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United Arab Emirates: Banking & Monetary Statistics - December 2016

IM Research
By IM Research
9 years ago
United Arab Emirates: Banking & Monetary Statistics - December 2016

Provision, Reserves

Banking

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  1. ‫النشرة االحصائية الشهرية‬ - ‫ البيانات المصرفية والنقدية‬2016 ‫ديسمبر‬ Monthly Statistical Bulletin - Banking & Monetary Statistics December 2016
  2. Contents ‫الصفحات‬ PAGES Tables 1. Selected Monetary and Banking Indicators 4 2. Monetary Survey 5 3. Monthly Changes in Factors Affecting Money Supply 6 4. UAE Monetary Base (Monthly) 7 5. Central Bank of the UAE Balance Sheet 8 6. Central Bank International Reserves 9 7. Aggregated Balance Sheet of Banks - Assets 10 8. Aggregated Balance Sheet of Banks - Liabilities 11 9. Aggregated Memoranda Accounts of Banks 12 10. Banks' Foreign Assets and Liabilities 13 11. Domestic Credit 14 12. Bank Credit to Residents by Economic Activity ( Quarterly ) 15 13. Deposits distributed Residents / Non Residents 16 14. Deposits by Type and Currency 17 15. Time deposits by Maturity 18 16. Currency Issued 19 17. Cleared Cheques Statistics 20
  3. Contents (Contd) Note: Data are as at end of period unless otherwise indicated. Abbreviations & Notations UAE Dirhams AED Not Available (..) Zero or Insignificant (-) Local Currency LCY Foreign Currency FCY Definitions Gross International Reserves : Gross International Reserves , defined as the sum of Deposits , Held to Maturity Foreign Securities , IMF Reserves & SDR Holdings and Other Foreign Assets Money Supply (M1) : Consists of currency in circulation outside banks plus monetary deposits in local currency with banks (all short-term deposits on which bank customer can withdraw without prior notice) Money Supply (M2) : Consists of Money Supply (M1) plus quasi-monetary deposits (Resident Time and Savings Deposits in Dirham + Resident Deposits in foreign currencies) Money Supply (M3) : Consists of Money Supply (M2) plus Government deposits Certificates of Deposits : Certificates issued by the Central Bank and sold only to banks to absorb excess liquidity with the latter and are also used as an indicator to determine domestic interest rates. Government: of the seven emirates.
  4. ‫الجداول‬ ‫‪TABLES‬‬
  5. Table 1 : Selected Monetary and Banking Indicators (In Millions of AEDs) 2013 Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Oct Nov Total Assets/Liabilities 305,534 323,061 334,053 336,925 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 350,524 339,845 364,453 Gross International Reserves * 250,532 266,130 274,833 284,622 288,247 273,449 278,773 271,306 345,147 309,008 316,871 304,371 297,839 287,882 313,610 472,610 473,938 Indicator 2014 2015 2016 Dec *** Central Bank of the UAE Money Supply Indicators Money Supply M1 379,550 411,965 434,306 431,057 436,132 456,899 464,176 453,658 456,934 490,309 481,015 472,502 472,409 Money Supply M2 1,042,904 1,109,850 1,127,769 1,120,183 1,125,429 1,162,560 1,174,248 1,158,310 1,186,819 1,218,494 1,180,418 1,200,271 1,203,321 1,212,892 1,225,455 Money Supply M3 1,204,376 1,264,176 1,311,884 1,326,588 1,314,519 1,346,045 1,337,657 1,322,068 1,342,879 1,373,888 1,364,776 1,368,679 1,362,877 1,385,807 1,411,342 2,124,062 2,209,783 2,236,934 2,311,349 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,544,440 2,568,720 2,610,834 -171 40,446 29,772 36,837 7,829 29,968 -4,782 -28,506 -83,885 -50,161 -64,912 -63,732 -50,611 -34,455 -43,208 409,774 458,082 437,301 470,676 491,902 521,307 530,221 515,777 496,450 505,853 514,367 513,091 523,446 530,639 547,824 Banks Total Assets Foreign Assets (Net) Foreign Assets Foreign Assets to Total Assets (%) 19% 21% 20% 20% 21% 22% 22% 21% 20% 20% 20% 20% 21% 21% 21% 409,945 417,636 