2.1 Corporate 47,912 60,370 71,263 85,840 79,946 75,280 78,248 84,421 81,062 76,033 74,399 2.2 Non Banking Financial Institutions 33,275 37,985 54,512 66,118 59,614 55,157 58,073 60,577 58,239 58,455 61,890 2.3 Individuals 20,983 24,864 25,459 25,238 25,349 25,002 24,683 23,093 22,431 22,195 22,264 2.4 Government and Non Commercial Entities 7,731 23,823 13,580 12,448 13,155 11,847 15,086 10,769 13,861 14,003 13,778 1,033,304 1,136,472 1,139,482 1,214,332 1,234,917 1,214,263 1,219,600 1,243,417 1,237,307 1,235,030 1,266,152 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 39
  40. Table 30 : Deposits distributed Residents / Non Residents ( Islamic Banks ) * (In Millions of AED) Item (1) (2) Residents 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** 240,469 277,849 325,458 339,211 356,168 362,306 363,995 371,043 368,784 368,048 379,171 1.1 Corporate 56,397 77,717 92,567 111,681 116,406 111,559 110,579 115,505 117,675 116,002 116,850 1.2 Individuals 107,663 115,223 121,945 131,148 133,931 137,013 137,064 136,015 136,753 136,769 140,972 1.3 Government 42,405 39,829 50,452 43,763 49,583 51,208 54,000 53,010 54,103 52,868 56,401 1.4 GREs 27,736 38,554 55,124 48,348 50,446 57,094 56,184 58,721 54,101 53,723 56,495 1.5 Non Banking Financial Institutions 6,268 6,526 5,370 4,271 5,802 5,432 6,168 7,792 6,152 8,686 8,453 5,079 6,909 6,678 9,406 10,926 12,570 12,208 12,817 15,426 17,058 17,120 Non-Residents 2.1 Corporate 1,275 2,229 1,544 2,512 4,057 5,024 4,283 3,889 4,424 5,481 5,510 2.2 Non Banking Financial Institutions 2,538 2,789 3,094 4,032 3,604 3,616 4,679 5,519 7,714 7,925 8,188 2.3 Individuals 1,266 1,886 2,033 2,846 3,259 3,895 3,241 3,404 3,282 3,647 3,416 2.4 Government and Non Commercial Entities 0 5 7 16 6 35 5 5 6 5 6 245,548 284,758 332,136 348,617 367,094 374,876 376,203 383,860 384,210 385,106 396,291 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 40
  41. Table 31 : Classification of Deposits by Size ( Quarterly ) * (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Mar ** 0 to AED 250,000 118,906 125,349 130,560 137,705 138,653 147,145 140,215 143,453 141,788 AED 250,001 to AED 500,000 61,667 66,960 60,897 65,041 67,519 67,139 66,812 67,555 68,365 AED 500,001 to AED 1,000,000 65,050 67,244 73,789 77,726 80,576 81,432 79,565 79,394 82,494 AED 1,000,001 to AED 5,000,000 151,837 167,440 198,628 199,708 204,774 204,224 207,369 205,261 214,196 AED 5 Million to AED 20 Million 159,911 171,977 190,053 199,537 201,939 201,369 206,018 207,673 207,525 Above AED 20 Million 721,481 822,260 817,691 883,232 908,550 887,830 895,824 923,941 948,075 1,278,852 1,421,230 1,471,618 1,562,949 1,602,011 1,589,139 1,595,803 1,627,277 1,662,443 Deposit Size Total Deposits 2017 * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary Page 41 2018
