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UAE: Monthly Statistical Bulletin - February 2022

IM Insights
By IM Insights
2 years ago
UAE: Monthly Statistical Bulletin - February 2022Reserves

Banking

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  1. CBUAE Classification : Public # ‫النشرة االحصائية الشهرية‬ - ‫ البيانات المصرفية والنقدية‬2022 ‫فبراير‬ Monthly Statistical Bulletin - Banking & Monetary Statistics February 2022 Page 1
  2. CBUAE Classification : Public # Contents Tables Pages Tables 1 Selected Monetary and Banking Indicators 2 Pages 4 30 Deposits distributed Residents / Non Residents ( All Banks ) Monetary Survey 5~6 31 Deposits distributed Residents / Non Residents ( National Banks ) 41 3 Monthly Changes in Factors Affecting Money Supply 7~8 32 Deposits distributed Residents / Non Residents ( Foreign Banks ) 42 4 UAE Monetary Base (Monthly) 9 33 Deposits distributed Residents / Non Residents ( Conventional Banks ) 43 5 Balance Sheet - Central Bank of the UAE 10 ~ 11 34 Deposits distributed Residents / Non Residents ( Islamic Banks ) 44 6 Central Bank International Reserves 12 35 Classification of Deposits by Size ( Quarterly ) 45 13 ~ 15 36 Deposits by Type and Currency ( All Banks ) 46 7-8 Aggregated Balance Sheet of Banks - Assets & Liabilities ( All Banks ) 39 ~ 40 9 Aggregated Balance Sheet of Banks - Assets ( National Banks ) 16 37 Deposits by Type and Currency ( National Banks ) 47 10 Aggregated Balance Sheet of Banks - Liabilities ( National Banks ) 17 38 Deposits by Type and Currency ( Foreign Banks ) 48 11 Aggregated Balance Sheet of Banks - Assets ( Foreign Banks ) 18 39 Deposits by Type and Currency ( Conventional Banks ) 49 12 Aggregated Balance Sheet of Banks - Liabilities ( Foreign Banks ) 19 40 Deposits by Type and Currency ( Islamic Banks ) 50 13 Aggregated Balance Sheet of Banks - Assets ( Conventional Banks ) 20 41 Time Deposits by Maturity ( All Banks ) 51 14 Aggregated Balance Sheet of Banks - Liabilities ( Conventional Banks ) 21 42 Time Deposits by Maturity ( National Banks ) 52 15 Aggregated Balance Sheet of Banks - Assets ( Islamic Banks ) 22 43 Time Deposits by Maturity ( Foreign Banks ) 53 16 Aggregated Balance Sheet of Banks - Liabilities ( Islamic Banks ) 23 44 Time Deposits by Maturity ( Conventional Banks ) 54 17 Aggregated Memoranda Accounts of Banks 24 45 Time Deposits by Maturity ( Islamic Banks ) 55 18 Banks' Foreign Assets and Liabilities ( All Banks ) 25 ~ 26 46 Currency Issued 56 19 Banks' Foreign Assets and Liabilities ( National Banks ) 27 47 Cheques Cleared Statistics 57 20 Banks' Foreign Assets and Liabilities ( Foreign Banks ) 28 48 UAE Domestic Fund Transfer System Statistics 58 21 Banks' Foreign Assets and Liabilities ( Conventional Banks ) 29 49 Banks and Branches Network Statistics ( Quarterly ) 59 22 Banks' Foreign Assets and Liabilities ( Islamic Banks ) 30 23 Domestic Credit ( All Banks ) 24 Domestic Credit ( National Banks ) 33 25 Domestic Credit ( Foreign Banks ) 34 26 Domestic Credit ( Conventional Banks ) 35 27 Domestic Credit ( Islamic Banks ) 36 28 Bank Credit to Residents by Economic Activity ( Quarterly ) 37 29 Bank Credit to Non - Residents by Economic Activity ( Quarterly ) 38 31 ~ 32 Page 2
  3. CBUAE Classification : Public # Contents (Contd) Note: Definitions : Data are as at the end of period unless otherwise indicated. Government Of the Seven Emirates. Monetary Base Monetary Base, defined as the sum of Currency Issued (Currency in Circulation outside Banks and Cash at Banks),Total Banks' Reserves & Current Accounts at the Central Bank and Certificates of Deposits/Monetary Bills held by Banks Gross International Reserves Gross International Reserves , defined as the sum of Current Account Balances & Deposits with Banks abroad , Foreign Securities , IMF Reserves & SDR Holdings and Other Foreign Assets Abbreviations & Notations : UAE Dirhams Zero or Insignificant AED (-) Local Currency LCY Foreign Currency FCY 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 Resident Government deposits with Banks & Central Bank Certificates of Deposits / Monetary Bills Certificates/ Monetary Bills 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. Page 3
  4. CBUAE Classification : Public # Table 1 : Selected Monetary and Banking Indicators (In Millions of AED) Indicator Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 406,373 417,711 446,246 450,035 444,235 454,537 470,526 470,020 476,210 485,865 521,538 518,510 529,620 350,260 365,426 397,949 393,905 354,349 360,328 391,857 396,183 406,813 432,325 481,528 479,479 490,416 492,366 485,699 515,061 542,681 557,414 568,007 600,060 642,311 659,566 668,485 701,853 706,525 712,116 Money Supply M2 1,276,140 1,308,432 1,413,166 1,454,903 1,458,008 1,468,664 1,478,607 1,487,526 1,488,578 1,485,913 1,563,025 1,563,408 1,570,345 Money Supply M3 1,487,079 1,602,379 1,717,456 1,714,131 1,752,345 1,805,628 1,769,368 1,766,399 1,772,631 1,786,880 1,856,910 1,856,559 1,867,816 Central Bank of the UAE Total Assets/Liabilities Gross International Reserves ** Money Supply Indicators Money Supply M1 Banks Total Assets 2,693,807 2,868,516 3,082,934 3,128,031 3,190,154 3,252,485 3,188,014 3,175,850 3,208,761 3,247,128 3,321,488 3,290,173 3,282,069 Foreign Assets (Net) -16,842 59,657 91,113 60,204 108,117 170,801 133,471 131,938 122,789 132,290 154,708 153,080 157,902 Foreign Assets 578,989 679,647 771,092 791,640 828,448 884,164 849,077 849,718 871,879 898,713 933,169 898,142 886,890 21.5% 23.7% 25.0% 25.3% 26.0% 27.2% 26.6% 26.8% 27.2% 27.7% 28.1% 27.3% 27.0% 595,831 619,990 679,979 731,436 720,331 713,363 715,606 717,780 749,090 766,423 778,461 745,062 728,988 Foreign Liabilities to Total Liabilities (%) Deposits 1 22.1% 1,627,277 21.6% 1,755,650 22.1% 1,870,184 23.4% 1,851,917 22.6% 1,866,132 21.9% 1,907,152 22.4% 1,884,545 22.6% 1,881,268 23.3% 1,908,655 23.6% 1,942,326 23.4% 1,996,527 22.6% 1,982,385 22.2% 1,988,354 Residents 1,435,600 1,542,237 1,648,812 1,635,166 1,665,764 1,715,805 1,682,102 1,677,754 1,682,944 1,699,170 1,765,533 1,761,904 1,770,864 604,435 590,877 607,023 621,853 615,665 613,759 606,207 611,256 623,640 638,529 671,422 673,711 678,487 191,677 213,413 221,372 216,751 200,368 191,347 202,443 203,514 225,711 243,156 230,994 220,481 217,490 88,310 91,889 87,964 91,844 73,495 73,341 72,250 69,533 80,330 82,932 82,170 88,124 86,540 1,452,696 1,509,437 1,592,609 1,595,077 1,626,827 1,611,667 1,596,786 1,589,608 1,595,582 1,602,071 1,618,957 1,618,129 1,620,032 1,105,007 1,150,018 1,149,953 1,164,887 1,156,346 1,138,449 1,124,913 1,121,883 1,126,340 1,134,155 1,137,528 1,137,046 1,140,334 22 771 51 36 22 743 34 33 21 656 31 33 21 640 31 34 21 611 31 33 21 559 26 32 21 541 23 34 21 534 22 35 21 522 22 40 21 521 20 42 22 1 513 20 41 22 1 512 20 42 22 1 512 20 42 39 27 12 82 1 25 38 27 11 80 1 21 38 27 11 79 1 22 38 27 11 78 1 22 38 27 11 78 1 22 38 27 11 78 1 23 37 27 10 73 1 23 37 27 10 73 1 23 37 27 10 74 1 22 37 27 10 74 1 21 37 27 10 74 1 21 37 27 10 74 1 21 37 27 10 74 1 21 34,675 36,629 35,637 35,838 35,423 33,891 33,444 33,037 32,623 32,753 33,491 33,491 33,491 29,056 30,966 29,673 28,591 28,219 26,722 26,408 26,124 25,847 25,957 26,763 26,763 26,763 5,619 5,663 5,964 7,247 7,204 7,169 7,036 6,913 6,776 6,796 6,728 6,728 6,728 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 of which: Specialized Community Bank 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 Branches Pay Offices Electronic Banking Service Units Number of Employees in Banks (UAE) Employed with National Banks Employed with Foreign Banks 2 2 2 * Preliminary ** Central Bank Gross 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 1 Excluding Inter-Bank Deposits 2 Excluding Auxiliary Staff. Data Subject to Revision on Quarterly Basis Page 4
  5. CBUAE Classification : Public # Table 2 : Monetary Survey (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Net International Reserves 328,285 418,099 485,330 449,629 459,105 525,241 514,516 522,368 525,206 547,118 620,848 616,055 622,999 345,127 358,442 394,217 389,425 350,988 354,440 381,045 390,430 402,417 414,828 466,140 462,975 465,097 350,260 365,426 397,949 393,905 354,349 360,328 391,857 396,183 406,813 432,325 481,528 479,479 490,416 5,133 6,984 3,732 4,480 3,361 5,888 10,812 5,753 4,396 17,497 15,388 16,504 25,319 -16,842 59,657 91,113 60,204 108,117 170,801 133,471 131,938 122,789 132,290 154,708 153,080 157,902 Foreign Assets 578,989 679,647 771,092 791,640 828,448 884,164 849,077 849,718 871,879 898,713 933,169 898,142 886,890 Foreign Liabilities 595,831 619,990 679,979 731,436 720,331 713,363 715,606 717,780 749,090 766,423 778,461 745,062 728,988 Net Domestic Assets 947,855 890,333 927,836 1,005,274 998,903 943,423 964,091 965,158 963,372 938,795 942,177 947,353 947,346 1,107,744 1,151,835 1,159,097 1,168,854 1,159,016 1,141,170 1,128,422 1,124,904 1,133,821 1,142,123 1,145,807 1,145,385 1,147,531 64,534 -4,705 51,065 68,909 71,661 38,928 86,739 103,998 87,429 75,182 76,986 66,113 57,433 Claims on Government 277,440 291,141 356,571 329,207 366,998 376,799 378,299 383,574 372,135 376,876 371,306 360,208 355,655 Laibilities to Government 212,906 295,846 305,506 260,298 295,337 337,871 291,560 279,576 284,706 301,694 294,320 294,095 298,222 Claims on Official Entities 212,287 209,241 223,619 237,645 257,708 257,460 261,771 251,590 262,839 260,795 277,917 286,962 286,608 Claims on Nonbank Financial Institutions 31,422 32,098 25,874 27,575 28,575 28,320 28,208 26,752 24,312 25,653 26,609 26,247 28,521 Capital and Reserves -359,461 -378,471 -417,903 -395,170 -408,459 -416,303 -419,445 -402,793 -410,400 -419,229 -428,611 -427,888 -422,487 Other Items (net) -108,671 -119,664 -113,916 -102,539 -109,598 -106,152 -121,604 -139,293 -134,630 -145,730 -156,532 -149,465 -150,260 492,366 485,699 515,061 542,681 557,414 568,007 600,060 642,311 659,566 668,485 701,853 706,525 712,116 Currency in Circulation Outside Banks 67,716 70,534 78,216 86,150 92,634 96,744 94,724 95,879 95,822 93,179 94,082 95,378 98,687 Monetary Deposits 424,650 415,165 436,845 456,531 464,780 471,263 505,336 546,432 563,744 575,306 607,771 611,147 613,429 1,276,140 1,308,432 1,413,166 1,454,903 1,458,008 1,468,664 1,478,607 1,487,526 1,488,578 1,485,913 1,563,025 1,563,408 1,570,345 783,774 822,733 898,105 912,222 900,594 900,657 878,547 845,215 829,012 817,428 861,172 856,883 858,229 Foreign Currency Deposits 270,694 304,337 322,501 327,696 330,010 337,855 331,199 321,137 310,860 311,536 340,387 335,795 332,130 Dirham Deposits 513,080 518,396 575,604 584,526 570,584 562,802 547,348 524,078 518,152 505,892 520,785 521,088 526,099 1,487,079 1,602,379 1,717,456 1,714,131 1,752,345 1,805,628 1,769,368 1,766,399 1,772,631 1,786,880 1,856,910 1,856,559 1,867,816 210,939 293,947 304,290 259,228 294,337 336,964 290,761 278,873 284,053 300,967 293,885 293,151 297,471 Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Claims on Private Sector Net Claims on Government Money Supply M1 Money Supply M2 Quasi - Money Money Supply M3 Government Deposits * Preliminary Page 5
  6. CBUAE Classification : Public # Monetary Aggregates Money Supply - M1 750 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 Dec 2017 AED Bln Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Currency in Circulation Outside Banks Mar 2021 Jun 2021 Monetary Deposits Sep 2021 Dec 2021 Jan 2022 Feb 2022 Dec 2017 AED Bln Money Supply M1 Dec 2018 Dec 2019 Mar 2020 Money Supply M1 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Quasi - Money Sep 2021 Dec 2021 Jan 2022 Feb 2022 Money Supply M2 Monetary Aggregates Money Supply - M3 1,950 1,800 1,650 1,500 1,350 1,200 1,050 900 750 600 450 300 150 0 AED Bln Dec 2020 Money Supply - M2 1,600 1,500 1,400 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0 1,950 1,800 1,650 1,500 1,350 1,200 1,050 900 750 600 450 300 150 0 Dec Dec Dec Mar 2017 2018 Jun Sep 2019 2020 Dec Mar 2020 2020 AED Bln Jun 2020 2021 2021 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Money Supply M2 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Government Deposits Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 Money Supply M1 Money Supply M3 Page 6 Money Supply M2 Sep 2021 Dec 2021 Jan 2022 Feb 2022 Money Supply M3
  7. CBUAE Classification : Public # Table 3 : Monthly Changes in Factors Affecting Money Supply 1 (In Millions of AED) Item Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 89,814 67,231 -35,701 9,476 66,136 -10,725 7,852 2,838 21,912 73,730 -4,793 6,944 13,315 35,775 -4,792 -38,437 3,452 26,605 9,385 11,987 12,411 51,312 -3,165 2,122 15,166 32,523 -4,044 -39,556 5,979 31,529 4,326 10,630 25,512 49,203 -2,049 10,937 1,851 76,499 100,658 24,159 -3,252 31,456 91,445 59,989 748 -30,909 20,548 51,457 -1,119 47,913 36,808 -11,105 2,527 62,684 55,716 -6,968 4,924 -37,330 -35,087 2,243 -5,059 -1,533 641 2,174 -1,357 -9,149 22,161 31,310 13,101 9,501 26,834 17,333 -2,109 22,418 34,456 12,038 1,116 -1,628 -35,027 -33,399 8,815 4,822 -11,252 -16,074 -57,522 44,091 -69,240 37,503 7,263 55,771 77,438 9,757 17,844 -6,371 -9,838 2,752 -55,480 -17,846 -32,732 20,668 -12,748 47,811 1,067 -3,518 17,259 -1,786 8,917 -16,568 -24,577 8,302 -12,247 3,382 3,684 1,804 5,176 -422 -10,873 -7 2,147 -8,680 13,700 65,431 -27,364 37,791 9,802 1,500 5,275 -11,438 4,741 -5,570 -11,098 -4,553 82,940 -3,046 676 -19,010 -10,994 9,660 14,378 -6,224 -39,432 5,748 -45,208 14,026 1,701 22,733 11,377 35,039 20,063 1,001 -13,289 -7,059 42,534 -248 -256 -7,844 3,447 -46,311 4,311 -111 -3,142 -15,453 -11,984 -10,181 -1,456 16,652 -17,688 5,130 11,249 -2,440 -7,607 4,663 16,988 -2,044 1,341 -8,829 -11,100 -7,374 17,122 956 -9,382 -10,802 -225 9,045 -363 723 7,066 4,127 -354 2,274 5,401 -795 -6,667 29,362 27,620 14,733 10,593 32,053 42,251 17,255 8,919 33,368 4,672 5,591 Currency in Circulation Outside Banks 2,818 7,682 7,934 6,484 4,110 -2,020 1,155 -57 -2,643 903 1,296 3,309 Monetary Deposits -9,485 21,680 19,686 8,249 6,483 34,073 41,096 17,312 11,562 32,465 3,376 2,282 Money Supply M2 32,292 104,734 41,737 3,105 10,656 9,943 8,919 1,052 -2,665 77,112 383 6,937 Quasi - Money 38,959 75,372 14,117 -11,628 63 -22,110 -33,332 -16,203 -11,584 43,744 -4,289 1,346 Foreign Currency Deposits 33,643 18,164 5,195 2,314 7,845 -6,656 -10,062 -10,277 676 28,851 -4,592 -3,665 Dirham Deposits 5,316 57,208 8,922 -13,942 -7,782 -15,454 -23,270 -5,926 -12,260 14,893 303 5,011 115,300 115,077 -3,325 38,214 53,283 -36,260 -2,969 6,232 14,249 70,030 -351 11,257 83,008 10,343 -45,062 35,109 42,627 -46,203 -11,888 5,180 16,914 -7,082 -734 4,320 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 Government Laibilities to Government Claims on Official Entities Claims on Nonbank Financial Institutions Capital and Reserves ** Other Items (net) ** Money Supply M1 Money Supply M3 Government Deposits 1 Indicates change from end of the previous reporting period data ( Table 2 data ) * Preliminary ** ( - ) Indicates an Increase and ( + ) Indicates a Decrease Page 7