407,529 433,839 484,073 491,339 535,003 544,283 580,335 556,014 579,279 576,823 574,057 565,094 591,032 Foreign Liabilities to Total Liabilities (%) Deposits 1 19% 1,278,852 19% 1,331,744 18% 1,400,244 19% 1,414,466 21% 1,421,231 21% 1,449,298 22% 1,444,306 22% 1,436,780 23% 1,471,618 22% 1,502,669 23% 1,493,055 23% 1,508,710 23% 1,503,208 22% 23% 1,521,278 1,562,907 Residents 1,163,872 1,215,962 1,267,410 1,282,003 1,267,279 1,301,325 1,288,593 1,278,255 1,300,126 1,325,155 1,315,942 1,321,820 1,315,818 1,338,078 1,363,904 472,876 487,905 508,546 499,428 517,415 530,403 544,811 553,813 563,100 571,428 565,690 576,394 569,541 568,889 591,442 114,980 115,782 132,834 132,463 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 187,390 183,200 199,003 49,187 45,271 53,964 51,272 62,599 61,832 61,043 65,857 72,807 78,706 80,702 84,460 78,296 75,830 88,350 1,203,317 1,223,858 1,254,232 1,290,611 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,449,296 1,451,565 1,453,593 910,162 902,842 943,195 980,607 958,373 973,160 999,972 1,022,997 1,043,202 1,054,947 1,069,964 1,084,074 1,087,804 1,086,510 1,093,967 23 841 89 29 23 843 89 29 23 858 89 29 23 866 89 33 23 869 90 34 23 871 90 31 23 873 90 32 23 875 90 34 23 874 90 37 23 874 90 39 23 862 86 33 23 857 85 32 23 857 85 32 23 850 83 31 23 846 76 33 28 87 1 52 28 87 1 53 28 87 1 53 28 87 1 54 26 86 1 48 26 86 1 48 26 86 1 48 26 86 1 45 26 86 1 40 26 85 1 41 26 86 1 42 26 85 1 41 26 85 1 41 26 85 1 38 26 85 1 31 36,087 36,446 36,692 36,686 39,051 39,194 38,560 38,722 40,159 38,912 38,134 37,283 37,283 37,283 37,547 28,165 28,616 28,876 28,876 31,152 31,291 30,786 30,906 32,352 31,173 30,583 29,754 29,754 29,754 30,108 7,922 7,830 7,816 7,810 7,899 7,903 7,774 7,816 7,807 7,739 7,551 7,529 7,529 7,529 7,439 Foreign Liabilities of which: Corporate Non-Residents of which: Corporate Bank Credit (Domestic) of which: Credit to Private Sector ** Total Number of National Banks and Branches Head Offices Branches Pay Offices Electronic Banking Service Units Total Number of Foreign Banks and Branches Head Offices Branches Pay Offices Electronic Banking Service Units Number of Employees in Banks (UAE) Employed with National Banks 2 2 Employed with Foreign Banks 2 1 Excluding Inter-Bank Deposits 2 Excluding Auxiliary Staff. Data Subject to Revision on Quarterly Basis * Central Bank International Reserves = Deposits + Held-to-Maturity Foreign Securities + IMF Reserves and SDR Holdings + Other Foreign Assets ** Including Claims on Other Financial Institutions *** Preliminary -4-
  6. Table 2 : Monetary Survey (In Millions of AEDs) 2013 Item Net International Reserves Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Foreign Assets Foreign Liabilities Net Domestic Assets Claims on Private Sector Net Claims on Government Claims on Official Entities Claims on Nonbank Financial Institutions Capital and Reserves Other Items (net) Money Supply M1 Currency in Circulation Outside Banks Monetary Deposits Money Supply M2 Quasi - Money Foreign Currency Deposits Dirham Deposits Money Supply M3 Government Deposits 2014 2015 Mar 2016 Dec Mar Jun Sep Dec 246,966 247,137 250,532 3,395 -171 409,774 409,945 302,661 262,215 266,130 3,915 40,446 458,082 417,636 298,287 268,515 274,833 6,318 29,772 437,301 407,529 314,858 278,021 284,622 6,601 36,837 470,676 433,839 288,082 280,253 288,247 7,994 7,829 491,902 484,073 795,938 860,011 47,578 178,055 91,888 -293,419 -88,175 807,189 890,689 54,694 208,547 55,188 -289,076 -112,853 829,482 933,692 31,447 196,642 54,818 -298,085 -89,032 805,325 981,668 1,752 195,968 43,892 -310,011 -107,944 837,347 959,046 21,498 196,737 42,352 -318,971 -63,315 379,550 411,965 434,306 431,057 436,132 456,899 464,176 453,658 456,934 490,309 481,015 472,502 472,409 472,610 473,938 50,408 53,410 54,883 57,261 59,016 