  42. Table 32 : Deposits by Type and Currency ( All Banks ) 1 (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Demand 448,386 515,199 547,978 580,094 602,008 601,925 592,065 586,432 591,044 592,060 602,453 Local Currency 332,415 383,509 401,342 415,989 442,713 445,048 429,101 428,729 435,070 443,630 445,091 Foreign Currencies 115,971 131,690 146,636 164,105 159,295 156,877 162,964 157,703 155,974 148,430 157,362 Savings 107,201 126,453 141,244 153,745 158,030 158,898 159,386 156,263 157,859 158,220 159,982 Local Currency 92,080 107,152 115,630 124,990 128,953 130,274 129,573 128,016 129,374 130,260 131,752 Foreign Currencies 15,121 19,301 25,614 28,755 29,077 28,624 29,813 28,247 28,485 27,960 28,230 Time 541,887 552,775 589,148 609,806 615,987 599,098 609,375 636,195 631,631 630,486 625,485 Local Currency 406,843 391,629 397,795 391,831 394,701 393,601 404,512 415,342 404,351 402,932 396,060 Foreign Currencies 135,044 161,146 191,353 217,975 221,286 205,497 204,863 220,853 227,280 227,554 229,425 1,097,474 1,194,427 1,278,370 1,343,645 1,376,025 1,359,921 1,360,826 1,378,890 1,380,534 1,380,766 1,387,920 Total Local Currency 831,338 882,290 914,767 932,810 966,367 968,923 963,186 972,087 968,795 976,822 972,903 Total Foreign Currencies 266,136 312,137 363,603 410,835 409,658 390,998 397,640 406,803 411,739 403,944 415,017 Commercial Prepayments 17,484 19,413 21,278 20,687 20,384 20,029 20,300 21,956 22,568 21,896 22,892 Item Total Deposits2 2017 1 Excluding Inter-Bank Deposits 2 Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) * Preliminary Page 42 2018
  43. Table 33 : Deposits by Type and Currency ( National Banks ) 1 (In Millions of AED) 2013 2014 2015 2016 2017 2018 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Demand 331,123 392,022 425,351 468,426 489,792 489,499 484,861 479,056 486,747 488,620 498,551 Local Currency Foreign Currencies 262,803 68,320 312,864 79,158 330,146 95,205 349,055 119,371 374,778 115,014 375,807 113,692 364,182 120,679 361,148 117,908 369,970 116,777 377,616 111,004 379,340 119,211 Savings 91,168 109,100 123,249 135,421 139,346 140,223 140,754 138,741 140,212 140,610 141,935 Local Currency Foreign Currencies 83,202 7,966 97,902 11,198 106,164 17,085 115,716 19,705 119,259 20,087 120,533 19,690 119,740 21,014 118,185 20,556 119,481 20,731 120,314 20,296 121,698 20,237 Time 463,632 469,324 518,280 536,579 545,747 533,264 538,112 561,939 557,522 557,129 552,221 Local Currency Foreign Currencies 358,492 105,140 339,978 129,346 349,601 168,679 346,908 189,671 350,031 195,716 351,387 181,877 360,246 177,866 371,088 190,851 359,295 198,227 358,165 198,964 352,248 199,973 Total Deposits2 885,923 970,446 1,066,880 1,140,426 1,174,885 1,162,986 1,163,727 1,179,736 1,184,481 1,186,359 1,192,707 Total Local Currency 704,497 750,744 785,911 811,679 844,068 847,727 844,168 850,421 848,746 856,095 853,286 Total Foreign Currencies 181,426 219,702 280,969 328,747 330,817 315,259 319,559 329,315 335,735 330,264 339,421 Commercial Prepayments 10,943 13,756 15,744 15,364 15,322 15,214 15,478 16,898 17,555 16,873 17,980 Item 1 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2 Page 43