  8. CBUAE Classification : Public # Factors Affecting Money Supply ( M2 ) Banks' Net Domestic Assets Banks' Net Foreign Assets 2,000 900 850 800 750 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 -50 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 AED Bln Dec 2017 Dec 2018 Dec 2019 Mar 2020 Banks - Domestic Assets Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Banks - Domestic Liabilities Sep 2021 Dec 2021 Jan 2022 Feb 2022 AED Bln Banks - Net Domestic Assets Dec 2017 Dec 2018 Dec 2019 Mar 2020 Banks - Foreign Assets Central Bank Net Domestic Assets Sep 2020 Dec 2020 Mar 2021 Jun 2021 Banks - Foreign Liabilities Sep 2021 Dec 2021 Jan 2022 Feb 2022 Banks - Net Foreign Assets Central Bank Net Foreign Assets 400 350 300 250 200 150 100 50 0 -50 -100 -150 -200 -250 -300 -350 AED Bln Dec 2017 Jun 2020 500 450 400 350 300 250 200 150 100 50 0 Dec 2018 Dec 2019 Mar 2020 CB - Domestic Assets Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 CB - Domestic Liabilities Sep 2021 Dec 2021 Jan 2022 Feb 2022 AED Bln Dec 2017 Dec 2018 Dec 2019 Mar 2020 CB - Foreign Assets CB - Net Domestic Assets Page 8 Jun 2020 Sep 2020 Dec 2020 Mar 2021 CB - Foreign Liabilities Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 CB - Net Foreign Assets
  9. CBUAE Classification : Public # Table 4 : UAE Monetary Base (Monthly) (In Millions of AED) Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Monetary Base 377,349 379,658 409,593 415,177 408,230 416,816 427,445 437,104 443,115 449,110 484,025 481,211 486,745 Currency Issued ** 85,386 85,839 93,729 105,200 106,141 111,316 110,704 110,986 110,902 108,452 111,815 110,974 113,631 Reserve Requirements 121,427 120,608 129,735 132,583 73,287 75,105 89,400 98,709 94,945 115,531 104,038 80,344 97,225 Banks & OFCs Current Accounts & Overnight Deposits of Banks at CBUAE 35,485 35,054 25,946 32,816 50,331 79,048 98,016 80,000 86,702 61,189 103,444 112,497 91,854 Certificates of Deposit / Monetary Bill 135,051 138,157 160,183 144,578 178,471 151,347 129,325 147,409 150,566 163,938 164,728 177,396 184,035 Components of Monetary Base Item * Preliminary ** Currency Issued = currency in circulation plus cash at banks Page 9
  10. CBUAE Classification : Public # Table 5 : Balance Sheet - Central Bank of the UAE (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Cash and Bank Balances 154,230 200,893 254,466 255,015 244,694 285,407 332,251 259,190 237,564 239,251 267,074 251,416 281,783 Deposits 111,277 106,842 127,591 120,060 86,282 62,967 44,802 27,570 21,706 36,370 42,230 64,474 44,826 Foreign Securities 84,493 55,231 9,294 12,759 14,308 7,642 4,012 89,927 131,322 124,952 135,875 135,007 138,259 Securities-Issued by Ministry of Finance & Dubai Government 49,165 48,998 46,018 45,969 45,920 45,903 45,902 45,902 45,902 45,902 45,903 45,903 45,903 Other Assets 7,208 5,747 8,877 16,232 53,031 52,618 43,559 47,431 39,716 39,390 30,456 21,710 18,849 Gold Bullion 1,152 1,134 4,044 5,951 6,580 8,961 12,862 10,817 11,504 11,286 11,913 11,733 12,476 200 128 50 29 7 0 0 0 0 0 0 0 0 5,771 4,377 4,657 10,129 46,296 43,492 30,528 36,424 28,029 27,912 17,941 9,374 5,730 85 108 126 123 148 165 169 190 183 192 602 603 643 406,373 417,711 446,246 450,035 444,235 454,537 470,526 470,020 476,210 485,865 521,538 518,510 529,620 Current Accounts & Deposits ** 159,791 162,833 160,706 171,354 130,171 158,804 192,046 181,254 185,652 181,935 214,428 200,980 205,757 Certificates of Deposit / Monetary Bill 135,051 138,157 160,183 144,578 178,471 151,347 129,325 147,409 150,566 163,938 164,728 177,396 184,035 Currency Issued 85,386 85,839 93,729 105,200 106,141 111,316 110,704 110,986 110,902 108,452 111,815 110,974 113,631 Other Liabilities 4,032 7,634 6,579 3,637 3,525 6,562 11,786 5,648 3,227 6,018 4,504 5,607 4,050 Total Liabilities 384,260 394,463 421,197 424,769 418,308 428,029 443,861 445,297 450,347 460,343 495,475 494,957 507,473 Authorized,Issued & Fully Paid Capital 2,500 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 General Reserve 19,457 3,108 4,603 4,603 4,603 4,603 4,603 5,489 5,489 5,489 6,056 5,489 5,489 156 140 446 663 1,324 1,905 2,062 -766 374 33 7 -1,936 -3,342 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Capital & Reserves 22,113 23,248 25,049 25,266 25,927 26,508 26,665 24,723 25,863 25,522 26,063 23,553 22,147 Total Liabilities and Capital 406,373 417,711 446,246 450,035 444,235 454,537 470,526 470,020 476,210 485,865 521,538 518,510 529,620 Assets Liquidity Support Facility Other Assets/Receivables Property & Equipment Total Assets Liabilities Capital and Reserves Other Reserve Retained Earnings * Preliminary ** Includes Banks' reserve requirement deposit with the CBUAE. Amount of Reserve Requirements declined due to the reduction in the rate of required reserves from 14% to 7% on Demand Deposits per the Targeted Economic Support Scheme (TESS) offered to Banks by the CBUAE in April 2020. Banks’s liquidity increased as a result of the reduction in the required reserves ratio. Page 10
  11. CBUAE Classification : Public # Balance Sheet - Central Bank of the UAE Assets 340 320 300 280 260 240 220 200 180 160 140 120 100 80 60 40 20 0 220 Balance Sheet - Central Bank of the UAE Liabilities and Capital 200 180 160 140 120 100 80 60 40 20 0 AED Bln Dec Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb 2017 2018 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 Cash and Bank Balances Foreign Securities Other Assets AED Bln Dec Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb 2017 2018 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 Current Accounts & Deposits Currency Issued Capital & Reserves Deposits Securities -MOF & Dubai Government Page 11 Certificates of Deposit / Monetary Bill Other Liabilities
  12. CBUAE Classification : Public # Table 6 : Central Bank International Reserves (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 350,260 365,426 397,950 393,905 354,349 360,328 391,857 396,183 406,813 432,325 481,528 479,479 490,416 Current Account Balances & Deposits with Banks Abroad 256,600 294,058 365,680 360,634 315,875 316,393 348,204 257,463 230,140 246,790 280,385 286,765 297,548 Foreign Securities 84,961 55,701 9,294 12,759 14,308 7,642 4,012 89,927 131,322 124,952 135,875 135,007 138,259 IMF Reserves Position + SDR Holdings 2,594 2,875 3,220 3,182 3,631 3,715 3,802 3,741 3,765 15,181 15,081 14,997 15,030 Other Foreign Assets 6,105 12,792 19,756 17,330 20,535 32,578 35,839 45,052 41,586 45,402 50,187 42,710 39,579 5,133 6,984 3,732 4,480 3,361 5,888 10,812 5,753 4,396 17,497 15,388 16,504 25,319 345,127 358,442 394,218 389,425 350,988 354,440 381,045 390,430 402,417 414,828 466,140 462,975 465,097 Gross International Reserves Foreign Liabilities Net International Reserves * Preliminary Page 12
  13. CBUAE Classification : Public # Table 7 : Aggregated Balance Sheet of Banks - Assets ( All Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 307,691 307,090 331,901 326,775 314,278 319,226 331,248 338,716 343,534 348,872 381,878 380,284 385,895 Cash in Hand ( LCY ) 17,670 15,305 15,513 19,050 13,507 14,572 15,980 15,107 15,080 15,273 17,733 15,596 14,944 Deposits with Central Bank 290,021 291,785 316,388 307,725 300,771 304,654 315,268 323,609 328,454 333,599 364,145 364,688 370,951 53,953 64,202 53,115 63,617 57,822 61,666 39,723 43,560 36,414 39,900 35,897 39,143 36,843 Domestic Credit and Investments 1,610,660 1,669,015 1,754,573 1,754,963 1,802,627 1,795,627 1,781,286 1,772,714 1,778,059 1,788,674 1,802,517 1,798,964 1,798,823 a) Credit Facilities 1,452,696 1,509,437 1,592,609 1,595,077 1,626,827 1,611,667 1,596,786 1,589,608 1,595,582 1,602,071 1,618,957 1,618,129 1,620,032 1,086,414 1,130,067 1,134,615 1,148,988 1,139,383 1,121,730 1,108,289 1,105,719 1,112,803 1,119,428 1,120,745 1,120,766 1,121,963 44,751 45,306 50,906 51,470 51,081 46,248 41,834 45,505 46,055 45,939 47,573 49,137 49,226 1,041,663 1,084,761 1,083,709 1,097,518 1,088,302 1,075,482 1,066,455 1,060,214 1,066,748 1,073,489 1,073,172 1,071,629 1,072,737 Claims on Government 175,428 191,498 257,383 229,086 252,387 255,481 251,923 252,527 245,689 245,165 236,038 224,868 224,914 Claims on Official Entities ( GREs ) 172,261 167,921 185,273 201,104 218,094 217,737 219,950 215,198 223,553 222,751 245,391 256,215 254,784 3,011 3,428 3,901 3,812 2,809 4,008 5,580 6,274 7,539 7,659 8,275 7,927 7,802 169,250 164,493 181,372 197,292 215,285 213,729 214,370 208,924 216,014 215,092 237,116 248,288 246,982 18,593 19,951 15,338 15,899 16,963 16,719 16,624 16,164 13,537 14,727 16,783 16,280 18,371 18,593 19,951 15,338 15,899 16,963 16,719 16,624 16,164 13,537 14,727 16,783 16,280 18,371 b) Domestic Investments 157,964 159,578 161,964 159,886 175,800 183,960 184,500 183,106 182,477 186,603 183,560 180,835 178,791 Unclassified Assets 142,514 148,562 172,253 191,036 186,979 191,802 186,680 171,142 178,875 170,969 168,027 173,640 173,618 Fixed Assets 27,272 28,651 33,866 34,043 33,689 33,902 34,986 34,725 34,865 33,794 33,855 34,583 34,388 Inter-Branch Transactions 10,600 8,590 8,764 12,622 7,028 11,272 9,090 2,742 2,914 3,297 4,433 5,031 5,730 Other Assets 104,642 111,321 129,623 144,371 146,262 146,628 142,604 133,675 141,096 133,878 129,739 134,026 133,500 578,989 679,647 771,092 791,640 828,448 884,164 849,077 849,718 871,879 898,713 933,169 898,142 886,890 Due from H.O. and/or Branches Abroad 104,442 160,591 154,635 152,958 177,452 187,772 156,027 159,103 152,481 161,111 190,091 152,834 121,603 Due from Other Banks Abroad 150,110 150,765 157,442 165,423 160,577 167,913 168,193 187,504 193,470 203,636 207,637 202,547 212,076 240 158 144 166 149 180 165 175 134 149 164 161 189 Securities 153,139 173,217 236,985 217,711 246,598 256,831 271,183 271,813 283,764 289,228 289,677 288,556 291,269 Credit to Non-Residents 127,605 146,802 166,028 173,194 164,070 192,938 182,313 164,847 173,832 174,430 175,095 182,202 190,061 Other Foreign Assets 43,453 48,114 55,858 82,188 79,602 78,530 71,196 66,276 68,198 70,159 70,505 71,842 71,692 2,693,807 2,868,516 3,082,934 3,128,031 3,190,154 3,252,485 3,188,014 3,175,850 3,208,761 3,247,128 3,321,488 3,290,173 3,282,069 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. CBUAE Classification : Public # Table 8 : Aggregated Balance Sheet of Banks - Liabilities ( All Banks ) (In Millions of AED) Item Domestic Liabilities Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 424,650 415,165 436,845 456,531 464,780 471,263 505,336 546,432 563,744 575,306 607,771 611,147 613,429 420,398 410,897 433,018 453,025 461,377 466,782 500,846 540,492 557,299 569,395 602,766 604,489 607,002 4,252 4,268 3,827 3,506 3,403 4,481 4,490 5,940 6,445 5,911 5,005 6,658 6,427 Quasi Monetary Deposits 783,220 822,210 897,476 911,407 899,998 900,161 878,071 844,716 828,462 816,858 860,501 856,228 857,624 Time Deposits ( LCY ) 394,115 399,605 440,735 440,924 416,404 397,102 376,152 345,453 333,975 320,546 330,271 328,577 332,166 Savings Deposits ( LCY ) 118,412 118,268 134,240 142,787 153,584 165,204 170,720 178,126 183,627 184,776 189,843 191,856 193,328 Other Deposits ( FCY ) 270,693 304,337 322,501 327,696 330,010 337,855 331,199 321,137 310,860 311,536 340,387 335,795 332,130 Government Deposits ( LCY + FCY ) 210,009 288,422 300,093 254,057 288,029 332,647 286,471 276,614 280,981 296,315 287,408 285,910 291,188 Other Domestic Deposits ( LCY + FCY ) ** 22,033 20,998 18,544 16,939 16,576 16,328 16,819 16,024 16,509 16,774 16,652 16,674 16,327 0 0 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 337,348 355,223 392,854 369,904 382,532 389,795 392,780 378,070 384,537 393,707 402,548 404,335 400,340 Due to Central Bank 6,165 2,950 5,453 12,364 47,101 51,134 31,523 25,503 21,635 16,530 2,848 3,058 4,063 Due to Resident Banks 48,925 57,201 47,933 59,124 53,413 57,984 32,510 36,606 29,860 32,776 32,939 36,210 33,280 Capital Market Funding & Term Borrowings 18,753 24,621 26,397 24,965 27,001 26,935 26,560 24,747 28,972 26,954 26,957 26,958 26,040 595,831 619,990 679,979 731,436 720,331 713,363 715,606 717,780 749,090 766,423 778,461 745,062 728,988 Due to H.O and/or Branches Abroad 62,891 54,542 76,669 79,738 88,220 82,479 62,459 59,781 57,445 56,929 62,486 59,004 61,835 Due to Other Banks Abroad 109,136 115,000 110,837 129,319 122,602 115,772 133,262 143,613 146,588 144,450 167,631 163,842 155,389 Capital Market Funding 124,024 128,187 156,158 153,379 153,181 169,803 170,991 178,194 181,744 179,390 184,395 167,201 160,908 Other Term Borrowings 45,951 47,953 47,269 46,763 50,352 52,682 55,403 52,669 54,364 58,484 49,986 51,363 52,218 Other Deposits ( LCY + FCY ) 191,677 213,413 221,372 216,751 200,368 191,347 202,443 203,514 225,711 243,156 230,994 220,481 217,490 Other Foreign Liabilities 62,152 60,895 67,674 105,486 105,608 101,280 91,048 80,009 83,238 84,014 82,969 83,171 81,148 246,873 261,736 277,360 291,304 290,393 292,875 302,338 309,358 304,971 305,485 305,403 304,591 310,790 6,900 9,426 7,498 9,030 6,964 6,521 4,174 11,636 7,151 12,767 14,013 4,886 6,821 239,973 252,310 269,862 282,274 283,429 286,354 298,164 297,722 297,820 292,718 291,390 299,705 303,969 113,295 123,032 132,700 140,609 145,822 150,579 156,248 157,840 159,350 155,627 155,547 157,154 157,098 2,693,807 2,868,516 3,082,934 3,128,031 3,190,154 3,252,485 3,188,014 3,175,850 3,208,761 3,247,128 3,321,488 3,290,173 3,282,069 Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Government Lending Funds *** 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. CBUAE Classification : Public # Aggregated Balance Sheet of Banks - Assets 3,200 3,200 3,000 3,000 2,800 2,800 2,600 2,600 2,400 2,400 2,200 2,200 2,000 2,000 1,800 1,800 1,600 1,600 1,400 1,400 1,200 1,200 1,000 1,000 800 800 600 600 400 400 200 200 0 Aggregated Balance Sheet of Banks Liabilities & Capital 0 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 AED Bln Dec Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb 2017 2018 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 AED Bln Domestic Credit Cash and Deposits with C.B Due From Resident Banks Foreign Assets Domestic Investments Page 15 Resident Deposits Capital and Reserves Due to Resident Banks Foreign Liabilities Other Liabilities