56,212 58,827 57,230 58,391 61,830 64,457 61,789 62,166 62,815 62,262 295,519 265,551 273,449 7,898 29,968 521,307 491,339 Jun Sep Dec Mar Jun Sep 265,648 270,430 278,773 8,343 -4,782 530,221 535,003 234,011 262,517 271,306 8,789 -28,506 515,777 544,283 252,337 336,222 345,147 8,925 -83,885 496,450 580,335 249,826 299,987 309,008 9,021 -50,161 505,853 556,014 235,503 300,415 316,871 16,456 -64,912 514,367 579,279 233,594 297,326 304,371 7,045 -63,732 513,091 576,823 Oct 242,266 292,877 297,839 4,962 -50,611 523,446 574,057 Nov Dec * 248,950 283,405 287,882 4,477 -34,455 530,639 565,094 265,687 308,895 313,610 4,715 -43,208 547,824 591,032 867,041 908,600 924,299 934,482 968,668 944,915 966,677 961,055 963,942 959,768 974,890 1,003,449 1,025,116 1,040,059 1,051,577 1,074,750 1,089,021 1,091,564 1,090,795 1,100,089 36,655 61,818 61,262 68,324 71,854 42,913 63,211 72,662 63,756 56,297 202,347 201,038 212,660 204,886 215,707 226,265 226,170 227,029 230,725 224,851 43,440 42,832 44,756 49,310 50,269 44,422 44,201 45,383 45,534 28,755 -319,752 -329,911 -334,679 -345,034 -336,987 -351,006 -359,832 -362,681 -363,202 -367,821 -70,539 -70,626 -84,816 -83,063 -83,752 -92,429 -96,094 -112,902 -103,666 -82,403 329,142 358,555 379,423 373,796 377,116 400,687 405,349 396,428 398,543 428,479 416,558 410,713 410,243 409,795 411,676 1,042,904 1,109,850 1,127,769 1,120,183 1,125,429 1,162,560 1,174,248 1,158,310 1,186,819 1,218,494 1,180,418 1,200,271 1,203,321 1,212,892 1,225,455 663,354 697,885 693,463 689,126 689,297 705,661 710,072 704,652 729,885 728,185 699,403 727,769 730,912 740,282 751,517 193,966 213,511 209,663 223,331 214,336 233,097 233,285 238,173 245,127 245,129 230,173 255,758 260,732 263,213 270,867 469,388 484,374 483,800 465,795 474,961 472,564 476,787 466,479 484,758 483,056 469,230 472,011 470,180 477,069 480,650 1,204,376 1,264,176 1,311,884 1,326,588 1,314,519 1,346,045 1,337,657 1,322,068 1,342,879 1,373,888 1,364,776 1,368,679 1,362,877 1,385,807 1,411,342 161,472 154,326 184,115 206,405 189,090 183,485 * Preliminary -5- 163,409 163,758 156,060 155,394 184,358 168,408 159,556 172,915 185,887
  7. Table 3 : Monthly Changes in Factors Affecting Money Supply (In Millions of AEDs) 2014 Item Net International Reserves Central Bank (Net) Gross International Reserves Foreign Liabilities Banks (Net) Foreign Assets Foreign Liabilities Net Domestic Assets Claims on Private Sector Net Claims on Government Claims on Official Entities Claims on Nonbank Financial Institutions Capital and Reserves* Other Items (net)* Money Supply M1 Currency in Circulation Outside Banks 2015 Mar** Jun** Sep** 55,695 -4,374 16,571 -26,776 15,078 6,300 9,506 2,232 -14,702 4,879 -7,913 54,882 15,598 8,703 9,789 3,625 -14,798 5,324 -7,467 56,203 520 2,403 40,617 -10,674 48,308 -20,781 7,691 -10,107 Dec** 283 1,393 7,065 -29,008 33,375 21,226 26,310 50,234 11,251 22,293 -24,157 32,022 30,678 43,003 47,976 -22,622 7,116 -23,247 -29,695 19,746 30,492 -11,905 -674 769 -36,700 -370 -10,926 -1,540 4,343 -9,009 -11,926 -8,960 -24,678 23,821 -18,912 44,629 32,415 22,341 -3,249 5,075 Mar** Jun** 29,694 41,559 15,699 15,844 28,559 21,667 15,157 25,163 -556 5,610 -1,309 11,622 1,088 -608 1,924 -781 -10,159 -4,768 -7,224 -87 -14,190 -2,804 3,320 5,246 23,571 37,131 Quasi - Money 34,531 -4,422 -4,337 171 16,364 4,411 Foreign Currency Deposits 19,545 -3,848 13,668 -8,995 18,761 188 -574 -18,005 9,166 -1,597 16,737 7,443 2,599 -4,449 -9,472 25,490 164 17,536 2,265 -6,532 -9,957 25,728 -2,083 -485 13,121 16,156 10,355 7,193 -2,766 -8,963 238 -8,753 17,185 25,938 2,824 20,925 29,304 -7,276 16,689 -5,622 2,880 5,539 15,851 8,352 2,543 9,657 660 -1,588 7,568 9,451 -1,747 767 2,485 4,865 859 -1,519 747 -6,809 1,039 1,182 -5,945 11,155 -9,119 -2,278 -2,849 17,599 10,436 -8,096 -2,857 -16,808 201 1,328 377 