  44. Table 34 : Deposits by Type and Currency ( Foreign Banks ) 1 (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Demand 117,263 123,177 122,627 111,668 112,216 112,426 107,204 107,376 104,297 103,440 103,902 Local Currency 69,612 70,645 71,196 66,934 67,935 69,241 64,919 67,581 65,100 66,014 65,751 Foreign Currencies 47,651 52,532 51,431 44,734 44,281 43,185 42,285 39,795 39,197 37,426 38,151 Savings 16,033 17,353 17,995 18,324 18,684 18,675 18,632 17,522 17,647 17,610 18,047 Local Currency 8,878 9,250 9,466 9,274 9,694 9,741 9,833 9,831 9,893 9,946 10,054 Foreign Currencies 7,155 8,103 8,529 9,050 8,990 8,934 8,799 7,691 7,754 7,664 7,993 Time 78,255 83,451 70,868 73,227 70,240 65,834 71,263 74,256 74,109 73,357 73,264 Local Currency 48,351 51,651 48,194 44,923 44,670 42,214 44,266 44,254 45,056 44,767 43,812 Foreign Currencies 29,904 31,800 22,674 28,304 25,570 23,620 26,997 30,002 29,053 28,590 29,452 Total Deposits 211,551 223,981 211,490 203,219 201,140 196,935 197,099 199,154 196,053 194,407 195,213 Total Local Currency 126,841 131,546 128,856 121,131 122,299 121,196 119,018 121,666 120,049 120,727 119,617 Total Foreign Currencies 84,710 92,435 82,634 82,088 78,841 75,739 78,081 77,488 76,004 73,680 75,596 Commercial Prepayments 6,541 5,657 5,534 5,323 5,062 4,815 4,822 5,058 5,013 5,023 4,912 Item 2 2017 1 2018 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2 Page 44
  45. Table 35 : Deposits by Type and Currency ( Conventional Banks ) 1 (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Demand 388,643 437,941 455,442 479,675 495,197 491,120 486,960 484,792 486,770 485,405 494,153 Local Currency 277,074 312,678 320,210 329,506 350,410 348,355 337,503 340,733 343,508 350,055 350,310 Foreign Currencies 111,569 125,263 135,232 150,169 144,787 142,765 149,457 144,059 143,262 135,350 143,843 Savings 63,240 71,056 76,875 80,690 82,650 82,838 83,004 80,692 81,563 82,100 82,883 Local Currency 49,963 55,061 55,743 57,488 59,264 59,354 58,604 57,838 58,426 59,094 59,776 Foreign Currencies 13,277 15,995 21,132 23,202 23,386 23,484 24,400 22,854 23,137 23,006 23,107 Time 444,829 443,844 469,108 482,970 485,019 466,495 473,262 489,509 490,324 489,211 480,936 Local Currency 319,567 297,308 304,698 289,558 289,160 287,720 293,281 296,581 288,801 286,898 280,397 Foreign Currencies 125,262 146,536 164,410 193,412 195,859 178,775 179,981 192,928 201,523 202,313 200,539 Total Deposits2 896,712 952,841 1,001,425 1,043,335 1,062,866 1,040,453 1,043,226 1,054,993 1,058,657 1,056,716 1,057,972 Total Local Currency 646,604 665,047 680,651 676,552 698,834 695,429 689,388 695,152 690,735 696,047 690,483 Total Foreign Currencies 250,108 287,794 320,774 366,783 364,032 345,024 353,838 359,841 367,922 360,669 367,489 Commercial Prepayments 15,106 16,036 16,506 16,464 16,365 16,142 16,325 17,419 18,134 17,795 17,522 Item 2017 1 2018 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2 Page 45