  16. CBUAE Classification : Public # Table 9 : Aggregated Balance Sheet of Banks - Assets ( National Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 243,605 253,571 260,458 259,209 245,622 255,971 259,236 263,024 259,526 262,785 291,537 294,694 299,501 Cash in Hand ( LCY ) 15,690 13,645 13,556 16,441 12,078 13,183 14,591 13,560 13,760 13,866 16,296 14,176 13,221 Deposits with Central Bank 227,915 239,926 246,902 242,768 233,544 242,788 244,645 249,464 245,766 248,919 275,241 280,518 286,280 38,594 50,056 38,375 44,687 39,056 44,615 24,734 28,234 23,778 24,253 19,888 23,191 21,361 Domestic Credit and Investments 1,443,750 1,507,020 1,592,976 1,590,884 1,632,445 1,632,817 1,624,627 1,620,610 1,626,344 1,638,852 1,646,596 1,644,927 1,642,660 a) Credit Facilities 1,289,562 1,350,933 1,436,345 1,436,162 1,462,011 1,454,840 1,446,012 1,443,471 1,450,691 1,459,234 1,470,505 1,474,102 1,475,844 949,012 994,452 1,002,534 1,014,742 1,004,855 995,060 985,675 986,018 994,543 1,004,188 1,003,614 1,006,487 1,010,373 Commercial Bills 28,478 30,785 37,928 38,464 38,525 34,958 31,617 35,335 35,657 35,832 37,525 39,428 39,896 Loans,Advances, Overdrafts & Real Estate Mortgage loans. 920,534 963,667 964,606 976,278 966,330 960,102 954,058 950,683 958,886 968,356 966,089 967,059 970,477 Claims on Government 170,096 184,825 250,422 221,429 241,869 244,495 242,135 243,385 235,073 233,413 223,299 213,142 212,747 Claims on Official Entities ( GREs ) 152,465 152,372 169,319 185,745 199,935 200,203 203,087 199,028 208,904 208,123 229,076 239,297 237,734 2,483 2,371 2,478 2,803 2,269 3,723 5,377 5,908 7,271 7,227 8,030 7,673 7,539 149,982 150,001 166,841 182,942 197,666 196,480 197,710 193,120 201,633 200,896 221,046 231,624 230,195 17,989 19,284 14,070 14,246 15,352 15,082 15,115 15,040 12,171 13,510 14,516 15,176 14,990 17,989 19,284 14,070 14,246 15,352 15,082 15,115 15,040 12,171 13,510 14,516 15,176 14,990 b) Domestic Investments 154,188 156,087 156,631 154,722 170,434 177,977 178,615 177,139 175,653 179,618 176,091 170,825 166,816 Unclassified Assets 129,051 133,514 152,983 168,822 166,449 173,599 169,806 154,357 162,840 154,472 153,428 158,289 158,219 Fixed Assets 26,609 26,998 32,063 32,267 31,941 32,182 33,208 32,900 33,065 32,001 32,092 32,808 32,801 Inter-Branch Transactions 10,565 8,584 8,758 12,613 6,957 11,257 9,070 2,720 2,890 3,241 4,412 4,965 5,162 Other Assets 91,877 97,932 112,162 123,942 127,551 130,160 127,528 118,737 126,885 119,230 116,924 120,516 120,256 478,447 570,210 643,458 665,452 693,878 736,038 707,268 711,645 736,459 763,074 794,516 759,184 751,065 Due from H.O. and/or Branches Abroad 82,805 141,068 141,353 138,492 164,793 175,722 145,068 146,172 142,102 150,312 179,284 142,051 109,925 Due from Other Banks Abroad 118,948 120,772 118,760 121,514 120,244 119,017 120,908 143,400 149,213 156,933 155,384 152,220 162,603 170 123 119 125 114 159 126 106 97 108 107 107 127 Securities 136,537 149,423 203,222 192,889 204,674 212,331 225,475 225,805 238,914 245,131 247,104 247,662 253,691 Credit to Non-Residents 101,671 114,803 129,340 138,162 131,764 157,656 152,350 136,528 144,695 147,358 148,946 152,614 160,233 Other Foreign Assets 38,316 44,021 50,664 74,270 72,289 71,153 63,341 59,634 61,438 63,232 63,691 64,530 64,486 2,333,447 2,514,371 2,688,250 2,729,054 2,777,450 2,843,040 2,785,671 2,777,870 2,808,947 2,843,436 2,905,965 2,880,285 2,872,806 Domestic Assets Cash and Deposits with C.B Due From Resident Banks Claims on Private Sector 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. CBUAE Classification : Public # Table 10 : Aggregated Balance Sheet of Banks - Liabilities ( National Banks ) (In Millions of AED) Item Domestic Liabilities Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 360,527 356,254 374,401 392,029 398,609 400,626 427,062 467,594 483,607 493,072 524,246 529,205 529,551 356,783 352,891 370,979 389,055 395,617 396,600 422,994 462,313 477,943 487,997 519,861 523,178 523,855 3,744 3,363 3,422 2,974 2,992 4,026 4,068 5,281 5,664 5,075 4,385 6,027 5,696 Quasi Monetary Deposits 679,285 721,652 784,876 792,792 777,854 782,558 762,356 733,365 720,615 706,854 746,075 740,788 741,339 Time Deposits ( LCY ) 352,229 359,304 399,758 401,439 378,795 362,725 344,307 316,578 306,743 293,507 303,283 301,262 304,945 Savings Deposits ( LCY ) 110,506 110,691 125,893 133,683 141,127 152,351 157,675 164,634 170,121 171,178 176,290 178,103 179,402 Other Deposits ( FCY ) 216,550 251,657 259,225 257,670 257,932 267,482 260,374 252,153 243,751 242,169 266,502 261,423 256,992 Government Deposits ( LCY + FCY ) 208,128 286,918 298,954 253,038 287,061 331,877 285,721 275,612 280,311 294,971 285,052 284,639 290,408 Other Domestic Deposits ( LCY + FCY ) ** 17,183 16,729 14,650 13,410 13,005 12,979 13,594 12,794 13,384 13,556 13,275 13,316 13,008 0 0 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 287,562 302,545 336,034 313,460 327,578 334,988 339,327 324,568 330,903 339,507 348,596 350,169 346,040 Due to Central Bank 6,095 2,889 635 11,169 45,467 47,505 30,762 25,002 21,611 16,407 2,830 3,025 3,414 Due to Resident Banks 46,604 55,259 46,236 57,188 50,372 57,176 31,669 34,481 26,939 31,531 31,700 33,995 32,173 Capital Market Funding & Term Borrowings 18,753 24,621 26,397 24,965 27,001 26,935 26,560 24,747 28,972 26,954 26,957 26,958 26,040 502,313 527,098 575,534 626,328 611,322 602,973 613,848 617,204 643,408 659,263 665,190 637,832 622,949 Due to H.O and/or Branches Abroad 38,549 29,228 34,509 43,313 45,708 37,820 27,683 22,849 20,075 23,051 25,604 22,207 25,900 Due to Other Banks Abroad 95,216 101,919 94,616 108,497 104,011 97,948 114,495 122,885 121,564 115,852 134,896 137,123 129,451 Capital Market Funding 112,826 116,434 149,189 148,292 148,107 164,831 165,879 174,380 178,385 176,369 181,608 164,522 158,252 Other Term Borrowings 44,666 46,667 46,871 46,366 49,955 52,285 55,006 52,240 53,935 58,035 49,538 50,914 51,769 Other Deposits ( LCY + FCY ) 158,466 180,413 188,504 184,588 167,465 157,647 168,895 171,915 193,589 209,410 198,345 187,434 183,808 Other Foreign Liabilities 52,590 52,437 61,845 95,272 96,076 92,442 81,890 72,935 75,860 76,546 75,199 75,632 73,769 206,997 220,406 230,533 244,675 239,181 245,423 254,772 262,503 259,197 261,321 262,044 260,358 267,884 6,749 9,396 7,438 8,952 6,896 6,506 4,147 11,585 7,085 12,707 13,952 4,787 6,690 200,248 211,010 223,095 235,723 232,285 238,917 250,625 250,918 252,112 248,614 248,092 255,571 261,194 86,925 93,777 103,713 109,977 113,540 117,363 122,568 123,900 126,070 123,865 124,486 126,142 127,006 2,333,447 2,514,371 2,688,250 2,729,054 2,777,450 2,843,040 2,785,671 2,777,870 2,808,947 2,843,436 2,905,965 2,880,285 2,872,806 Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Government Lending Funds *** 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. CBUAE Classification : Public # Table 11 : Aggregated Balance Sheet of Banks - Assets ( Foreign Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 64,086 53,519 71,443 67,566 68,656 63,255 72,012 75,692 84,008 86,087 90,341 85,590 86,394 Cash in Hand ( LCY ) 1,980 1,660 1,957 2,609 1,429 1,389 1,389 1,547 1,320 1,407 1,437 1,420 1,723 Deposits with Central Bank 62,106 51,859 69,486 64,957 67,227 61,866 70,623 74,145 82,688 84,680 88,904 84,170 84,671 Due From Resident Banks 15,359 14,146 14,740 18,930 18,766 17,051 14,989 15,326 12,636 15,647 16,009 15,952 15,482 Domestic Credit and Investments 166,910 161,995 161,597 164,079 170,182 162,810 156,659 152,104 151,715 149,822 155,921 154,037 156,163 a) Credit Facilities 163,134 158,504 156,264 158,915 164,816 156,827 150,774 146,137 144,891 142,837 148,452 144,027 144,188 137,402 135,615 132,081 134,246 134,528 126,670 122,614 119,701 118,260 115,240 117,131 114,279 111,590 Commercial Bills 16,273 14,521 12,978 13,006 12,556 11,290 10,217 10,170 10,398 10,107 10,048 9,709 9,330 Loans,Advances, Overdrafts & Real Estate Mortgage loans. 121,129 121,094 119,103 121,240 121,972 115,380 112,397 109,531 107,862 105,133 107,083 104,570 102,260 Claims on Government 5,332 6,673 6,961 7,657 10,518 10,986 9,788 9,142 10,616 11,752 12,739 11,726 12,167 Claims on Official Entities ( GREs ) 19,796 15,549 15,954 15,359 18,159 17,534 16,863 16,170 14,649 14,628 16,315 16,918 17,050 528 1,057 1,423 1,009 540 285 203 366 268 432 245 254 263 19,268 14,492 14,531 14,350 17,619 17,249 16,660 15,804 14,381 14,196 16,070 16,664 16,787 604 667 1,268 1,653 1,611 1,637 1,509 1,124 1,366 1,217 2,267 1,104 3,381 604 667 1,268 1,653 1,611 1,637 1,509 1,124 1,366 1,217 2,267 1,104 3,381 b) Domestic Investments 3,776 3,491 5,333 5,164 5,366 5,983 5,885 5,967 6,824 6,985 7,469 10,010 11,975 Unclassified Assets 13,463 15,048 19,270 22,214 20,530 18,203 16,874 16,785 16,035 16,497 14,599 15,351 15,399 Fixed Assets 663 1,653 1,803 1,776 1,748 1,720 1,778 1,825 1,800 1,793 1,763 1,775 1,587 Inter-Branch Transactions 35 6 6 9 71 15 20 22 24 56 21 66 568 12,765 13,389 17,461 20,429 18,711 16,468 15,076 14,938 14,211 14,648 12,815 13,510 13,244 100,542 109,437 127,634 126,188 134,570 148,126 141,809 138,073 135,420 135,639 138,653 138,958 135,825 Due from H.O. and/or Branches Abroad 21,637 19,523 13,282 14,466 12,659 12,050 10,959 12,931 10,379 10,799 10,807 10,783 11,678 Due from Other Banks Abroad 31,162 29,993 38,682 43,909 40,333 48,896 47,285 44,104 44,257 46,703 52,253 50,327 49,473 70 35 25 41 35 21 39 69 37 41 57 54 62 Securities 16,602 23,794 33,763 24,822 41,924 44,500 45,708 46,008 44,850 44,097 42,573 40,894 37,578 Credit to Non-Residents 25,934 31,999 36,688 35,032 32,306 35,282 29,963 28,319 29,137 27,072 26,149 29,588 29,828 Other Foreign Assets 5,137 4,093 5,194 7,918 7,313 7,377 7,855 6,642 6,760 6,927 6,814 7,312 7,206 360,360 354,145 394,684 398,977 412,704 409,445 402,343 397,980 399,814 403,692 415,523 409,888 409,263 Domestic Assets Cash and Deposits with C.B Claims on Private Sector 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. CBUAE Classification : Public # Table 12 : Aggregated Balance Sheet of Banks - Liabilities ( Foreign Banks ) (In Millions of AED) Item Domestic Liabilities Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 64,123 58,911 62,444 64,502 66,171 70,637 78,274 78,838 80,137 82,234 83,525 81,942 83,878 63,615 58,006 62,039 63,970 65,760 70,182 77,852 78,179 79,356 81,398 82,905 81,311 83,147 508 905 405 532 411 455 422 659 781 836 620 631 731 Quasi Monetary Deposits 103,935 100,558 112,600 118,615 122,144 117,603 115,715 111,351 107,847 110,004 114,426 115,440 116,285 Time Deposits ( LCY ) 41,886 40,301 40,977 39,485 37,609 34,377 31,845 28,875 27,232 27,039 26,988 27,315 27,221 Savings Deposits ( LCY ) 7,906 7,577 8,347 9,104 12,457 12,853 13,045 13,492 13,506 13,598 13,553 13,753 13,926 Other Deposits ( FCY ) 54,143 52,680 63,276 70,026 72,078 70,373 70,825 68,984 67,109 69,367 73,885 74,372 75,138 Government Deposits ( LCY + FCY ) 1,881 1,504 1,139 1,019 968 770 750 1,002 670 1,344 2,356 1,271 780 Other Domestic Deposits ( LCY + FCY ) ** 4,850 4,269 3,894 3,529 3,571 3,349 3,225 3,230 3,125 3,218 3,377 3,358 3,319 0 0 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 49,786 52,678 56,820 56,444 54,954 54,807 53,453 53,502 53,634 54,200 53,952 54,166 54,300 Due to Central Bank 70 61 4,818 1,195 1,634 3,629 761 501 24 123 18 33 649 2,321 1,942 1,697 1,936 3,041 808 841 2,125 2,921 1,245 1,239 2,215 1,107 0 0 0 0 0 0 0 0 0 0 0 0 0 93,518 92,892 104,445 105,108 109,009 110,390 101,758 100,576 105,682 107,160 113,271 107,230 106,039 Due to H.O and/or Branches Abroad 24,342 25,314 42,160 36,425 42,512 44,659 34,776 36,932 37,370 33,878 36,882 36,797 35,935 Due to Other Banks Abroad 13,920 13,081 16,221 20,822 18,591 17,824 18,767 20,728 25,024 28,598 32,735 26,719 25,938 Capital Market Funding 11,198 11,753 6,969 5,087 5,074 4,972 5,112 3,814 3,359 3,021 2,787 2,679 2,656 Other Term Borrowings 1,285 1,286 398 397 397 397 397 429 429 449 448 449 449 Other Deposits ( LCY + FCY ) 33,211 33,000 32,868 32,163 32,903 33,700 33,548 31,599 32,122 33,746 32,649 33,047 33,682 Other Foreign Liabilities 9,562 8,458 5,829 10,214 9,532 8,838 9,158 7,074 7,378 7,468 7,770 7,539 7,379 39,876 41,330 46,827 46,629 51,212 47,452 47,566 46,855 45,774 44,164 43,359 44,233 42,906 151 30 60 78 68 15 27 51 66 60 61 99 131 39,725 41,300 46,767 46,551 51,144 47,437 47,539 46,804 45,708 44,104 43,298 44,134 42,775 26,370 29,255 28,987 30,632 32,282 33,216 33,680 33,940 33,280 31,762 31,061 31,012 30,092 360,360 354,145 394,684 398,977 412,704 409,445 402,343 397,980 399,814 403,692 415,523 409,888 409,263 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 Prepayments (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense Page 19