649 -553 -470 3,050 -448 9,571 1,881 12,563 -5,420 22,169 8,345 1,901 17,174 3,143 9,370 11,235 4,888 14,829 -299 5,620 15,339 4,974 2,481 7,654 -2,397 4,223 -10,308 7,340 -1,831 6,889 3,581 -8,388 -15,589 -5,802 22,930 25,535 -8,852 13,359 12,972 14,704 -12,069 31,526 -7,146 29,789 22,290 -17,315 -5,605 -20,076 1,454 -93 96 47,708 427 -813 2,887 -4,174 -769 9,294 -8,906 -7,459 3,696 -5,874 151 -16,779 -521 -4,619 9,236 21,263 6 15,512 -9,374 -909 21,754 24,284 -6,019 16,361 4,662 -8,921 11,688 -15,938 59,800 -6- 6,684 -421 1,755 **Indicates Changes from End of Previous Quarter ***Indicates Change from the previous month 8,672 2,615 2,378 -5,627 -7,586 Nov*** Dec*** -328 -415 15,939 -7,920 1,473 Oct*** 1,257 7,277 -10,518 20,868 17,919 *( - ) Indicates an Increase and ( + ) Indicates a Decrease 829 -5,020 20,767 3,002 Government Deposits Dec*** Mar*** Jun*** Sep*** -96 445 446 1,321 -2,660 10,093 -334 22,139 -34,750 -23,724 -54,053 -7,844 -6,186 -2,927 29,405 8,914 -14,444 -22,872 15,539 11,753 12,696 7,266 43,664 9,280 31,181 23,383 17,939 15,623 29,413 66,946 14,986 Sep** 7,437 -29,871 -31,637 Monetary Deposits Money Supply M2 Dirham Deposits Money Supply M3 2016 8,644 -3,719 1,835 10,567 22,130 -6,566 11,562 349 -11,187 -2,154 -547 -4,799
  8. Table 4 . UAE Monetary Base (Monthly) (End of period, billions of Dirhams) Year Components of Monetary Base Banks & OFCs Current Accounts at CBUAE Monetary Base Currency Issued * Reserve Requirements Certificates of Deposit 2013 January February March April May June July August September October November December 245.9 254.2 253.3 245.7 249.7 255.7 251.1 250.6 259.3 259.7 266.1 281.8 57.9 58.8 59.4 58.8 60.0 59.4 61.2 60.7 60.5 62.8 63.4 63.9 72.0 72.7 72.9 76.1 77.2 78.7 81.4 82.9 82.4 82.9 84.7 87.8 13.2 16.6 16.2 12.0 16.0 20.6 14.4 15.6 21.4 14.4 18.4 22.2 102.8 106.1 104.8 98.8 96.5 97.0 94.1 91.4 95.0 99.6 99.6 107.9 January February March April May June July August September October November December 288.3 287.8 297.8 293.2 297.0 308.9 302.4 301.4 311.5 302.3 303.7 309.2 63.5 64.2 65.3 65.2 69.1 67.8 72.1 66.6 70.8 70.0 73.5 74.5 89.3 90.9 91.4 95.2 97.0 98.6 100.8 102.0 103.7 104.6 102.0 104.1 19.1 17.4 21.9 15.4 18.1 16.8 20.5 16.8 18.8 17.1 19.3 31.1 116.4 115.3 119.2 117.4 112.8 125.7 109.0 116.0 118.2 110.6 108.9 99.5 January February March April May June July August September October November December 292.4 292.6 304.4 291.4 295.6 302.4 300.4 288.6 295.3 299.4 302.4 365.2 69.6 68.5 69.3 70.8 71.5 72.5 72.7 70.3 71.0 72.5 73.8 73.5 105.6 107.6 105.6 107.1 109.2 109.5 110.7 110.9 110.6 111.5 110.6 111.9 24.1 19.7 17.8 23.5 20.2 19.1 18.0 12.2 16.3 20.7 21.7 40.0 93.1 96.8 111.7 90.0 94.7 101.3 99.0 95.2 97.4 94.7 96.3 139.8 January February March April May June July August September October November December ** 315.9 326.2 329.5 324.5 326.4 328.6 320.8 324.3 325.5 313.7 313.6 338.1 73.1 75.3 77.2 76.1 76.6 81.3 76.2 76.9 77.3 76.5 78.0 77.6 113.9 114.1 113.5 115.6 117.1 118.5 119.9 118.2 118.2 116.0 116.3 116.9 25.7 20.3 23.4 25.9 24.2 19.7 21.6 28.1 26.2 22.4 23.2 35.4 103.2 116.5 115.4 106.9 108.5 109.1 103.1 101.1 103.8 98.8 96.1 108.2 2014 2015 2016 * Currency Issued = currency in circulation plus cash at banks ** Preliminary -7-
  9. Table 5 : Central Bank of the UAE Balance Sheet (In Millions of AEDs) Item As at 31.12.2013 As at 31.03.2014 As at 30.06.2014 As at 30.09.2014 As at 31.12.2014 As at 31.03.2015 As at 30.06.2015 As at 30.09.2015 As at 31.12.2015 As at 31.03.2016 As at 30.06.2016 As at 30.09.2016 As at 31.10.2016 As at 30.11.2016 As at * 31.12.2016 Assets Cash and Bank Balances Gold Bullion Deposits Certificates of Deposit Under Repo 14,591 8,024 22,432 36,980 42,001 42,409 40,708 66,883 78,611 46,029 55,656 65,037 78,901 77,720 - - - - - - 347 664 940 1,085 1,164 1,171 1,129 1,052 90,149 