  46. Table 36 : Deposits by Type and Currency ( Islamic Banks ) 1 (In Millions of AED) 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar * Demand 59,743 77,258 92,536 100,419 106,811 110,805 105,105 101,640 104,274 106,655 108,300 Local Currency 55,341 70,831 81,132 86,483 92,303 96,693 91,598 87,996 91,562 93,575 94,781 Foreign Currencies 4,402 6,427 11,404 13,936 14,508 14,112 13,507 13,644 12,712 13,080 13,519 Savings 43,961 55,397 64,369 73,055 75,380 76,060 76,382 75,571 76,296 76,120 77,099 Local Currency 42,117 52,091 59,887 67,502 69,689 70,920 70,969 70,178 70,948 71,166 71,976 Foreign Currencies 1,844 3,306 4,482 5,553 5,691 5,140 5,413 5,393 5,348 4,954 5,123 Time 97,058 108,931 120,040 126,836 130,968 132,603 136,113 146,686 141,307 141,275 144,549 Local Currency 87,276 94,321 93,097 102,273 105,541 105,881 111,231 118,761 115,550 116,034 115,663 Foreign Currencies 9,782 14,610 26,943 24,563 25,427 26,722 24,882 27,925 25,757 25,241 28,886 Total Deposits2 200,762 241,586 276,945 300,310 313,159 319,468 317,600 323,897 321,877 324,050 329,948 Total Local Currency 184,734 217,243 234,116 256,258 267,533 273,494 273,798 276,935 278,060 280,775 282,420 Total Foreign Currencies 16,028 24,343 42,829 44,052 45,626 45,974 43,802 46,962 43,817 43,275 47,528 Commercial Prepayments 2,378 3,377 4,772 4,223 4,019 3,887 3,975 4,537 4,434 4,101 5,370 Item 2017 1 2018 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2 Page 46
  47. Table 37 : Time Deposits by Maturity * (In Millions of AED) Period 2013 2014 2015 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar ** Upto 3 Months 439,458 472,636 441,945 452,328 446,210 417,728 430,417 468,102 477,089 461,964 483,983 Above 3 and Upto 6 Months 118,661 127,174 148,382 137,067 125,159 148,603 152,202 145,575 130,803 138,147 123,510 Above 6 and Upto 12 Months 109,987 109,859 106,490 137,798 168,285 164,124 156,013 165,268 161,955 164,464 174,083 Exceeding 12 Months 26,523 30,060 41,694 52,305 47,440 46,085 50,017 43,586 44,004 45,588 42,563 Total 694,629 739,729 738,511 779,498 787,094 776,540 788,649 822,531 813,851 810,163 824,139 Maturity 2016 2017 2018 * Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements ** Preliminary Page 47
  48. Table 38 : Currency Issued * (In Millions of AED) 2017 2018 2013 2014 2015 2016 Dec Dec Dec Dec Mar Jun Sep Dec Jan Feb Mar **** Total Notes Issued ( 1 )** 63,077 73,502 72,457 76,430 78,999 82,731 77,126 84,220 81,976 83,066 83,486 Total Coins Issued ( 2 )*** 850 970 1,065 1,122 1,131 1,147 1,155 1,166 1,175 1,183 1,190 63,927 74,472 73,522 77,552 80,130 83,878 78,281 85,386 83,151 84,249 84,676 Item Total Currency Issued * Currency Issued = currency in circulation plus cash at banks ** Excluding Mutilated Notes *** Excluding Issued Gold Coins **** Preliminary Page 48
  49. Table 39 : Cheques Presented and Cleared Statistics * Item 2013 2014 2015 2016 Dec Dec Dec Dec 30,724,395 32,139,569 32,570,228 31,365,414 1,382,302 1,608,412 1,649,654 1,390,763 1,322,199 42,799 2017 Mar 2018 Jun Sep Dec 7,662,810 15,151,325 22,558,452 30,152,393 1,555,464 382,844 755,051 1,123,448 1,354,758 1,436,919 330,603 640,701 48,817 63,828 75,772 17,706 29,333,632 30,817,370 31,215,470 29,928,495 1,339,503 1,559,595 1,585,826 1,479,692 Jan Feb Mar ** 2,406,653 4,658,754 7,168,311 1,505,912 117,711 227,060 351,134 966,452 1,316,156 107,140 203,022 310,299 33,900 50,958 68,202 5,344 10,144 15,727 7,332,207 14,510,624 21,592,000 28,836,237 2,299,513 4,455,732 6,858,012 365,138 721,151 1,072,490 1,437,710 112,367 216,916 335,407 Cheques Presented Number of Cheques Amount ( In Millions of AED ) Cheques Returned Number of Cheques Amount ( In Millions of AED ) Cheques Cleared Number of Cheques Amount ( In Millions of AED ) * Cumulative data ** Preliminary Page 49