  20. CBUAE Classification : Public # Table 13 : Aggregated Balance Sheet of Banks - Assets ( Conventional Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 231,152 232,445 258,396 259,442 245,914 238,432 252,120 255,219 264,314 268,789 307,529 311,822 319,775 Cash in Hand ( LCY ) 13,288 10,846 10,924 13,736 9,295 10,054 11,278 10,806 10,420 10,282 12,251 10,915 10,486 Deposits with Central Bank 217,864 221,599 247,472 245,706 236,619 228,378 240,842 244,413 253,894 258,507 295,278 300,907 309,289 38,130 43,001 38,445 45,048 44,212 41,197 32,359 35,210 28,598 33,045 30,133 32,508 30,393 Domestic Credit and Investments 1,239,531 1,276,286 1,371,513 1,364,327 1,385,701 1,378,112 1,373,506 1,366,726 1,377,053 1,387,793 1,407,069 1,402,483 1,398,545 a) Credit Facilities 1,123,105 1,165,054 1,255,716 1,254,229 1,262,258 1,247,138 1,236,998 1,231,800 1,240,139 1,248,071 1,270,066 1,268,662 1,268,944 805,649 834,614 849,126 865,113 856,492 838,749 829,243 829,719 835,243 843,615 843,753 844,068 842,792 Commercial Bills 44,751 45,306 50,906 51,470 51,081 46,248 41,834 45,505 46,055 45,939 47,573 49,137 49,226 Loans,Advances, Overdrafts & Real Estate Mortgage loans. 760,898 789,308 798,220 813,643 805,411 792,501 787,409 784,214 789,188 797,676 796,180 794,931 793,566 Claims on Government 163,466 177,249 239,706 211,349 216,860 220,720 218,595 217,021 212,687 212,188 210,615 199,314 199,564 Claims on Official Entities ( GREs ) 139,277 136,587 153,842 163,877 173,838 172,661 174,238 170,581 180,394 179,340 200,652 210,543 209,759 3,011 3,428 3,901 3,812 2,809 4,008 5,580 6,275 7,539 7,659 8,275 7,927 7,802 136,266 133,159 149,941 160,065 171,029 168,653 168,658 164,306 172,855 171,681 192,377 202,616 201,957 14,713 16,604 13,042 13,890 15,068 15,008 14,922 14,479 11,815 12,928 15,046 14,737 16,829 14,713 16,604 13,042 13,890 15,068 15,008 14,922 14,479 11,815 12,928 15,046 14,737 16,829 b) Domestic Investments 116,426 111,232 115,797 110,098 123,443 130,974 136,508 134,926 136,914 139,722 137,003 133,821 129,601 Unclassified Assets 115,371 122,600 141,879 162,214 158,233 162,629 151,253 139,807 145,870 141,800 139,344 144,282 143,949 Fixed Assets 21,444 23,111 27,695 28,966 28,677 28,954 30,092 29,823 30,255 29,216 28,048 29,045 28,861 Inter-Branch Transactions 10,276 8,590 8,764 12,622 7,028 11,272 9,090 2,742 2,914 3,297 4,433 5,031 5,730 Other Assets 83,651 90,899 105,420 120,626 122,528 122,403 112,071 107,242 112,701 109,287 106,863 110,206 109,358 519,452 611,608 699,859 721,947 756,370 813,009 777,606 774,926 791,459 817,972 847,091 809,370 796,297 Due from H.O. and/or Branches Abroad 103,219 159,503 153,334 151,197 175,615 187,263 155,295 158,379 151,800 160,615 189,509 152,202 120,742 Due from Other Banks Abroad 136,343 140,423 147,013 156,706 149,793 157,954 158,226 177,281 182,626 192,937 195,407 191,337 199,399 220 141 128 152 134 164 149 145 121 136 149 149 167 Securities 133,347 146,024 207,174 188,410 216,639 227,042 243,381 241,709 247,784 253,497 251,875 247,266 249,769 Credit to Non-Residents 103,217 117,876 136,877 144,257 135,357 163,134 150,278 132,319 142,043 141,952 140,942 148,229 156,177 Other Foreign Assets 43,106 47,641 55,333 81,225 78,832 77,452 70,277 65,093 67,085 68,835 69,209 70,187 70,043 2,143,636 2,285,940 2,510,092 2,552,978 2,590,430 2,633,379 2,586,844 2,571,888 2,607,294 2,649,399 2,731,166 2,700,465 2,688,959 Domestic Assets Cash and Deposits with C.B Due From Resident Banks Claims on Private Sector 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. CBUAE Classification : Public # Table 14 : Aggregated Balance Sheet of Banks - Liabilities ( Conventional Banks ) (In Millions of AED) Item Domestic Liabilities Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 336,520 327,894 359,921 377,718 382,018 386,950 420,414 456,040 472,547 481,737 515,958 518,729 518,359 333,088 324,521 356,837 374,882 379,430 383,303 416,973 450,996 466,985 476,928 511,921 513,184 513,230 3,432 3,373 3,084 2,836 2,588 3,647 3,441 5,044 5,562 4,809 4,037 5,545 5,129 Quasi Monetary Deposits 557,251 597,326 668,222 687,287 680,485 677,926 654,115 622,969 604,627 590,343 627,414 620,927 619,515 Time Deposits ( LCY ) 276,752 284,598 329,753 335,260 313,887 295,219 273,121 248,574 237,023 221,962 227,361 225,113 225,784 Savings Deposits ( LCY ) 50,218 49,678 55,469 59,506 68,541 74,064 77,526 81,154 83,660 84,159 84,860 85,399 87,174 Other Deposits ( FCY ) 230,281 263,050 283,000 292,521 298,057 308,643 303,468 293,241 283,944 284,222 315,193 310,415 306,557 Government Deposits ( LCY + FCY ) 157,150 224,839 234,880 187,828 213,002 253,816 217,387 207,064 212,174 231,758 225,784 223,394 228,600 Other Domestic Deposits ( LCY + FCY ) ** 17,127 16,850 14,846 14,221 14,001 13,595 13,459 13,045 13,731 14,215 14,029 13,994 13,810 0 0 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 283,667 293,160 328,007 304,676 315,864 321,734 324,708 316,179 321,644 328,860 336,778 338,065 333,442 Due to Central Bank 810 126 4,924 9,696 32,629 40,492 24,463 19,975 17,013 12,298 2,609 2,982 3,935 Due to Resident Banks 31,712 37,707 36,272 45,739 38,028 33,839 22,424 24,269 21,413 26,135 27,534 31,332 27,311 Capital Market Funding & Term Borrowings 2,893 3,253 2,529 2,932 2,950 2,886 2,535 2,533 3,084 2,902 2,904 2,905 2,905 565,157 577,983 636,759 688,332 674,402 663,589 663,648 656,895 691,741 708,650 726,628 697,820 684,584 Due to H.O and/or Branches Abroad 62,695 53,712 76,238 79,286 87,853 81,867 61,746 58,869 56,687 56,239 62,062 58,168 61,110 Due to Other Banks Abroad 100,352 103,510 101,899 121,997 111,224 102,946 120,351 129,818 137,039 135,064 157,380 153,449 144,853 Capital Market Funding 115,468 121,478 150,653 147,873 147,676 162,463 163,651 170,855 178,078 175,723 178,891 161,697 155,404 Other Term Borrowings 45,951 47,953 47,269 46,763 50,352 52,682 55,403 52,669 54,364 58,484 49,986 51,362 52,218 Other Deposits ( LCY + FCY ) 178,860 190,860 193,705 187,849 172,575 163,488 172,344 165,575 183,283 200,565 196,400 191,254 191,026 Other Foreign Liabilities 61,831 60,470 66,995 104,564 104,722 100,143 90,153 79,109 82,290 82,575 81,909 81,890 79,973 191,349 206,802 223,732 234,549 237,051 238,552 243,691 252,919 249,320 252,501 251,528 250,317 256,498 6,879 9,297 5,893 7,483 5,029 4,598 2,290 9,759 5,193 10,814 12,477 3,356 5,412 184,470 197,505 217,839 227,066 232,022 233,954 241,401 243,160 244,127 241,687 239,051 246,961 251,086 90,943 100,382 111,330 117,997 122,877 126,719 132,517 133,488 134,960 133,153 132,852 134,252 134,111 2,143,636 2,285,940 2,510,092 2,552,978 2,590,430 2,633,379 2,586,844 2,571,888 2,607,294 2,649,399 2,731,166 2,700,465 2,688,959 Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Government Lending Funds *** 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. CBUAE Classification : Public # Table 15 : Aggregated Balance Sheet of Banks - Assets ( Islamic Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 76,539 74,645 73,505 67,333 68,364 80,794 79,128 83,497 79,220 80,083 74,349 68,462 66,120 Cash in Hand ( LCY ) 4,382 4,459 4,589 5,314 4,212 4,518 4,702 4,301 4,660 4,991 5,482 4,681 4,458 Deposits with Central Bank 72,157 70,186 68,916 62,019 64,152 76,276 74,426 79,196 74,560 75,092 68,867 63,781 61,662 Due From Resident Banks 15,823 21,201 14,670 18,569 13,610 20,469 7,364 8,350 7,816 6,855 5,764 6,635 6,450 Domestic Credit and Investments 371,129 392,729 383,060 390,636 416,926 417,515 407,780 405,988 401,006 400,881 395,448 396,481 400,278 a) Credit Facilities 329,591 344,383 336,893 340,848 364,569 364,529 359,788 357,808 355,443 354,000 348,891 349,467 351,088 280,765 295,453 285,489 283,875 282,891 282,981 279,046 276,000 277,560 275,813 276,992 276,698 279,171 0 0 0 0 0 0 0 0 0 0 0 0 0 280,765 295,453 285,489 283,875 282,891 282,981 279,046 276,000 277,560 275,813 276,992 276,698 279,171 Claims on Government 11,962 14,249 17,677 17,737 35,527 34,761 33,328 35,506 33,002 32,977 25,423 25,554 25,350 Claims on Official Entities ( GREs ) 32,984 31,334 31,431 37,227 44,256 45,076 45,712 44,617 43,159 43,411 44,739 45,672 45,025 0 0 0 0 0 0 0 0 0 0 0 0 0 32,984 31,334 31,431 37,227 44,256 45,076 45,712 44,617 43,159 43,411 44,739 45,672 45,025 3,880 3,347 2,296 2,009 1,895 1,711 1,702 1,685 1,722 1,799 1,737 1,543 1,542 3,880 3,347 2,296 2,009 1,895 1,711 1,702 1,685 1,722 1,799 1,737 1,543 1,542 b) Domestic Investments 41,538 48,346 46,167 49,788 52,357 52,986 47,992 48,180 45,563 46,881 46,557 47,014 49,190 Unclassified Assets 27,143 25,962 30,374 28,822 28,746 29,173 35,427 31,335 33,005 29,169 28,683 29,358 29,669 5,828 5,540 6,171 5,077 5,012 4,948 4,894 4,902 4,610 4,578 5,807 5,538 5,527 324 0 0 0 0 0 0 0 0 0 0 0 0 20,991 20,422 24,203 23,745 23,734 24,225 30,533 26,433 28,395 24,591 22,876 23,820 24,142 59,537 68,039 71,233 69,693 72,078 71,155 71,471 74,792 80,420 80,741 86,078 88,772 90,593 Due from H.O. and/or Branches Abroad 1,223 1,088 1,301 1,761 1,837 509 732 724 681 496 582 632 861 Due from Other Banks Abroad 13,767 10,342 10,429 8,717 10,784 9,959 9,967 10,223 10,844 10,699 12,230 11,210 12,677 20 17 16 14 15 16 16 30 13 13 15 12 22 Securities 19,792 27,193 29,811 29,301 29,959 29,789 27,802 30,104 35,980 35,731 37,802 41,290 41,500 Credit to Non-Residents 24,388 28,926 29,151 28,937 28,713 29,804 32,035 32,528 31,789 32,478 34,153 33,973 33,884 347 473 525 963 770 1,078 919 1,183 1,113 1,324 1,296 1,655 1,649 550,171 582,576 572,842 575,053 599,724 619,106 601,170 603,962 601,467 597,729 590,322 589,708 593,110 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 Fixed Assets Inter-Branch Transactions Other Assets Foreign Assets Cash in Hand ( FCY ) Other Foreign Assets Total Assets * Preliminary Page 22
  23. CBUAE Classification : Public # Table 16 : Aggregated Balance Sheet of Banks - Liabilities ( Islamic Banks ) (In Millions of AED) Item Domestic Liabilities Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 88,130 87,271 76,924 78,813 82,762 84,313 84,922 90,392 91,197 93,569 91,813 92,418 95,070 87,310 86,376 76,181 78,143 81,947 83,479 83,873 89,496 90,314 92,467 90,845 91,305 93,772 820 895 743 670 815 834 1,049 896 883 1,102 968 1,113 1,298 Quasi Monetary Deposits 225,969 224,884 229,254 224,120 219,513 222,235 223,956 221,747 223,835 226,515 233,087 235,301 238,109 Time Deposits ( LCY ) 117,363 115,007 110,982 105,664 102,517 101,883 103,031 96,879 96,952 98,584 102,910 103,464 106,382 Savings Deposits ( LCY ) 68,194 68,590 78,771 83,281 85,043 91,140 93,194 96,972 99,967 100,617 104,983 106,457 106,154 Other Deposits ( FCY ) 40,412 41,287 39,501 35,175 31,953 29,212 27,731 27,896 26,916 27,314 25,194 25,380 25,573 Government Deposits ( LCY + FCY ) 52,859 63,583 65,213 66,229 75,027 78,831 69,084 69,550 68,807 64,557 61,624 62,516 62,588 Other Domestic Deposits ( LCY + FCY ) ** 4,906 4,148 3,698 2,718 2,575 2,733 3,360 2,979 2,778 2,559 2,623 2,680 2,517 0 0 0 0 0 0 0 0 0 0 0 0 0 Capital and Reserves 53,681 62,063 64,847 65,228 66,668 68,061 68,072 61,891 62,893 64,847 65,770 66,270 66,898 Due to Central Bank 5,355 2,824 529 2,668 14,472 10,642 7,060 5,528 4,622 4,232 239 76 128 Due to Resident Banks 17,213 19,494 11,661 13,385 15,385 24,145 10,086 12,337 8,447 6,641 5,405 4,878 5,969 Capital Market Funding & Term Borrowings 15,860 21,368 23,868 22,033 24,051 24,049 24,025 22,214 25,888 24,052 24,053 24,053 23,135 30,674 42,007 43,220 43,104 45,929 49,774 51,958 60,885 57,349 57,773 51,833 47,242 44,404 196 830 431 452 367 612 713 912 758 690 424 836 725 Due to Other Banks Abroad 8,784 11,490 8,938 7,322 11,378 12,826 12,911 13,795 9,549 9,386 10,251 10,393 10,536 Capital Market Funding 8,556 6,709 5,505 5,506 5,505 7,340 7,340 7,339 3,666 3,667 5,504 5,504 5,504 Other Term Borrowings 0 0 0 0 0 0 0 0 0 0 0 1 0 12,817 22,553 27,667 28,902 27,793 27,859 30,099 37,939 42,428 42,591 34,594 29,227 26,464 321 425 679 922 886 1,137 895 900 948 1,439 1,060 1,281 1,175 55,524 54,934 53,628 56,755 53,342 54,323 58,647 56,439 55,651 52,984 53,875 54,274 54,292 21 129 1,605 1,547 1,935 1,923 1,884 1,877 1,958 1,953 1,536 1,530 1,409 55,503 54,805 52,023 55,208 51,407 52,400 56,763 54,562 53,693 51,031 52,339 52,744 52,883 22,352 22,650 21,370 22,612 22,945 23,860 23,731 24,352 24,390 22,474 22,695 22,902 22,987 550,171 582,576 572,842 575,053 599,724 619,106 601,170 603,962 601,467 597,729 590,322 589,708 593,110 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 Prepayments (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense Page 23
  24. CBUAE Classification : Public # Table 17 : Aggregated Memoranda Accounts of Banks (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Memoranda Accounts / Off-Balance Sheet Items Letters of Credit 84,647 99,796 104,731 101,816 96,035 98,262 102,672 103,930 102,557 103,619 106,886 100,519 98,499 Guarantees 384,475 390,886 387,646 382,840 376,068 364,481 356,939 341,750 341,149 331,254 340,666 337,425 338,876 Commitments 197,290 201,598 210,883 250,191 229,598 226,696 245,836 244,741 238,305 245,406 230,735 237,087 236,703 FX Derivatives 497,028 464,870 700,037 680,572 773,336 643,263 675,722 646,704 598,066 554,456 549,823 516,261 470,567 1,941,968 2,340,766 2,753,030 2,853,162 3,073,316 3,222,284 3,174,285 3,356,799 4,015,356 4,177,283 4,256,463 4,645,353 4,565,934 Others Derivatives 42,126 49,457 30,249 48,908 47,939 37,938 41,857 45,509 47,661 50,424 51,080 52,653 57,214 Other Memoranda Items 27,576 41,219 52,456 50,323 44,802 30,981 9,687 13,656 18,409 13,992 24,155 13,165 12,431 3,175,110 3,588,592 4,239,032 4,367,812 4,641,094 4,623,905 4,606,998 4,753,089 5,361,503 5,476,434 5,559,808 5,902,463 5,780,224 Interest Rate Derivatives Total Memoranda Accounts * Preliminary Page 24