1,015 99,926 101,608 96,523 93,687 76,917 70,057 92,880 98,241 96,362 91,260 65,319 67,467 52,392 41,800 61,698 - - - - - 6,000 - - - - - - - - - 514 514 514 499 321 321 321 228 228 214 214 200 200 200 200 128,263 152,425 156,364 146,760 157,753 159,947 145,574 107,078 164,495 167,508 192,094 168,988 162,845 154,966 149,337 55,361 55,361 54,590 49,852 49,443 49,443 49,443 49,231 49,231 49,198 49,198 49,165 49,165 49,165 49,165 6,781 5,034 3,540 9,064 4,280 1,903 1,722 3,709 3,568 1,001 1,507 5,803 14,857 12,790 97 94 89 83 79 78 85 78 79 113 103 93 89 85 99 305,534 323,061 334,053 336,925 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 350,524 339,845 364,453 129,367 131,789 113,716 118,103 134,105 145,303 119,150 115,166 199,681 198,254 262,631 211,456 194,758 216,869 188,892 Current Accounts & Deposits 111,973 117,360 118,920 126,747 142,168 129,404 135,394 132,727 157,031 140,363 140,351 146,920 140,928 142,082 154,775 Certificates of Deposit 107,896 119,223 125,713 118,184 99,534 111,759 101,335 97,365 139,773 115,394 109,083 103,797 98,750 96,107 108,193 63,927 65,300 67,823 70,785 74,472 69,353 72,550 71,047 73,522 77,208 81,317 77,267 76,467 78,036 77,551 495 1,640 2,059 1,671 1,387 2,191 2,170 3,187 3,111 5,646 13,536 5,175 13,948 3,268 2,964 284,291 303,523 314,515 317,387 317,561 312,707 311,449 304,326 373,437 338,611 344,287 333,159 330,093 319,493 343,483 Liquidity Support Facility Held to Maturity Foreign Securities Held to Maturity Securities-Issued by Ministry of Finance & Dubai Government Other Assets Property & Equipment Total Assets Off Balance Sheet Commitments Liabilities Currency Issued Other Liabilities Total Liabilities 10,875 Capital and Reserves Authorized,Issued & Fully Paid Capital General Reserve Other Reserve Retained Earnings 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 15,503 16,080 16,080 16,080 17,339 17,339 17,339 17,339 17,812 17,812 17,812 17,812 17,812 17,812 18,486 -11 -11 -27 -40 -94 52 150 157 119 40 -16 - - - - - - 143 - - - 3,097 958 958 957 21,243 19,538 19,538 19,538 19,828 19,828 19,812 19,799 20,218 20,364 20,462 20,469 20,431 20,352 20,970 Total Liabilities and Capital 305,534 323,061 334,053 336,925 337,389 332,535 331,261 324,125 393,655 358,975 364,749 353,628 350,524 339,845 364,453 Off Balance Sheet Commitments 129,367 131,789 113,716 118,103 134,105 145,303 119,150 115,166 199,681 198,254 262,631 211,456 194,758 216,869 188,892 Total Capital & Reserves - Not Available * Preliminary -8- - - - - -
  10. Table 6 : Central Bank International Reserves ( in Billions of Dirhams) Period Current Account Balances & Deposits with Banks Abroad Held-to-Maturity Foreign Securities IMF Reserves Position + SDR Holdings Other Foreign Assets Gross International Reserves Foreign Liabilities Net International Reserves 2013 January February March April May June July August September October November December 84.68 88.16 91.89 105.00 112.68 113.67 104.18 95.15 112.55 79.28 89.82 108.05 82.14 90.40 97.78 93.89 88.96 99.74 110.20 124.90 131.05 148.95 134.47 128.27 4.45 4.38 4.33 4.39 4.36 4.38 4.48 4.48 4.54 4.55 4.54 4.60 9.30 5.43 4.53 5.09 4.88 2.17 1.13 1.14 3.68 3.69 7.84 9.58 180.57 188.37 198.53 208.37 210.88 219.96 219.99 225.67 251.82 236.47 236.67 250.50 3.88 3.45 3.39 3.32 3.31 3.32 4.28 4.03 4.93 3.60 3.36 3.39 176.69 184.92 195.14 205.05 207.57 216.64 215.71 221.64 246.89 232.87 233.31 247.11 January February March April May June July August September October November December 122.87 105.55 103.95 117.60 107.41 110.25 125.64 137.07 124.35 125.91 131.85 115.48 137.07 151.85 152.43 144.51 152.42 156.37 160.20 143.05 146.76 141.77 135.39 157.75 4.58 4.62 4.61 4.63 4.62 4.63 4.59 4.55 4.44 4.43 4.39 4.34 5.99 4.84 5.14 4.17 3.69 3.59 4.75 5.60 9.07 6.91 10.36 10.68 270.51 266.86 266.13 270.91 268.14 