  50. Table 40 : UAE Domestic Fund Transfer System Statistics * Item 2013 2014 2015 2016 2017 Dec Dec Dec Dec 17,336,071 20,687,971 25,406,711 30,970,409 2,100,953 2,453,013 2,570,715 371,132 410,526 6,024,287 Mar 2018 Jun Sep Dec Jan Feb Mar ** 8,692,802 17,796,048 26,956,883 36,866,496 3,296,348 6,467,347 10,045,210 2,693,086 708,393 1,453,253 2,137,433 2,897,804 236,337 453,600 728,453 413,161 432,586 110,409 218,101 331,012 446,614 38,449 72,905 111,492 6,242,099 6,517,976 7,137,118 1,787,218 3,392,779 5,095,565 6,857,108 604,331 1,132,568 1,670,039 17,707,203 21,098,497 25,819,872 31,402,995 8,803,211 18,014,149 27,287,895 37,313,110 3,334,797 6,540,252 10,156,702 8,125,240 8,695,112 9,088,691 9,830,204 2,495,611 4,846,032 7,232,998 9,754,912 840,668 1,586,168 2,398,492 Customer to Customer Tranfers Number of Transfers Amount ( In Millions of AED ) Bank to Bank Tranfers Number of Transfers Amount ( In Millions of AED ) Total Domestic Fund Tranfers Number of Transfers Amount ( In Millions of AED ) * Cumulative data ** Preliminary Page 50
  51. Table 41 : Banks and Branches Network Statistics ( Quarterly ) Dec-13 Item Dec-14 Dec-15 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar 2018 * HO 23 Branches 841 HO 23 Branches 869 HO 23 Branches 874 HO 23 Branches 846 HO 23 Branches 834 HO 23 Branches 816 HO 23 Branches 810 HO 22 Branches 771 HO 22 Branches 761 - Abu Dhabi 7 287 7 301 7 300 7 292 7 281 7 281 7 283 6 261 6 262 - Dubai 8 338 8 346 8 351 8 332 8 338 8 325 8 321 8 311 8 305 - Sharjah 4 119 4 124 4 125 4 122 4 119 4 116 4 114 4 108 4 104 - RAK 1 32 1 33 1 34 1 34 1 34 1 34 1 33 1 33 1 33 - Ajman 1 27 1 27 1 27 1 27 1 23 1 22 1 21 1 20 1 20 - UAQ 1 10 1 10 1 10 1 10 1 10 1 10 1 10 1 10 1 10 - Fujairah 1 28 1 28 1 27 1 29 1 29 1 28 1 28 1 28 1 27 28 87 26 86 26 86 26 85 26 85 26 85 26 85 27 82 27 81 8 33 8 32 8 32 8 31 8 31 8 31 8 31 8 31 8 30 20 28 18 28 18 28 18 30 18 30 18 30 18 30 19 27 19 27 National Banks Foreign Banks ** - Abu Dhabi - Dubai - Sharjah - 15 - 15 - 15 - 14 - 14 - 14 - 14 - 14 - 14 - RAK - 6 - 6 - 6 - 6 - 6 - 6 - 6 - 6 - 6 - Ajman - 2 - 2 - 2 - 1 - 1 - 1 - 1 - 1 - 1 - UAQ - - Fujairah - Wholesale Banks 3 4 - Abu Dhabi - - - - 4 3 - - 3 - - 3 - - 3 - - 3 - - 3 - - 3 - - 3 7 - 8 - 11 - 11 - 11 - 12 - 12 - 12 - 5 - 6 - 8 - 8 - 8 - 8 - 8 - 8 - 2 - 2 - 3 - 3 - 3 - 4 - 4 - 4 - - Dubai - - Sharjah - - - - - - - - - - - - - - - - - - RAK - - - - - - - - - - - - - - - - - - Ajman - - - - - - - - - - - - - - - - - - UAQ - - - - - - - - - - - - - - - - - - Fujairah - - - - - - - - - - - - - - - - - Total 55 928 56 955 Total Excluding Wholesale Banks 51 928 49 955 * Preliminary ** Does not include number of wholesale banks which is reported seperately 57 49 960 960 60 49 931 931 Page 51 60 49 919 919 60 49 901 901 61 49 895 895 61 49 853 853 61 49 842 842