  25. CBUAE Classification : Public # Table 18 : Banks' Foreign Assets and Liabilities ( All Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Foreign Assets 578,989 679,647 771,092 791,640 828,448 884,164 849,077 849,718 871,879 898,713 933,169 898,142 886,890 Notes and Coins 240 158 144 166 149 180 165 175 134 149 164 161 189 Due from H.O. and/or Branches Abroad 104,442 160,591 154,635 152,958 177,452 187,772 156,027 159,103 152,481 161,111 190,091 152,834 121,603 Due from Other Banks Abroad 150,110 150,765 157,442 165,423 160,577 167,913 168,193 187,504 193,470 203,636 207,637 202,547 212,076 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement 79,207 76,517 79,766 84,316 91,192 94,425 102,595 120,022 114,611 115,434 118,001 113,253 117,512 - Term Placements 40,923 34,256 34,869 37,402 31,999 38,298 32,025 31,799 29,869 33,515 35,936 34,944 37,919 - Term Loans 29,980 39,992 42,807 43,705 37,386 35,190 33,573 35,683 48,990 54,687 53,700 54,350 56,645 Securities 153,139 173,217 236,985 217,711 246,598 256,831 271,183 271,813 283,764 289,228 289,677 288,556 291,269 Loans and Advances 127,605 146,802 166,028 173,194 164,070 192,938 182,313 164,847 173,832 174,430 175,095 182,202 190,061 Other Foreign Assets 43,453 48,114 55,858 82,188 79,602 78,530 71,196 66,276 68,198 70,159 70,505 71,842 71,692 Foreign Liabilities 595,831 619,990 679,979 731,436 720,331 713,363 715,606 717,780 749,090 766,423 778,461 745,062 728,988 Due to H.O and/or Branches Abroad 62,891 54,542 76,669 79,738 88,220 82,479 62,459 59,781 57,445 56,929 62,486 59,004 61,835 Due to Other Banks Abroad 109,136 115,000 110,837 129,319 122,602 115,772 133,262 143,613 146,588 144,450 167,631 163,842 155,389 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 54,141 62,979 56,426 74,294 69,131 58,434 74,289 83,562 83,908 83,054 100,722 101,684 92,858 - Inter Bank Borrowings 38,819 38,762 40,455 41,076 39,659 44,000 47,199 47,817 49,269 49,685 49,120 44,670 45,093 - Other Term Borrowings 16,176 13,259 13,956 13,949 13,812 13,338 11,774 12,234 13,411 11,711 17,789 17,488 17,438 Capital Market Funding 124,024 128,187 156,158 153,379 153,181 169,803 170,991 178,194 181,744 179,390 184,395 167,201 160,908 Other Term Borrowings 45,951 47,953 47,269 46,763 50,352 52,682 55,403 52,669 54,364 58,484 49,986 51,363 52,218 Other Deposits 191,677 213,413 221,372 216,751 200,368 191,347 202,443 203,514 225,711 243,156 230,994 220,481 217,490 - Demand Deposits 35,065 42,244 36,043 37,345 37,293 35,376 38,994 37,048 38,609 42,605 42,367 48,047 49,504 - Time Deposits 129,508 145,409 149,876 134,681 124,212 120,200 111,707 109,581 129,239 135,930 126,845 121,226 121,376 - Savings Deposits 20,087 17,196 17,312 16,882 17,448 17,469 18,192 18,622 19,231 19,214 19,375 19,260 19,474 323 707 359 745 690 668 660 455 438 404 532 512 521 6,694 7,857 17,782 27,098 20,725 17,634 32,890 37,808 38,194 45,003 41,875 31,436 26,615 62,152 60,895 67,674 105,486 105,608 101,280 91,048 80,009 83,238 84,014 82,969 83,171 81,148 - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 25
  26. CBUAE Classification : Public # Foreign Assets of Banks Foreign Liabilities of Banks 300 250 275 225 250 200 225 175 200 175 150 150 125 125 100 100 75 75 50 50 25 25 0 0 Dec Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb 2017 2018 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 AED Bln Due from H.O. and/or Branches Abroad Securities Other Foreign Assets Dec Dec Dec Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb 2017 2018 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 AED Bln Due from Other Banks Abroad Loans and Advances Page 26 Due to H.O and Branches Due to Other Banks Abroad Capital Market Funding Other Term Borrowings Other Deposits Other Foreign Liabiities
  27. CBUAE Classification : Public # Table 19 : Banks' Foreign Assets and Liabilities ( National Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Foreign Assets 478,447 570,210 643,458 665,452 693,878 736,038 707,268 711,645 736,459 763,074 794,516 759,184 751,065 Notes and Coins 170 123 119 125 114 159 126 106 97 108 107 107 127 Due from H.O. and/or Branches Abroad 82,805 141,068 141,353 138,492 164,793 175,722 145,068 146,172 142,102 150,312 179,284 142,051 109,925 Due from Other Banks Abroad 118,948 120,772 118,760 121,514 120,244 119,017 120,908 143,400 149,213 156,933 155,384 152,220 162,603 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement 64,534 63,314 66,641 66,009 71,074 69,364 80,342 97,112 90,528 91,445 90,059 85,232 90,861 - Term Placements 27,226 22,386 16,122 18,316 18,025 20,148 11,776 15,718 16,603 17,745 21,313 21,927 23,721 - Term Loans 27,188 35,072 35,997 37,189 31,145 29,505 28,790 30,570 42,082 47,743 44,012 45,061 48,021 Securities 136,537 149,423 203,222 192,889 204,674 212,331 225,475 225,805 238,914 245,131 247,104 247,662 253,691 Loans and Advances 101,671 114,803 129,340 138,162 131,764 157,656 152,350 136,528 144,695 147,358 148,946 152,614 160,233 Other Foreign Assets 38,316 44,021 50,664 74,270 72,289 71,153 63,341 59,634 61,438 63,232 63,691 64,530 64,486 Foreign Liabilities 502,313 527,098 575,534 626,328 611,322 602,973 613,848 617,204 643,408 659,263 665,190 637,832 622,949 Due to H.O and/or Branches Abroad 38,549 29,228 34,509 43,313 45,708 37,820 27,683 22,849 20,075 23,051 25,604 22,207 25,900 Due to Other Banks Abroad 95,216 101,919 94,616 108,497 104,011 97,948 114,495 122,885 121,564 115,852 134,896 137,123 129,451 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 47,473 57,698 48,851 63,157 59,439 50,828 62,729 70,064 66,478 61,594 75,938 82,264 73,865 - Inter Bank Borrowings 32,254 31,266 38,338 37,910 37,463 40,545 45,326 45,867 46,615 46,919 45,846 41,862 42,641 - Other Term Borrowings 15,489 12,955 7,427 7,430 7,109 6,575 6,440 6,954 8,471 7,339 13,112 12,997 12,945 Capital Market Funding 112,826 116,434 149,189 148,292 148,107 164,831 165,879 174,380 178,385 176,369 181,608 164,522 158,252 Other Term Borrowings 44,666 46,667 46,871 46,366 49,955 52,285 55,006 52,240 53,935 58,035 49,538 50,914 51,769 Other Deposits 158,466 180,413 188,504 184,588 167,465 157,647 168,895 171,915 193,589 209,410 198,345 187,434 183,808 - Demand Deposits 21,340 27,346 20,234 21,926 21,810 20,303 23,492 21,004 21,292 23,569 23,851 29,287 30,365 - Time Deposits 114,340 131,235 136,895 122,336 111,433 106,417 98,764 99,174 120,275 126,927 118,467 112,804 112,799 - Savings Deposits 15,979 13,411 13,377 12,903 13,230 13,026 13,434 13,635 13,587 13,727 13,817 13,592 13,701 114 564 216 325 267 267 315 294 241 184 335 315 328 6,693 7,857 17,782 27,098 20,725 17,634 32,890 37,808 38,194 45,003 41,875 31,436 26,615 52,590 52,437 61,845 95,272 96,076 92,442 81,890 72,935 75,860 76,546 75,199 75,632 73,769 - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 27
  28. CBUAE Classification : Public # Table 20 : Banks' Foreign Assets and Liabilities ( Foreign Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Foreign Assets 100,542 109,437 127,634 126,188 134,570 148,126 141,809 138,073 135,420 135,639 138,653 138,958 135,825 Notes and Coins 70 35 25 41 35 21 39 69 37 41 57 54 62 Due from H.O. and/or Branches Abroad 21,637 19,523 13,282 14,466 12,659 12,050 10,959 12,931 10,379 10,799 10,807 10,783 11,678 Due from Other Banks Abroad 31,162 29,993 38,682 43,909 40,333 48,896 47,285 44,104 44,257 46,703 52,253 50,327 49,473 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement 14,673 13,203 13,125 18,307 20,118 25,061 22,253 22,910 24,083 23,989 27,942 28,021 26,651 - Term Placements 13,697 11,870 18,747 19,086 13,974 18,150 20,249 16,081 13,266 15,770 14,623 13,017 14,198 - Term Loans 2,792 4,920 6,810 6,516 6,241 5,685 4,783 5,113 6,908 6,944 9,688 9,289 8,624 Securities 16,602 23,794 33,763 24,822 41,924 44,500 45,708 46,008 44,850 44,097 42,573 40,894 37,578 Loans and Advances 25,934 31,999 36,688 35,032 32,306 35,282 29,963 28,319 29,137 27,072 26,149 29,588 29,828 Other Foreign Assets 5,137 4,093 5,194 7,918 7,313 7,377 7,855 6,642 6,760 6,927 6,814 7,312 7,206 Foreign Liabilities 93,518 92,892 104,445 105,108 109,009 110,390 101,758 100,576 105,682 107,160 113,271 107,230 106,039 Due to H.O and/or Branches Abroad 24,342 25,314 42,160 36,425 42,512 44,659 34,776 36,932 37,370 33,878 36,882 36,797 35,935 Due to Other Banks Abroad 13,920 13,081 16,221 20,822 18,591 17,824 18,767 20,728 25,024 28,598 32,735 26,719 25,938 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 6,668 5,281 7,575 11,137 9,692 7,606 11,560 13,498 17,430 21,460 24,784 19,420 18,993 - Inter Bank Borrowings 6,565 7,496 2,117 3,166 2,196 3,455 1,873 1,950 2,654 2,766 3,274 2,808 2,452 - Other Term Borrowings 687 304 6,529 6,519 6,703 6,763 5,334 5,280 4,940 4,372 4,677 4,491 4,493 Capital Market Funding 11,198 11,753 6,969 5,087 5,074 4,972 5,112 3,814 3,359 3,021 2,787 2,679 2,656 Other Term Borrowings 1,285 1,286 398 397 397 397 397 429 429 449 448 449 449 Other Deposits 33,211 33,000 32,868 32,163 32,903 33,700 33,548 31,599 32,122 33,746 32,649 33,047 33,682 - Demand Deposits 13,726 14,898 15,809 15,419 15,483 15,073 15,502 16,044 17,317 19,036 18,516 18,760 19,139 - Time Deposits 15,169 14,175 12,981 12,345 12,779 13,783 12,943 10,407 8,963 9,003 8,378 8,422 8,577 - Savings Deposits 4,108 3,784 3,935 3,979 4,218 4,443 4,758 4,987 5,645 5,487 5,558 5,668 5,773 208 143 143 420 423 401 345 161 197 220 197 197 193 0 0 0 0 0 0 0 0 0 0 0 0 0 9,562 8,458 5,829 10,214 9,532 8,838 9,158 7,074 7,378 7,468 7,770 7,539 7,379 - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 28
  29. CBUAE Classification : Public # Table 21 : Banks' Foreign Assets and Liabilities ( Conventional Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Foreign Assets 519,452 611,608 699,859 721,947 756,370 813,009 777,606 774,926 791,459 817,972 847,091 809,370 796,297 Notes and Coins 220 141 128 152 134 164 149 145 121 136 149 149 167 Due from H.O. and/or Branches Abroad 103,219 159,503 153,334 151,197 175,615 187,263 155,295 158,379 151,800 160,615 189,509 152,202 120,742 Due from Other Banks Abroad 136,343 140,423 147,013 156,706 149,793 157,954 158,226 177,281 182,626 192,937 195,407 191,337 199,399 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement 70,805 71,734 75,725 81,153 85,433 91,066 99,278 116,757 112,435 112,184 114,270 110,507 114,653 - Term Placements 38,108 30,871 30,469 34,432 29,682 34,810 28,489 28,415 26,261 30,839 33,011 32,442 34,197 - Term Loans 27,430 37,818 40,819 41,121 34,678 32,078 30,459 32,109 43,930 49,914 48,126 48,388 50,549 Securities 133,347 146,024 207,174 188,410 216,639 227,042 243,381 241,709 247,784 253,497 251,875 247,266 249,769 Loans and Advances 103,217 117,876 136,877 144,257 135,357 163,134 150,278 132,319 142,043 141,952 140,942 148,229 156,177 Other Foreign Assets 43,106 47,641 55,333 81,225 78,832 77,452 70,277 65,093 67,085 68,835 69,209 70,187 70,043 Foreign Liabilities 565,157 577,983 636,759 688,332 674,402 663,589 663,648 656,895 691,741 708,650 726,628 697,820 684,584 Due to H.O and/or Branches Abroad 62,695 53,712 76,238 79,286 87,853 81,867 61,746 58,869 56,687 56,239 62,062 58,168 61,110 Due to Other Banks Abroad 100,352 103,510 101,899 121,997 111,224 102,946 120,351 129,818 137,039 135,064 157,380 153,449 144,853 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 50,214 56,791 51,595 69,402 61,408 48,910 64,860 74,380 77,808 77,103 93,407 94,000 84,496 - Inter Bank Borrowings 35,339 34,927 36,352 38,650 36,004 40,698 43,717 43,204 45,820 46,250 46,184 41,961 42,919 - Other Term Borrowings 14,799 11,792 13,952 13,945 13,812 13,338 11,774 12,234 13,411 11,711 17,789 17,488 17,438 Capital Market Funding 115,468 121,478 150,653 147,873 147,676 162,463 163,651 170,855 178,078 175,723 178,891 161,697 155,404 Other Term Borrowings 45,951 47,953 47,269 46,763 50,352 52,682 55,403 52,669 54,364 58,484 49,986 51,362 52,218 Other Deposits 178,860 190,860 193,705 187,849 172,575 163,488 172,344 165,575 183,283 200,565 196,400 191,254 191,026 - Demand Deposits 33,215 40,404 34,312 35,611 35,590 33,731 37,345 35,375 36,623 40,503 40,380 46,005 47,437 - Time Deposits 124,011 134,364 137,042 121,997 110,967 107,207 104,676 101,057 121,038 127,759 120,266 115,563 116,361 - Savings Deposits 16,814 13,893 13,947 13,198 13,744 13,984 14,486 14,981 15,692 15,659 15,532 15,966 16,105 292 618 293 661 619 618 623 415 408 383 492 473 481 4,528 1,581 8,111 16,382 11,655 7,948 15,214 13,747 9,522 16,261 19,730 13,247 10,642 61,831 60,470 66,995 104,564 104,722 100,143 90,153 79,109 82,290 82,575 81,909 81,890 79,973 - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 29