274.84 295.18 290.27 284.62 279.02 281.99 288.25 4.32 4.39 3.92 3.73 5.23 6.32 9.78 9.51 6.60 8.11 8.01 7.99 266.19 262.47 262.21 267.18 262.91 268.52 285.40 280.76 278.02 270.91 273.98 280.26 January February March April May June July August September October November December 115.07 114.08 105.49 116.03 119.24 124.63 128.08 130.68 156.38 153.98 141.70 171.79 156.14 155.64 159.95 159.33 153.31 145.57 144.46 129.69 107.08 127.32 137.28 164.50 4.23 4.22 4.13 4.22 4.17 4.22 4.18 4.21 4.21 4.19 4.11 4.05 5.30 5.13 3.89 3.59 6.90 4.36 5.01 3.78 3.64 4.13 5.84 4.82 280.74 279.07 273.45 283.17 283.62 278.78 281.73 268.36 271.31 289.62 288.93 345.16 8.49 7.85 7.90 8.44 7.56 8.34 7.55 9.34 8.79 8.18 7.60 8.92 272.25 271.22 265.55 274.73 276.06 270.44 274.18 259.02 262.52 281.44 281.33 336.24 122.19 134.07 132.76 120.74 108.22 116.86 123.46 118.23 126.96 123.86 114.40 147.85 -13.9% 168.41 166.93 167.51 197.48 181.59 192.09 186.44 174.44 168.99 162.84 154.97 149.34 -9.2% 4.03 2.77 2.82 2.84 2.81 2.81 2.79 2.80 2.80 2.76 2.72 2.70 -33.3% -9- 6.27 5.07 5.92 5.53 6.71 5.10 5.44 6.64 5.62 8.38 15.79 13.72 300.90 308.84 309.01 326.59 299.33 316.86 318.13 302.11 304.37 297.84 287.88 313.61 -9.1% 7.05 11.68 9.02 15.89 6.36 16.45 14.52 7.38 7.04 4.96 4.48 4.71 293.85 297.16 299.99 310.70 292.97 300.41 303.61 294.73 297.33 292.88 283.40 308.90 -47.2% -8.1% 2014 2015 2016 January February March April May June July August September October November December * Change for the year * Preliminary 184.6%
  11. Table 7 : Aggregated Balance Sheet of Banks - Assets (In Millions of AEDs) Item 2013 Dec Mar Jun 2014 Sep Dec Mar Jun 2015 Sep Dec Mar Jun Sep 2016 Oct Nov Dec * 230,907 242,585 251,558 251,812 248,478 245,767 241,620 236,608 304,186 266,138 262,134 261,433 250,428 250,320 274,367 13,519 11,890 12,940 13,524 15,456 13,141 13,723 13,817 15,131 15,378 16,860 15,478 14,301 15,221 15,289 217,388 230,695 238,618 238,288 233,022 232,626 227,897 222,791 289,055 250,760 245,274 245,955 236,127 235,099 259,078 Domestic Assets Cash and Deposits with C.B Cash in Hand ( LCY ) Deposits with Central Bank Due From Resident Banks 67,884 67,590 64,283 65,117 64,343 71,576 75,083 60,004 53,947 63,907 56,283 72,561 66,431 69,598 63,128 Domestic Credit and Investments 1,312,903 1,335,257 1,375,427 1,409,400 1,388,902 1,422,299 1,457,399 1,493,256 1,502,210 1,529,471 1,561,990 1,580,952 1,584,761 1,591,410 1,601,628 a) Credit Facilities 1,203,317 1,223,858 1,254,232 1,290,611 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,449,296 1,451,565 1,453,593 840,512 870,623 912,468 960,651 938,990 953,782 981,807 1,003,112 1,018,485 1,029,607 1,051,588 1,065,905 1,068,434 1,067,285 1,076,000 41,852 46,101 48,067 54,027 57,112 53,752 57,242 56,675 53,018 53,283 52,973 49,749 49,827 48,745 48,644 Claims on Private Sector Commercial Bills Loans,Advances, Overdrafts & Real Estate Mortgage loans. 798,660 824,522 864,401 906,624 881,878 900,030 924,565 946,437 965,467 976,324 998,615 1,016,156 1,018,607 1,018,540 1,027,356 Claims on Government 145,446 143,078 148,288 147,043 153,071 160,972 168,495 166,400 166,586 168,667 168,627 174,085 172,950 174,421 172,467 Claims on Official Entities 147,709 177,938 162,749 162,961 166,176 169,455 167,376 176,922 171,393 180,767 187,705 187,950 188,542 190,634 187,159 1,368 1,032 790 733 1,020 4,140 2,707 2,952 1,546 1,724 1,859 3,812 2,321 2,230 2,524 146,341 176,906 161,959 162,228 165,156 165,315 164,669 173,970 169,847 179,043 185,846 184,138 186,221 188,404 184,635 69,650 32,219 30,727 19,956 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,370 19,225 17,967 69,650 32,219 30,727 19,956 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,370 19,225 17,967 b) Domestic Investments 109,586 111,399 121,195 118,789 111,282 118,712 121,556 126,937 121,029 125,090 