  30. CBUAE Classification : Public # Table 22 : Banks' Foreign Assets and Liabilities ( Islamic Banks ) (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Foreign Assets 59,537 68,039 71,233 69,693 72,078 71,155 71,471 74,792 80,420 80,741 86,078 88,772 90,593 Notes and Coins 20 17 16 14 15 16 16 30 13 13 15 12 22 Due from H.O. and/or Branches Abroad 1,223 1,088 1,301 1,761 1,837 509 732 724 681 496 582 632 861 Due from Other Banks Abroad 13,767 10,342 10,429 8,717 10,784 9,959 9,967 10,223 10,844 10,699 12,230 11,210 12,677 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement 8,402 4,783 4,041 3,163 5,759 3,359 3,317 3,265 2,176 3,250 3,731 2,746 2,859 - Term Placements 2,815 3,385 4,400 2,970 2,317 3,488 3,536 3,384 3,608 2,676 2,925 2,502 3,722 - Term Loans 2,550 2,174 1,988 2,584 2,708 3,112 3,114 3,574 5,060 4,773 5,574 5,962 6,096 Securities 19,792 27,193 29,811 29,301 29,959 29,789 27,802 30,104 35,980 35,731 37,802 41,290 41,500 Loans and Advances 24,388 28,926 29,151 28,937 28,713 29,804 32,035 32,528 31,789 32,478 34,153 33,973 33,884 Other Foreign Assets 347 473 525 963 770 1,078 919 1,183 1,113 1,324 1,296 1,655 1,649 30,674 42,007 43,220 43,104 45,929 49,774 51,958 60,885 57,349 57,773 51,833 47,242 44,404 196 830 431 452 367 612 713 912 758 690 424 836 725 8,784 11,490 8,938 7,322 11,378 12,826 12,911 13,795 9,549 9,386 10,251 10,393 10,536 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement 3,927 6,188 4,831 4,892 7,723 9,524 9,429 9,182 6,100 5,951 7,315 7,684 8,362 - Inter Bank Borrowings 3,480 3,835 4,103 2,426 3,655 3,302 3,482 4,613 3,449 3,435 2,936 2,709 2,174 - Other Term Borrowings 1,377 1,467 4 4 0 0 0 0 0 0 0 0 0 Capital Market Funding 8,556 6,709 5,505 5,506 5,505 7,340 7,340 7,339 3,666 3,667 5,504 5,504 5,504 Other Term Borrowings 0 0 0 0 0 0 0 0 0 0 0 1 0 12,817 22,553 27,667 28,902 27,793 27,859 30,099 37,939 42,428 42,591 34,594 29,227 26,464 - Demand Deposits 1,851 1,840 1,731 1,734 1,703 1,645 1,649 1,673 1,986 2,102 1,987 2,042 2,067 - Time Deposits 5,498 11,046 12,834 12,684 13,245 12,993 7,031 8,524 8,201 8,171 6,579 5,663 5,015 - Savings Deposits 3,273 3,302 3,365 3,684 3,704 3,485 3,706 3,641 3,539 3,555 3,843 3,294 3,369 30 89 66 84 71 50 37 40 30 21 40 39 40 2,165 6,276 9,671 10,716 9,070 9,686 17,676 24,061 28,672 28,742 22,145 18,189 15,973 321 425 679 922 886 1,137 895 900 948 1,439 1,060 1,281 1,175 Foreign Liabilities Due to H.O and/or Branches Abroad Due to Other Banks Abroad Other Deposits - Commercial Prepayments(Margin Deposits) - Borrowings Under Repurchase Agreements(NBFI) Other Foreign Liabilities * Preliminary Page 30
  31. CBUAE Classification : Public # Table 23 : Domestic Credit ( All Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Government 175,428 191,498 257,383 229,086 252,387 255,481 251,923 252,527 245,689 245,165 236,038 224,868 224,914 Public Sector 172,261 167,921 185,273 201,104 218,094 217,737 219,950 215,198 223,553 222,751 245,391 256,215 254,784 Private Sector 1,105,007 1,150,018 1,149,953 1,164,887 1,156,346 1,138,449 1,124,913 1,121,883 1,126,340 1,134,155 1,137,528 1,137,046 1,140,334 Private - Corporate 767,477 812,595 817,548 834,638 831,634 811,791 795,439 790,934 789,826 790,344 789,914 787,941 788,287 Financial Institutions 18,593 19,951 15,338 15,899 16,963 16,719 16,624 16,164 13,537 14,727 16,783 16,280 18,371 Business and Industrial Sector ** 748,884 792,644 802,210 818,739 814,671 795,072 778,815 774,770 776,289 775,617 773,131 771,661 769,916 Private - Retail 337,530 337,423 332,405 330,249 324,712 326,658 329,474 330,949 336,514 343,811 347,614 349,105 352,047 1,452,696 1,509,437 1,592,609 1,595,077 1,626,827 1,611,667 1,596,786 1,589,608 1,595,582 1,602,071 1,618,957 1,618,129 1,620,032 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 ** Includes Lending to Insurance Companies Page 31
  32. CBUAE Classification : Public # Domestic Credit - Banks Foreign Credit - Banks 1,700 200 1,600 1,500 1,400 160 1,300 1,200 1,100 120 1,000 900 800 700 80 600 500 400 40 300 200 100 0 0 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 AED Bln Feb 2022 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 AED Bln Private Sector - Corporate Private Sector - Retail Private Sector - Corporate Private Sector - Retail Public Sector Credit Government Sector Credit Public Sector Credit Government Sector Credit Page 32 Feb 2022
  33. CBUAE Classification : Public # Table 24 : Domestic Credit ( National Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Government 170,096 184,825 250,422 221,429 241,869 244,495 242,135 243,385 235,073 233,413 223,299 213,142 212,747 Public Sector 152,465 152,372 169,319 185,745 199,935 200,203 203,087 199,028 208,904 208,123 229,076 239,297 237,734 Private Sector 967,001 1,013,736 1,016,604 1,028,988 1,020,207 1,010,142 1,000,790 1,001,058 1,006,714 1,017,698 1,018,130 1,021,663 1,025,363 Private - Corporate 661,995 707,074 713,790 727,226 722,714 710,324 697,701 696,445 696,776 701,089 698,080 700,088 701,182 Financial Institutions 17,989 19,284 14,070 14,246 15,352 15,082 15,115 15,040 12,171 13,510 14,516 15,176 14,990 Business and Industrial Sector ** 644,006 687,790 699,720 712,980 707,362 695,242 682,586 681,405 684,605 687,579 683,564 684,912 686,192 Private - Retail 305,006 306,662 302,814 301,762 297,493 299,818 303,089 304,613 309,938 316,609 320,050 321,575 324,181 1,289,562 1,350,933 1,436,345 1,436,162 1,462,011 1,454,840 1,446,012 1,443,471 1,450,691 1,459,234 1,470,505 1,474,102 1,475,844 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 ** Includes Lending to Insurance Companies Page 33
  34. CBUAE Classification : Public # Table 25 : Domestic Credit ( Foreign Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Government 5,332 6,673 6,961 7,657 10,518 10,986 9,788 9,142 10,616 11,752 12,739 11,726 12,167 Public Sector 19,796 15,549 15,954 15,359 18,159 17,534 16,863 16,170 14,649 14,628 16,315 16,918 17,050 Private Sector 138,006 136,282 133,349 135,899 136,139 128,307 124,123 120,825 119,626 116,457 119,398 115,383 114,971 Private - Corporate 105,482 105,521 103,758 107,412 108,920 101,467 97,738 94,489 93,050 89,255 91,834 87,853 87,105 Financial Institutions 604 667 1,268 1,653 1,611 1,637 1,509 1,124 1,366 1,217 2,267 1,104 3,381 Business and Industrial Sector ** 104,878 104,854 102,490 105,759 107,309 99,830 96,229 93,365 91,684 88,038 89,567 86,749 83,724 Private - Retail 32,524 30,761 29,591 28,487 27,219 26,840 26,385 26,336 26,576 27,202 27,564 27,530 27,866 163,134 158,504 156,264 158,915 164,816 156,827 150,774 146,137 144,891 142,837 148,452 144,027 144,188 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 ** Includes Lending to Insurance Companies Page 34
  35. CBUAE Classification : Public # Table 26 : Domestic Credit ( Conventional Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Government 163,466 177,249 239,706 211,349 216,860 220,720 218,595 217,021 212,687 212,188 210,615 199,314 199,564 Public Sector 139,277 136,587 153,842 163,877 173,838 172,661 174,238 170,581 180,394 179,340 200,652 210,543 209,759 Private Sector 820,362 851,218 862,168 879,003 871,560 853,757 844,165 844,198 847,058 856,543 858,799 858,805 859,621 Private - Corporate 611,534 644,773 659,684 678,426 675,929 658,301 647,360 645,872 642,930 647,460 647,085 645,874 644,932 Financial Institutions 14,713 16,604 13,042 13,890 15,068 15,008 14,922 14,479 11,815 12,928 15,046 14,737 16,829 Business and Industrial Sector ** 596,821 628,169 646,642 664,536 660,861 643,293 632,438 631,393 631,115 634,532 632,039 631,137 628,103 Private - Retail 208,828 206,445 202,484 200,577 195,631 195,456 196,805 198,326 204,128 209,083 211,714 212,931 214,689 1,123,105 1,165,054 1,255,716 1,254,229 1,262,258 1,247,138 1,236,998 1,231,800 1,240,139 1,248,071 1,270,066 1,268,662 1,268,944 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 ** Includes Lending to Insurance Companies Page 35
  36. CBUAE Classification : Public # Table 27 : Domestic Credit ( Islamic Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Government 11,962 14,249 17,677 17,737 35,527 34,761 33,328 35,506 33,002 32,977 25,423 25,554 25,350 Public Sector 32,984 31,334 31,431 37,227 44,256 45,076 45,712 44,617 43,159 43,411 44,739 45,672 45,025 Private Sector 284,645 298,800 287,785 285,884 284,786 284,692 280,748 277,685 279,282 277,612 278,729 278,241 280,713 Private - Corporate 155,944 167,822 157,864 156,212 155,705 153,490 148,079 145,062 146,896 142,884 142,829 142,067 143,355 Financial Institutions 3,880 3,347 2,296 2,009 1,895 1,711 1,702 1,685 1,722 1,799 1,737 1,543 1,542 Business and Industrial Sector ** 152,064 164,475 155,568 154,203 153,810 151,779 146,377 143,377 145,174 141,085 141,092 140,524 141,813 Private - Retail 128,701 130,978 129,921 129,672 129,081 131,202 132,669 132,623 132,386 134,728 135,900 136,174 137,358 329,591 344,383 336,893 340,848 364,569 364,529 359,788 357,808 355,443 354,000 348,891 349,467 351,088 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 ** Includes Lending to Insurance Companies Page 36
  37. CBUAE Classification : Public # Table 28 : Bank Credit to Residents by Economic Activity ( Quarterly ) (In Millions of AED) Period Dec 2017 Dec 2018 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 * 1) Agriculture 2,127 1,984 1,674 1,721 1,052 1,542 1,820 2,159 2,173 2,072 1,736 1,830 1,708 2) Mining and Quarrying 12,101 14,734 15,463 14,864 10,660 11,810 11,444 12,724 14,940 14,644 15,262 15,197 16,405 3) Manufacturing 75,236 76,982 76,168 75,170 80,440 81,637 79,675 76,544 73,506 72,939 74,665 76,710 82,323 3.1 Food , Beverages and Tobacco 7,043 6,252 5,496 5,589 5,724 6,504 6,071 5,840 6,691 6,959 7,022 8,030 8,962 3.2 Textile and Leather Products 1,284 1,459 1,404 1,396 1,399 1,493 1,485 1,331 1,271 1,252 979 1,182 1,186 3.3 Furniture and Other Wood Products 2,786 2,538 2,432 2,439 2,291 2,157 2,311 2,321 2,285 2,245 2,202 2,218 2,220 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 2,374 2,368 2,501 2,375 2,436 2,450 2,471 2,524 2,424 2,294 2,512 2,402 2,221 16,123 19,881 19,482 19,626 23,091 22,876 22,368 20,842 18,007 18,419 18,560 18,024 18,279 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 14,501 15,306 16,518 16,534 17,220 18,071 17,988 17,381 17,477 17,870 18,422 18,824 17,961 13,245 11,291 10,209 10,255 9,912 9,471 8,619 8,259 7,215 7,121 8,036 8,096 8,615 3.8 Other Manufactured Products 17,880 17,887 18,126 16,956 18,367 18,615 18,362 18,046 18,136 16,779 16,932 17,934 22,879 4) Electricity, Gas and Water 16,735 16,998 19,477 18,751 22,734 23,535 26,688 26,023 27,310 28,024 28,911 28,697 28,125 5) Construction and Real Estate 298,126 315,490 336,240 332,952 311,138 319,838 326,543 326,774 327,533 322,870 323,733 327,751 326,730 5.1 Construction 68,686 71,858 66,806 66,763 65,220 63,987 65,820 65,159 61,812 61,835 61,589 66,432 65,973 5.2 Real Estate 229,440 243,632 269,434 266,189 245,918 255,851 260,723 261,615 265,721 261,035 262,144 261,319 260,757 152,769 154,033 153,980 157,021 152,656 155,703 157,173 148,321 138,675 139,562 137,419 136,516 131,479 6.1 Wholesale 103,243 106,254 106,967 106,662 104,813 108,532 107,799 99,583 100,024 101,702 100,849 100,389 99,406 6.2 Retail 49,526 47,779 47,013 50,359 47,843 47,171 49,374 48,738 38,651 37,860 36,570 36,127 32,073 7) Transport, Storage and Communication 54,935 51,496 55,294 54,006 57,078 63,272 83,978 82,123 84,818 84,739 83,135 80,567 86,421 8) Financial Institutions 127,499 130,107 128,845 135,654 131,105 132,205 116,429 115,872 110,357 107,043 112,735 113,242 116,770 9) Government 168,251 186,629 198,712 215,349 251,689 226,628 247,145 244,569 240,856 238,976 233,410 233,204 222,952 79,991 86,384 83,406 90,700 100,811 96,556 99,004 98,285 104,675 96,885 95,803 100,877 99,186 326,648 325,819 327,296 327,310 330,006 333,407 329,584 331,670 325,778 333,882 339,770 344,465 349,026 138,278 148,781 146,049 142,089 143,240 148,944 147,344 146,603 146,165 147,972 149,003 143,015 157,832 1,452,696 1,509,437 1,542,604 1,565,587 1,592,609 1,595,077 1,626,827 1,611,667 1,596,786 1,589,608 1,595,582 1,602,071 1,618,957 Economic Activity 6) Trade 10) Personal Loans for Business Purposes 1 11) Personal Loans for Consumption Purposes 12) All Others 3 Total 2 * Preliminary 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 Page 37
  38. CBUAE Classification : Public # Table 29 : Bank Credit to Non - Residents by Economic Activity ( Quarterly ) (In Millions of AED) Period Dec 2017 Dec 2018 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 * 45 275 27 219 227 224 217 188 188 188 298 114 138 Economic Activity 1) Agriculture 2) Mining and Quarrying 6,216 7,176 8,193 7,505 8,005 9,305 9,725 20,381 18,083 14,938 17,707 18,758 14,765 3) Manufacturing 12,753 15,913 13,299 13,559 16,873 16,364 16,457 18,255 20,772 22,326 22,781 22,486 22,942 3.1 Food , Beverages and Tobacco 959 1,764 1,982 1,947 3,188 3,492 3,771 3,743 3,856 4,142 4,484 4,586 4,173 3.2 Textile and Leather Products 862 394 640 654 605 377 600 470 505 444 512 440 474 3.3 Furniture and Other Wood Products 324 381 398 435 389 381 383 391 432 421 436 413 421 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 12 2 53 54 1 2 1 0 0 0 0 0 0 5,799 8,459 5,761 5,721 7,076 6,683 7,014 8,992 11,089 11,478 11,264 10,797 10,638 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 2,145 2,504 1,830 1,858 3,040 2,518 1,731 2,163 2,405 3,349 3,261 3,557 4,043 1,341 643 996 1,000 960 748 778 896 1,003 954 910 1,086 1,572 3.8 Other Manufactured Products 1,311 1,766 1,639 1,890 1,614 2,163 2,179 1,600 1,482 1,538 1,914 1,607 1,621 4) Electricity, Gas and Water 3,498 8,110 6,838 7,019 7,169 7,234 6,974 10,513 8,185 6,201 6,611 6,878 6,969 5) Construction and Real Estate 10,910 14,152 13,462 13,399 14,240 12,798 12,282 12,761 13,484 13,845 13,127 13,674 12,827 5.1 Construction 5,018 5,801 5,109 5,308 5,562 5,136 4,899 4,723 4,903 4,115 3,751 4,233 3,543 5.2 Real Estate 5,892 8,351 8,353 8,091 8,678 7,662 7,383 8,038 8,581 9,730 9,376 9,441 9,284 11,263 12,605 12,905 13,600 12,222 11,310 10,993 12,119 13,308 13,338 13,553 13,381 14,926 6.1 Wholesale 5,866 6,648 6,753 7,725 9,790 7,928 7,582 9,019 9,615 9,082 10,665 10,486 12,401 6.2 Retail 5,397 5,957 6,152 5,875 2,432 3,382 3,411 3,100 3,693 4,256 2,888 2,895 2,525 6) Trade 7) Transport, Storage and Communication 26,422 31,646 29,603 31,173 33,256 30,230 29,082 31,352 29,852 28,376 28,173 32,743 33,475 8) Financial Institutions 25,543 21,710 29,083 33,760 38,263 51,198 48,163 51,958 44,021 32,052 36,422 33,389 31,360 9) Government 4,548 6,689 7,157 8,717 9,137 9,196 7,073 11,808 11,573 11,769 14,688 12,230 18,107 2,460 3,398 5,360 5,301 4,739 3,469 2,963 3,573 3,722 3,778 3,757 4,895 4,715 3,853 4,824 4,112 4,587 4,695 4,837 4,604 5,477 4,872 5,110 5,373 5,284 4,057 20,094 20,304 20,076 16,382 17,202 17,029 15,537 14,553 14,253 12,926 11,342 10,598 10,814 127,605 146,802 150,115 155,221 166,028 173,194 164,070 192,938 182,313 164,847 173,832 174,430 175,095 10) Personal Loans for Business Purposes 1 11) Personal Loans for Consumption Purposes 12) All Others 2 Total * Preliminary 1 Including credit to High Net-Worth Individuals. 2 Including Credit to the Service Sector and Non-Profit Institutions Page 38
  39. CBUAE Classification : Public # Table 30 : Deposits distributed Residents / Non Residents ( All Banks ) 1 (In Millions of AED) Item Residents Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 1,435,600 1,542,237 1,648,812 1,635,166 1,665,764 1,715,805 1,682,102 1,677,754 1,682,944 1,699,170 1,765,533 1,761,904 1,770,864 1.1 Corporate 604,435 590,877 607,023 621,853 615,665 613,759 606,207 611,256 623,640 638,529 671,422 673,711 678,487 1.2 Individuals 396,550 418,408 450,866 454,381 476,108 480,907 493,901 505,599 509,865 507,643 519,917 517,223 528,556 1.3 Government 211,977 290,321 301,309 255,127 289,028 333,554 287,270 277,317 281,634 297,042 288,156 286,854 291,940 1.4 GREs 191,530 207,145 245,329 260,083 240,503 245,460 254,805 246,151 227,171 220,212 247,908 245,785 230,145 1.5 Non Banking Financial Institutions 31,108 35,486 44,285 43,722 44,460 42,125 39,919 37,431 40,634 35,744 38,130 38,331 41,736 191,677 213,413 221,372 216,751 200,368 191,347 202,443 203,514 225,711 243,156 230,994 220,481 217,490 (1) Non-Residents (2) 2.1 Corporate 88,310 91,889 87,964 91,844 73,495 73,341 72,250 69,533 80,330 82,932 82,170 88,124 86,540 2.2 Non Banking Financial Institutions 66,096 68,637 84,026 79,707 75,382 71,676 84,421 86,340 81,501 97,606 86,020 71,720 64,537 2.3 Individuals 26,497 25,932 24,867 23,952 23,781 24,382 24,604 24,881 24,638 25,665 26,261 26,067 26,624 2.4 Government and Non Commercial Entities 10,774 26,955 24,515 21,248 27,710 21,948 21,168 22,760 39,242 36,953 36,543 34,570 39,789 1,627,277 1,755,650 1,870,184 1,851,917 1,866,132 1,907,152 1,884,545 1,881,268 1,908,655 1,942,326 1,996,527 1,982,385 1,988,354 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 39
  40. CBUAE Classification : Public # Resident Deposits - Banks Non - Resident Deposits - Banks 700 100 650 90 600 550 80 500 70 450 60 400 350 50 300 40 250 200 30 150 20 100 10 50 0 0 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 AED Bln AED Bln Private Corporates Dec 2017 Individuals Government GREs Private Corporates NBFIs Page 40 Individuals Government & GREs NBFIs
  41. CBUAE Classification : Public # Table 31 : Deposits distributed Residents / Non Residents ( National Banks ) 1 (In Millions of AED) Item Residents Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 1,261,377 1,378,188 1,469,458 1,448,294 1,473,536 1,524,013 1,484,664 1,484,083 1,492,251 1,503,376 1,564,262 1,561,922 1,568,610 1.1 Corporate 513,648 505,124 513,925 525,135 514,526 511,137 500,263 511,619 525,100 535,814 567,688 570,337 574,557 1.2 Individuals 329,301 354,591 382,434 384,578 403,141 406,696 418,351 427,522 430,565 428,308 439,616 436,206 446,108 1.3 Government 210,096 288,817 300,170 254,108 288,061 332,784 286,520 276,314 280,963 295,698 285,800 285,584 291,160 1.4 GREs 182,360 199,297 236,067 247,394 230,042 237,159 245,125 237,637 221,359 213,725 239,011 237,387 221,264 1.5 Non Banking Financial Institutions 25,972 30,359 36,862 37,079 37,766 36,237 34,405 30,991 34,264 29,831 32,147 32,408 35,521 158,466 180,413 188,504 184,588 167,465 157,647 168,895 171,915 193,589 209,410 198,345 187,434 183,808 (1) Non-Residents (2) 2.1 Corporate 70,345 71,065 67,713 72,710 54,574 53,693 52,490 52,124 60,956 63,732 64,222 69,977 68,052 2.2 Non Banking Financial Institutions 61,654 65,318 80,314 75,665 70,833 66,999 79,340 81,170 77,782 92,885 81,620 67,570 60,160 2.3 Individuals 18,199 18,106 17,439 16,342 16,170 16,663 16,831 16,833 16,393 17,133 17,588 17,229 17,637 2.4 Government and Non Commercial Entities 8,268 25,924 23,038 19,871 25,888 20,292 20,234 21,788 38,458 35,660 34,915 32,658 37,959 1,419,843 1,558,601 1,657,962 1,632,882 1,641,001 1,681,660 1,653,559 1,655,998 1,685,840 1,712,786 1,762,607 1,749,356 1,752,418 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 41
  42. CBUAE Classification : Public # Table 32 : Deposits distributed Residents / Non Residents ( Foreign Banks ) 1 (In Millions of AED) Item Residents Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 174,223 164,049 179,354 186,872 192,228 191,792 197,438 193,671 190,693 195,794 201,271 199,982 202,254 1.1 Corporate 90,787 85,753 93,098 96,718 101,139 102,622 105,944 99,637 98,540 102,715 103,734 103,374 103,930 1.2 Individuals 67,249 63,817 68,432 69,803 72,967 74,211 75,550 78,077 79,300 79,335 80,301 81,017 82,448 1.3 Government 1,881 1,504 1,139 1,019 967 770 750 1,003 671 1,344 2,356 1,270 780 1.4 GREs 9,170 7,848 9,262 12,689 10,461 8,301 9,680 8,514 5,812 6,487 8,897 8,398 8,881 1.5 Non Banking Financial Institutions 5,136 5,127 7,423 6,643 6,694 5,888 5,514 6,440 6,370 5,913 5,983 5,923 6,215 33,211 33,000 32,868 32,163 32,903 33,700 33,548 31,599 32,122 33,746 32,649 33,047 33,682 (1) Non-Residents (2) 2.1 Corporate 17,965 20,824 20,251 19,134 18,921 19,648 19,760 17,409 19,374 19,200 17,948 18,147 18,488 2.2 Non Banking Financial Institutions 4,442 3,319 3,712 4,042 4,549 4,677 5,081 5,170 3,719 4,721 4,400 4,150 4,377 2.3 Individuals 8,298 7,826 7,428 7,610 7,611 7,719 7,773 8,048 8,245 8,532 8,673 8,838 8,987 2.4 Government and Non Commercial Entities 2,506 1,031 1,477 1,377 1,822 1,656 934 972 784 1,293 1,628 1,912 1,830 207,434 197,049 212,222 219,035 225,131 225,492 230,986 225,270 222,815 229,540 233,920 233,029 235,936 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 42
  43. CBUAE Classification : Public # Table 33 : Deposits distributed Residents / Non Residents ( Conventional Banks ) 1 (In Millions of AED) Item Residents Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 1,064,557 1,163,244 1,274,465 1,263,956 1,286,703 1,328,527 1,301,830 1,293,982 1,297,209 1,313,072 1,377,356 1,370,102 1,373,879 1.1 Corporate 488,930 480,345 501,144 524,981 522,737 519,614 511,722 514,853 524,418 535,548 566,082 561,979 566,470 1.2 Individuals 260,535 278,563 306,542 307,884 320,830 324,446 336,455 343,870 347,688 346,071 358,259 359,514 367,703 1.3 Government 158,967 226,574 236,073 188,853 213,969 254,690 218,158 207,739 212,801 232,426 226,476 224,261 229,276 1.4 GREs 132,809 153,592 198,458 210,944 194,736 196,971 205,713 199,479 179,466 171,500 195,641 193,002 176,211 1.5 Non Banking Financial Institutions 23,316 24,170 32,248 31,294 34,431 32,806 29,782 28,041 32,836 27,527 30,898 31,346 34,219 178,860 190,860 193,705 187,849 172,575 163,488 172,344 165,575 183,283 200,565 196,400 191,254 191,026 (1) Non-Residents (2) 2.1 Corporate 84,421 85,871 84,083 87,712 69,449 69,499 68,546 66,032 76,719 79,313 78,278 84,653 83,185 2.2 Non Banking Financial Institutions 60,577 55,847 64,239 58,897 55,308 51,213 61,502 55,468 45,953 62,788 59,395 49,189 44,623 2.3 Individuals 23,093 22,259 21,274 20,401 20,327 20,935 21,243 21,430 21,488 22,326 22,976 23,035 23,657 2.4 Government and Non Commercial Entities 10,769 26,883 24,109 20,839 27,491 21,841 21,053 22,645 39,123 36,138 35,751 34,377 39,561 1,243,417 1,354,104 1,468,170 1,451,805 1,459,278 1,492,015 1,474,174 1,459,557 1,480,492 1,513,637 1,573,756 1,561,356 1,564,905 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 43
  44. CBUAE Classification : Public # Table 34 : Deposits distributed Residents / Non Residents ( Islamic Banks ) 1 (In Millions of AED) Item Residents Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 371,043 378,993 374,347 371,210 379,061 387,278 380,272 383,772 385,735 386,098 388,177 391,802 396,985 1.1 Corporate 115,505 110,532 105,879 96,872 92,928 94,145 94,485 96,403 99,222 102,981 105,340 111,732 112,017 1.2 Individuals 136,015 139,845 144,324 146,497 155,278 156,461 157,446 161,729 162,177 161,572 161,658 157,709 160,853 1.3 Government 53,010 63,747 65,236 66,274 75,059 78,864 69,112 69,578 68,833 64,616 61,680 62,593 62,664 1.4 GREs 58,721 53,553 46,871 49,139 45,767 48,489 49,092 46,672 47,705 48,712 52,267 52,783 53,934 1.5 Non Banking Financial Institutions 7,792 11,316 12,037 12,428 10,029 9,319 10,137 9,390 7,798 8,217 7,232 6,985 7,517 12,817 22,553 27,667 28,902 27,793 27,859 30,099 37,939 42,428 42,591 34,594 29,227 26,464 (1) Non-Residents (2) 2.1 Corporate 3,889 6,018 3,881 4,132 4,046 3,842 3,704 3,501 3,611 3,619 3,892 3,471 3,355 2.2 Non Banking Financial Institutions 5,519 12,790 19,787 20,810 20,074 20,463 22,919 30,872 35,548 34,818 26,625 22,531 19,914 2.3 Individuals 3,404 3,673 3,593 3,551 3,454 3,447 3,361 3,451 3,150 3,339 3,285 3,032 2,967 2.4 Government and Non Commercial Entities 5 72 406 409 219 107 115 115 119 815 792 193 228 383,860 401,546 402,014 400,112 406,854 415,137 410,371 421,711 428,163 428,689 422,771 421,029 423,449 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 44
  45. CBUAE Classification : Public # Table 35 : Classification of Deposits by Size ( Quarterly ) 1 (In Millions of AED) Deposit Size Dec 2017 Dec 2018 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 * 0 to AED 250,000 143,453 142,187 145,511 143,451 146,289 139,508 145,474 143,009 142,345 142,738 144,079 142,805 144,478 AED 250,001 to AED 500,000 67,555 67,491 70,874 70,448 70,645 68,403 71,217 71,990 73,158 73,715 88,903 88,971 87,428 AED 500,001 to AED 1,000,000 79,394 82,080 86,731 86,234 86,360 85,744 88,882 89,937 91,536 93,858 94,408 94,806 95,617 AED 1,000,001 to AED 5,000,000 205,261 206,901 217,818 216,312 220,400 224,097 230,564 232,903 238,289 243,173 242,975 245,791 250,630 AED 5 Million to AED 20 Million 207,673 204,714 209,611 212,704 217,603 219,429 219,747 224,192 229,206 230,652 237,208 238,603 242,462 Above AED 20 Million 923,941 1,052,277 1,043,772 1,072,784 1,128,887 1,114,736 1,110,248 1,145,121 1,110,011 1,097,131 1,101,082 1,131,350 1,175,912 1,627,277 1,755,650 1,774,317 1,801,933 1,870,184 1,851,917 1,866,132 1,907,152 1,884,545 1,881,267 1,908,655 1,942,326 1,996,527 Total Deposits 1 Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements * Preliminary Page 45
  46. CBUAE Classification : Public # Table 36 : Deposits by Type and Currency ( All Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Demand 586,432 577,601 599,666 630,690 653,494 650,129 696,884 750,294 767,482 799,083 848,040 868,163 866,656 Local Currency 428,729 421,465 442,461 465,700 472,517 475,885 513,144 551,355 568,920 580,258 614,109 615,766 618,378 Foreign Currencies 157,703 156,136 157,205 164,990 180,977 174,244 183,740 198,939 198,562 218,825 233,931 252,397 248,278 Savings 156,263 152,037 172,214 183,442 194,620 207,911 215,208 226,371 232,970 234,843 241,819 243,305 245,966 Local Currency 128,016 128,160 143,957 152,125 163,561 174,835 180,484 188,094 193,978 195,395 200,488 202,018 203,890 Foreign Currencies 28,247 23,877 28,257 31,317 31,059 33,076 34,724 38,277 38,992 39,448 41,331 41,287 42,076 Time 636,195 683,671 738,554 719,646 676,956 663,897 616,591 555,370 546,428 524,234 533,565 512,040 517,328 Local Currency 415,342 425,384 457,614 455,122 427,466 411,338 389,317 358,184 344,737 332,424 342,447 340,731 344,242 Foreign Currencies 220,853 258,287 280,940 264,524 249,490 252,559 227,274 197,186 201,691 191,810 191,118 171,309 173,086 1,378,890 1,413,309 1,510,434 1,533,778 1,525,070 1,521,937 1,528,683 1,532,035 1,546,880 1,558,160 1,623,424 1,623,508 1,629,950 Total Local Currency 972,087 975,009 1,044,032 1,072,947 1,063,544 1,062,058 1,082,945 1,097,633 1,107,635 1,108,077 1,157,044 1,158,515 1,166,510 Total Foreign Currencies 406,803 438,300 466,402 460,831 461,526 459,879 445,738 434,402 439,245 450,083 466,380 464,993 463,440 Commercial Prepayments 21,957 21,368 18,879 17,661 17,261 16,996 17,284 16,309 16,807 17,048 17,122 17,124 16,786 Total Deposits ** 1 Excluding Inter-Bank Deposits * Preliminary ** Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) Page 46
  47. CBUAE Classification : Public # Table 37 : Deposits by Type and Currency ( National Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Demand 479,056 475,681 491,970 514,439 533,464 525,840 561,771 614,581 630,236 654,634 702,302 721,973 719,311 Local Currency 361,148 358,813 376,056 397,213 402,618 401,655 430,610 468,511 484,101 492,743 525,103 528,441 529,151 Foreign Currencies 117,908 116,868 115,914 117,226 130,846 124,185 131,161 146,070 146,135 161,891 177,199 193,532 190,160 Savings 138,741 135,678 153,679 162,250 170,986 183,257 189,229 199,236 204,930 206,277 212,095 213,475 215,429 Local Currency 118,185 118,918 133,906 141,307 149,142 159,888 165,239 172,385 177,962 179,182 184,383 185,641 187,226 Foreign Currencies 20,556 16,760 19,773 20,943 21,844 23,369 23,990 26,851 26,968 27,095 27,712 27,834 28,203 Time 561,939 611,520 659,066 644,086 601,616 592,823 551,770 498,024 493,563 473,233 482,364 461,196 464,917 Local Currency 371,088 381,882 413,824 412,783 387,449 374,203 355,065 327,296 315,526 303,631 313,381 311,348 314,859 Foreign Currencies 190,851 229,638 245,242 231,303 214,167 218,620 196,705 170,728 178,037 169,602 168,983 149,848 150,058 1,179,736 1,222,879 1,304,715 1,320,775 1,306,066 1,301,920 1,302,770 1,311,841 1,328,729 1,334,144 1,396,761 1,396,644 1,399,657 Total Local Currency 850,421 859,613 923,786 951,303 939,209 935,746 950,914 968,192 977,589 975,556 1,022,867 1,025,430 1,031,236 Total Foreign Currencies 329,315 363,266 380,929 369,472 366,857 366,174 351,856 343,649 351,140 358,588 373,894 371,214 368,421 Commercial Prepayments 16,897 16,955 14,842 13,712 13,267 13,246 13,714 12,918 13,485 13,610 13,548 13,569 13,274 Total Deposits ** 1 Excluding Inter-Bank Deposits * Preliminary ** Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) Page 47