135,694 134,843 135,465 139,845 148,035 Unclassified Assets 102,594 106,269 108,365 114,344 111,244 118,979 115,221 116,598 121,432 125,727 123,725 122,111 119,374 126,753 123,887 21,556 22,847 22,966 23,150 24,209 24,558 24,713 25,170 25,094 25,582 25,689 25,596 25,619 25,921 25,589 2,836 3,366 3,284 6,019 6,447 10,069 8,554 7,730 10,944 9,394 5,992 4,768 3,830 7,728 7,622 78,202 80,056 82,115 85,175 80,588 84,352 81,954 83,698 85,394 90,751 92,044 91,747 89,925 93,104 90,676 Commercial Bills Loans,Advances & Overdrafts Claims on Other Financial Institutions Loans,Advances & Overdrafts Fixed Assets Inter-Branch Transactions Other Assets Foreign Assets 409,774 458,082 437,301 470,676 491,902 521,307 530,221 515,777 496,450 505,853 514,367 513,091 523,446 530,639 547,824 Due from H.O. and/or Branches Abroad 114,532 110,933 96,028 106,903 111,725 122,099 123,233 117,632 84,290 83,640 84,500 75,834 77,938 82,123 103,255 Due from Other Banks Abroad 131,658 164,017 146,230 157,189 142,718 158,582 155,818 144,605 151,453 138,261 135,997 138,291 142,544 141,189 145,952 146 154 124 117 161 146 133 167 203 167 205 159 136 147 157 Securities 77,103 88,357 104,222 99,653 116,748 109,759 119,322 119,045 129,097 139,028 139,130 141,068 143,492 144,055 140,622 Credit to Non-Residents 72,227 79,503 75,424 91,282 100,433 106,642 110,831 112,154 103,850 113,130 117,138 119,887 120,927 124,704 120,411 Other Foreign Assets 14,108 15,118 15,273 15,532 20,117 24,079 20,884 22,174 27,557 31,627 37,397 37,852 38,409 38,421 37,427 2,124,062 2,209,783 2,236,934 2,311,349 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,544,440 2,568,720 2,610,834 Cash in Hand ( FCY ) Total Assets * Preliminary -10-
  12. Table 8 : Aggregated Balance Sheet of Banks - Liabilities (In Millions of AEDs) Item 2013 Dec Mar Jun 2014 Sep Dec Mar Jun 2015 Sep Dec Mar Jun Sep 2016 Oct Nov Dec * 329,142 358,555 379,423 373,796 377,116 400,687 405,349 396,426 398,543 428,479 416,558 410,713 410,243 409,795 411,676 325,353 351,556 374,394 369,601 373,473 395,675 399,767 391,219 393,969 423,070 411,189 405,797 405,092 405,187 407,198 Domestic Liabilities Monetary Deposits Demand Deposits ( LCY ) Bankers Drafts Quasi Monetary Deposits Time Deposits ( LCY ) Savings Deposits ( LCY ) 6,999 5,029 4,195 3,643 5,012 5,582 5,207 4,574 5,409 5,369 4,916 5,151 4,608 4,478 697,550 693,139 688,838 689,017 705,308 709,773 704,287 729,523 727,822 699,010 727,333 730,475 739,864 751,039 387,835 397,398 392,202 374,988 379,336 372,007 371,617 360,990 378,307 371,427 352,803 358,239 355,664 362,069 364,916 81,292 86,643 91,276 90,521 95,357 100,206 104,875 105,126 106,090 111,268 116,035 113,337 114,080 114,583 115,257 193,963 213,509 209,661 223,329 214,324 233,095 233,281 238,171 245,126 245,127 230,172 255,757 260,731 263,212 270,866 159,655 150,463 183,005 205,636 187,045 182,024 161,199 162,509 155,613 153,606 183,999 167,593 158,716 171,918 185,036 Other Domestic Deposits ( LCY + FCY ) ** 15,774 16,393 16,872 17,928 17,744 18,318 17,854 20,240 21,021 20,657 21,744 21,112 21,552 21,126 20,650 Government Lending Funds *** 15,080 15,635 16,252 16,866 17,702 18,028 18,608 19,170 19,614 19,955 20,516 21,266 21,300 21,248 21,197 272,176 269,538 278,547 290,473 299,144 299,925 310,099 314,880 324,816 316,623 330,544 339,363 342,250 342,850 346,851 4,215 3,265 6,230 4,090 1,311 11,205 7,046 6,542 560 844 1,868 2,912 4,594 2,595 1,157 52,890 50,537 43,069 43,734 42,497 51,109 51,939 50,120 47,136 58,763 50,097 63,168 56,559 59,725 54,798 Other Deposits ( FCY ) Government Deposits ( LCY + FCY ) Capital and Reserves Due to Central Bank Due to Resident Banks Capital Market Funding & Term Borrowings 7,699 8,815 10,085 9,272 9,286 10,431 16,235 14,171 14,079 14,716 22,239 24,999 24,975 24,870 25,170 409,945 417,636 407,529 433,839 