  48. CBUAE Classification : Public # Table 38 : Deposits by Type and Currency ( Foreign Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Demand 107,376 101,920 107,696 116,251 120,030 124,289 135,113 135,713 137,246 144,449 145,738 146,190 147,345 Local Currency 67,581 62,652 66,405 68,487 69,899 74,230 82,534 82,844 84,819 87,515 89,006 87,325 89,227 Foreign Currencies 39,795 39,268 41,291 47,764 50,131 50,059 52,579 52,869 52,427 56,934 56,732 58,865 58,118 Savings 17,522 16,359 18,535 21,192 23,634 24,654 25,979 27,135 28,040 28,566 29,724 29,830 30,537 Local Currency 9,831 9,242 10,051 10,818 14,419 14,947 15,245 15,709 16,016 16,213 16,105 16,377 16,664 Foreign Currencies 7,691 7,117 8,484 10,374 9,215 9,707 10,734 11,426 12,024 12,353 13,619 13,453 13,873 Time 74,256 72,151 79,488 75,560 75,340 71,074 64,821 57,346 52,865 51,001 51,201 50,844 52,411 Local Currency 44,254 43,502 43,790 42,339 40,017 37,135 34,252 30,888 29,211 28,793 29,066 29,383 29,383 Foreign Currencies 30,002 28,649 35,698 33,221 35,323 33,939 30,569 26,458 23,654 22,208 22,135 21,461 23,028 Total Deposits ** 199,154 190,430 205,719 213,003 219,004 220,017 225,913 220,194 218,151 224,016 226,663 226,864 230,293 Total Local Currency 121,666 115,396 120,246 121,644 124,335 126,312 132,031 129,441 130,046 132,521 134,177 133,085 135,274 Total Foreign Currencies 77,488 75,034 85,473 91,359 94,669 93,705 93,882 90,753 88,105 91,495 92,486 93,779 95,019 Commercial Prepayments 5,059 4,413 4,037 3,949 3,994 3,750 3,570 3,391 3,322 3,438 3,574 3,555 3,512 1 Excluding Inter-Bank Deposits * Preliminary ** Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) Page 48
  49. CBUAE Classification : Public # Table 39 : Deposits by Type and Currency ( Conventional Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Demand 484,792 476,802 512,222 541,225 559,855 554,731 600,087 647,499 662,699 690,894 742,300 761,606 757,576 Local Currency 340,733 334,283 365,476 386,768 389,840 391,692 428,516 461,137 477,802 486,991 522,385 523,744 523,890 Foreign Currencies 144,059 142,519 146,746 154,457 170,015 163,039 171,571 186,362 184,897 203,903 219,915 237,862 233,686 Savings 80,691 76,661 84,245 90,259 99,334 106,023 111,824 118,979 123,189 124,776 127,395 127,868 130,478 Local Currency 57,837 57,629 63,385 66,866 76,301 81,845 85,338 89,135 92,085 92,807 93,150 93,629 95,722 Foreign Currencies 22,854 19,032 20,860 23,393 23,033 24,178 26,486 29,844 31,104 31,969 34,245 34,239 34,756 Time 489,508 532,399 590,973 582,302 545,955 537,417 496,631 440,550 433,195 410,421 418,082 396,517 399,687 Local Currency 296,580 308,761 344,740 347,832 323,446 307,902 284,997 259,987 246,633 232,563 238,212 235,941 236,611 Foreign Currencies 192,928 223,638 246,233 234,470 222,509 229,515 211,634 180,563 186,562 177,858 179,870 160,576 163,076 1,054,991 1,085,862 1,187,440 1,213,786 1,205,144 1,198,171 1,208,542 1,207,028 1,219,083 1,226,091 1,287,777 1,285,991 1,287,741 Total Local Currency 695,150 700,673 773,601 801,466 789,587 781,439 798,851 810,259 816,520 812,361 853,747 853,314 856,223 Total Foreign Currencies 359,841 385,189 413,839 412,320 415,557 416,732 409,691 396,769 402,563 413,730 434,030 432,677 431,518 Commercial Prepayments 17,419 17,464 15,137 14,881 14,615 14,213 14,082 13,460 14,139 14,598 14,521 14,467 14,291 Total Deposits ** 1 Excluding Inter-Bank Deposits * Preliminary ** Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) Page 49
  50. CBUAE Classification : Public # Table 40 : Deposits by Type and Currency ( Islamic Banks ) 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Demand 101,640 100,799 87,444 89,465 93,639 95,398 96,797 102,795 104,783 108,189 105,740 106,557 109,080 Local Currency 87,996 87,182 76,985 78,932 82,677 84,193 84,628 90,218 91,118 93,267 91,724 92,022 94,488 Foreign Currencies 13,644 13,617 10,459 10,533 10,962 11,205 12,169 12,577 13,665 14,922 14,016 14,535 14,592 Savings 75,572 75,376 87,969 93,183 95,286 101,888 103,384 107,392 109,781 110,067 114,424 115,437 115,488 Local Currency 70,179 70,531 80,572 85,259 87,260 92,990 95,146 98,959 101,893 102,588 107,338 108,389 108,168 Foreign Currencies 5,393 4,845 7,397 7,924 8,026 8,898 8,238 8,433 7,888 7,479 7,086 7,048 7,320 Time 146,687 151,272 147,581 137,344 131,001 126,480 119,960 114,820 113,233 113,813 115,483 115,523 117,641 Local Currency 118,762 116,623 112,874 107,290 104,020 103,436 104,320 98,197 98,104 99,861 104,235 104,790 107,631 Foreign Currencies 27,925 34,649 34,707 30,054 26,981 23,044 15,640 16,623 15,129 13,952 11,248 10,733 10,010 Total Deposits ** 323,899 327,447 322,994 319,992 319,926 323,766 320,141 325,007 327,797 332,069 335,647 337,517 342,209 Total Local Currency 276,937 274,336 270,431 271,481 273,957 280,619 284,094 287,374 291,115 295,716 303,297 305,201 310,287 Total Foreign Currencies 46,962 53,111 52,563 48,511 45,969 43,147 36,047 37,633 36,682 36,353 32,350 32,316 31,922 Commercial Prepayments 4,537 3,904 3,742 2,780 2,646 2,783 3,202 2,849 2,668 2,450 2,601 2,657 2,495 1 Excluding Inter-Bank Deposits * Preliminary ** Residents and Non-Residents (Excluding Government Deposits, Commercial Prepayments and Borrowings under Repurchase Agreements) Page 50
  51. CBUAE Classification : Public # Table 41 : Time Deposits by Maturity ( All Banks ) 1 (In Millions of AED) Period Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Upto 3 Months 468,102 560,943 624,099 594,673 541,879 546,288 458,803 412,599 438,261 442,043 453,936 445,661 462,819 Above 3 and Upto 6 Months 145,575 165,004 190,410 162,356 184,854 159,916 163,992 166,576 135,872 149,217 152,495 160,775 143,926 Above 6 and Upto 12 Months 165,268 179,971 176,235 180,000 160,876 170,160 176,416 157,491 187,793 173,956 165,463 145,795 143,767 Exceeding 12 Months 43,586 54,382 46,936 39,265 49,281 62,084 65,472 62,384 40,243 32,045 27,210 27,819 26,733 Total 822,531 960,300 1,037,680 976,294 936,890 938,448 864,683 799,050 802,169 797,261 799,104 780,050 777,245 Maturity 1 Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Preliminary Page 51
  52. CBUAE Classification : Public # Table 42 : Time Deposits by Maturity ( National Banks ) 1 (In Millions of AED) Period Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Upto 3 Months 416,935 513,627 577,019 547,933 500,052 505,632 417,522 375,561 405,573 411,204 420,563 413,715 429,658 Above 3 and Upto 6 Months 130,983 151,278 172,218 147,604 168,127 143,287 150,405 156,880 126,342 138,262 144,128 151,279 134,824 Above 6 and Upto 12 Months 152,510 166,485 158,723 163,353 141,854 154,828 164,263 145,713 177,189 165,006 155,816 136,276 133,706 Exceeding 12 Months 40,879 51,724 44,137 36,671 46,533 58,886 63,131 59,557 36,243 27,738 22,657 23,216 21,971 Total 741,307 883,114 952,097 895,561 856,566 862,633 795,321 737,711 745,347 742,210 743,164 724,486 720,159 Maturity 1 Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Preliminary Page 52
  53. CBUAE Classification : Public # Table 43 : Time Deposits by Maturity ( Foreign Banks ) 1 (In Millions of AED) Period Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Upto 3 Months 51,167 47,316 47,080 46,740 41,827 40,656 41,281 37,038 32,688 30,839 33,373 31,946 33,161 Above 3 and Upto 6 Months 14,592 13,726 18,192 14,752 16,727 16,629 13,587 9,696 9,530 10,955 8,367 9,496 9,102 Above 6 and Upto 12 Months 12,758 13,486 17,512 16,647 19,022 15,332 12,153 11,778 10,604 8,950 9,647 9,519 10,061 Exceeding 12 Months 2,707 2,658 2,799 2,594 2,748 3,198 2,341 2,827 4,000 4,307 4,553 4,603 4,762 Total 81,224 77,186 85,583 80,733 80,324 75,815 69,362 61,339 56,822 55,051 55,940 55,564 57,086 Maturity 1 Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Preliminary ` Page 53
  54. CBUAE Classification : Public # Table 44 : Time Deposits by Maturity ( Conventional Banks ) 1 (In Millions of AED) Period Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Upto 3 Months 365,191 444,759 510,189 491,141 443,405 436,548 359,381 326,088 357,195 354,433 358,300 351,227 373,539 Above 3 and Upto 6 Months 100,890 122,347 144,374 111,948 137,161 111,725 126,101 121,254 93,232 97,930 118,030 116,786 97,883 Above 6 and Upto 12 Months 131,178 139,599 129,659 135,466 121,471 134,053 134,294 107,341 131,051 128,361 124,102 111,208 109,011 Exceeding 12 Months 40,253 47,257 42,829 34,108 44,214 57,076 58,134 54,534 33,871 25,677 21,182 21,666 20,639 Total 637,512 753,962 827,051 772,663 746,251 739,402 677,910 609,217 615,349 606,401 621,614 600,887 601,072 Maturity 1 Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Preliminary Page 54
  55. CBUAE Classification : Public # Table 45 : Time Deposits by Maturity ( Islamic Banks ) 1 (In Millions of AED) Period Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Upto 3 Months 102,911 116,184 113,910 103,532 98,474 109,740 99,422 86,511 81,066 87,610 95,636 94,434 89,280 Above 3 and Upto 6 Months 44,685 42,657 46,036 50,408 47,693 48,191 37,891 45,322 42,640 51,287 34,465 43,989 46,043 Above 6 and Upto 12 Months 34,090 40,372 46,576 44,534 39,405 36,107 42,122 50,150 56,742 45,595 41,361 34,587 34,756 Exceeding 12 Months 3,333 7,125 4,107 5,157 5,067 5,008 7,338 7,850 6,372 6,368 6,028 6,153 6,094 185,019 206,338 210,629 203,631 190,639 199,046 186,773 189,833 186,820 190,860 177,490 179,163 176,173 Maturity Total 1 Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Preliminary Page 55
  56. CBUAE Classification : Public # Table 46 : Currency Issued 1 (In Millions of AED) Item Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * Total Notes Issued ( 1 ) ** 84,220 84,603 92,456 103,914 104,841 110,025 109,416 109,150 109,057 106,603 110,503 109,658 112,310 Total Coins Issued ( 2 ) *** 1,166 1,236 1,273 1,286 1,300 1,291 1,288 1,836 1,845 1,849 1,312 1,316 1,321 Total Currency Issued 85,386 85,839 93,729 105,200 106,141 111,316 110,704 110,986 110,902 108,452 111,815 110,974 113,631 1 Currency Issued = Currency in Circulation plus Cash at Banks * Preliminary ** Excluding Mutilated Notes *** Excluding Issued Gold Coins Page 56
  57. CBUAE Classification : Public # Table 47 : Cheques Cleared Statistics Item 1 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 28,836,237 26,913,259 25,842,698 6,277,055 10,562,791 15,801,414 21,246,540 5,372,530 10,659,862 15,868,288 21,283,261 1,797,962 3,533,483 1,437,710 1,305,828 1,224,482 301,464 493,904 734,642 990,317 257,807 536,059 811,388 1,096,076 92,017 182,710 Cheques Cleared Number of Cheques Amount ( In Millions of AED ) 1 Cumulative data * Preliminary Page 57
  58. CBUAE Classification : Public # Table 48 : UAE Domestic Fund Transfer System Statistics Item 1 Dec 2017 Dec 2018 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Jan 2022 Feb 2022 * 36,866,496 43,217,030 47,012,218 12,077,680 23,467,563 36,847,405 50,815,931 14,299,838 29,219,613 44,239,247 60,572,382 5,557,352 10,918,134 2,897,804 3,189,829 3,513,280 937,294 1,714,153 2,537,907 3,395,642 894,040 1,853,259 2,797,342 3,868,969 322,468 666,137 446,614 452,755 477,221 121,836 229,484 342,006 458,646 131,531 266,049 396,995 537,239 44,089 90,542 6,857,108 6,847,576 7,471,444 1,860,652 3,240,034 4,511,792 5,741,066 1,426,960 2,895,058 4,221,557 5,723,490 542,237 1,060,440 37,313,110 43,669,785 47,489,439 12,199,516 23,697,047 37,189,411 51,274,577 14,431,369 29,485,662 44,636,242 61,109,621 5,601,441 11,008,676 9,754,912 10,037,405 10,984,724 2,797,946 4,954,187 7,049,699 9,136,708 2,321,000 4,748,317 7,018,899 9,592,459 864,705 1,726,577 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 ) 1 Cumulative data * Preliminary Page 58
  59. CBUAE Classification : Public # Table 49 : Banks and Branches Network Statistics ( Quarterly ) Dec 2017 Dec 2018 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 * HO Branches 22 771 HO Branches 22 743 HO Branches 22 713 HO Branches 21 664 HO Branches 21 656 HO Branches 21 640 HO Branches 21 611 HO Branches 21 559 HO Branches 21 541 HO Branches 21 534 HO Branches 21 522 HO Branches 21 521 HO Branches 22 514 Item National Banks - Abu Dhabi 6 261 6 259 6 244 5 220 5 219 5 211 5 200 5 187 5 178 5 178 5 180 5 176 6 174 - Dubai 8 311 8 293 8 283 8 269 8 266 8 259 8 246 8 216 8 209 8 202 8 192 8 196 8 192 - Sharjah 4 108 4 103 4 100 4 93 4 92 4 89 4 86 4 81 4 79 4 79 4 75 4 77 4 76 - RAK 1 33 1 33 1 33 1 30 1 28 1 29 1 27 1 26 1 27 1 27 1 27 1 26 1 26 - Ajman 1 20 1 20 1 20 1 19 1 18 1 18 1 18 1 17 1 17 1 17 1 17 1 16 1 16 - UAQ 1 10 1 9 1 8 1 8 1 8 1 8 1 8 1 8 1 7 1 7 1 7 1 7 1 7 - Fujairah 1 28 1 26 1 25 1 25 1 25 1 26 1 26 1 24 1 24 1 24 1 24 1 23 1 23 27 82 27 80 27 79 27 79 27 79 27 78 27 78 27 78 27 73 27 73 27 74 27 74 27 74 8 31 8 28 8 29 8 29 8 29 8 29 8 29 8 29 8 29 8 29 8 28 8 28 8 28 19 27 19 28 19 27 19 27 19 27 19 26 19 26 19 26 19 23 19 23 19 25 19 25 19 25 Foreign Banks ** - Abu Dhabi - Dubai - Sharjah - 14 - 14 - 14 - 14 - 14 - 14 - 14 - 14 - 13 - 13 - 13 - 13 - 13 - RAK - 6 - 6 - 6 - 6 - 6 - 6 - 6 - 6 - 5 - 5 - 5 - 5 - 5 - Ajman - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - UAQ - - Fujairah - Wholesale Banks - 3 - - 3 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 - - 2 12 - 11 - 11 1 11 1 11 - 11 - 11 - 11 - 10 - 10 - 10 - 10 - 10 - - Abu Dhabi 8 - 7 - 7 1 7 1 7 - 7 - 7 - 7 - 6 - 6 - 6 - 6 - 6 - - Dubai 4 - 4 - 4 4 - 4 - 4 - 4 - 4 - 4 - 4 - 4 - 4 - - 4 - - Sharjah - - - - - - - - - - - - - - - - - - - - - - - - - - - RAK - - - - - - - - - - - - - - - - - - - - - - - - - - - Ajman - - - - - - - - - - - - - - - - - - - - - - - - - - - UAQ - - - - - - - - - - - - - - - - - - - - - - - - - - - Fujairah - - - - - - - - - - - - - - - - - - - - - - - - - - Total 61 853 60 823 60 Total Excluding Wholesale Banks 49 853 49 823 49 * Preliminary ** Does not include number of wholesale banks which is reported seperately 793 792 59 48 744 743 59 48 735 735 59 48 718 718 Page 59 59 48 689 689 59 48 637 637 58 48 614 614 58 48 607 607 58 48 596 596 58 48 595 595 59 49 588 588