484,073 491,339 535,003 544,283 580,335 556,014 579,279 576,823 574,057 565,094 591,032 Due to H.O and/or Branches Abroad 68,489 68,236 55,417 64,411 70,683 76,893 88,991 72,981 87,748 63,952 61,445 49,036 46,678 46,089 50,721 Due to Other Banks Abroad 77,829 77,371 64,244 78,021 88,155 91,384 105,986 124,004 129,956 124,551 138,931 125,312 119,057 117,487 127,038 Capital Market Funding 84,495 87,934 90,960 92,687 94,671 105,082 112,781 94,850 90,530 94,068 93,296 89,506 94,768 89,006 87,458 Other Term Borrowings 18,955 22,531 21,777 22,213 23,554 20,062 22,412 42,127 43,499 38,957 44,941 61,607 64,780 69,156 67,068 114,980 115,782 132,834 132,463 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 187,390 183,200 199,003 Foreign Liabilities Other Deposits ( LCY + FCY ) Other Foreign Liabilities Unclassified Liabilities Inter-Branch Transactions Other Liabilities - Of which : Provisions Total Liabilities * 3,789 663,090 1 45,197 45,782 42,297 44,044 53,058 49,945 49,120 51,796 57,110 56,972 63,553 64,472 61,384 60,156 59,744 194,396 221,396 202,783 226,877 179,934 191,554 186,439 189,615 186,985 193,617 192,645 194,866 199,719 209,635 202,228 2,459 25,897 8,113 4,218 5,093 6,616 7,905 7,158 3,538 4,545 2,890 3,615 3,960 8,769 6,106 191,937 195,499 194,670 222,659 174,841 184,938 178,534 182,457 183,447 189,072 189,755 191,251 195,759 200,866 196,122 97,981 104,210 108,694 113,081 97,277 97,772 98,011 100,964 101,526 103,841 105,791 108,540 109,574 110,671 109,807 2,124,062 2,209,783 2,236,934 2,311,349 2,304,869 2,379,928 2,419,544 2,422,243 2,478,225 2,491,096 2,518,499 2,550,148 2,544,440 2,568,720 2,610,834 Preliminary ** Commercial Prepayment (Margin Deposits) ( L.Cy + F.Cy ) & Borrowings under Repurchase Agreements *** Refinancing of Housing Loans to Nationals under various schemes of Federal & Emirates Governments 1 Provisions for Bad and Doubtful Debts as well as Interest in suspense -11-
  13. Table 9 : Aggregated Memoranda Accounts of Banks (In Millions of AEDs) Item 2013 2014 2015 2016 Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Oct Nov Dec * Letters of Credit 114,919 118,703 116,557 133,061 132,425 118,753 122,332 118,699 110,897 102,695 103,778 96,123 94,455 96,500 96,678 Guarantees 316,539 331,417 342,593 345,282 351,734 369,650 371,179 372,638 373,399 372,374 383,138 386,612 385,904 385,011 387,514 Commitments 130,353 131,333 158,177 174,213 173,961 178,546 180,382 174,388 185,767 184,131 178,946 184,090 189,164 193,281 187,782 FX Derivatives 864,775 937,291 1,091,557 949,085 920,848 994,597 925,227 908,801 682,430 604,681 517,210 508,825 507,566 528,245 443,400 1,355,319 1,402,004 1,438,466 1,609,694 1,416,267 1,255,061 1,438,215 1,383,402 1,427,143 1,605,865 1,833,688 1,966,884 1,963,158 1,947,052 1,881,184 117,265 159,593 177,125 173,143 150,882 209,415 187,898 136,325 115,200 84,379 68,656 60,288 55,407 53,192 49,108 Other Memoranda Items 27,545 57,744 92,815 77,390 69,769 44,383 52,493 42,029 52,636 37,998 52,642 53,004 50,619 45,606 37,946 Total Memoranda Accounts 2,926,715 3,138,085 3,417,290 3,461,868 3,215,886 3,170,405 3,277,726 3,136,282 2,947,472 2,992,123 3,138,058 3,255,826 3,246,273 3,248,887 3,083,612 Off-Balance Sheet Items Interest Rate Derivatives Others Derivatives * Preliminary -12-
  14. Table 10 : Banks' Foreign Assets and Liabilities (In Millions of AEDs) 2015 Item Jan Feb Mar Apr May 2016 Jun Jul Aug Sep Dec Mar Jun Sep Oct Nov Dec * Foreign Assets 494,375 512,840 521,307 516,332 515,360 530,221 515,320 530,012 515,777 496,450 505,853 514,367 513,091 523,446 530,639 Notes and Coins 168 120 146 144 158 133 127 156 167 203 167 205 159 136 147 157 99,413 128,237 122,099 127,131 109,460 123,233 118,981 128,296 117,632 84,290 83,640 84,500 75,834 77,938 82,123 103,255 159,874 152,973 158,582 148,236 160,415 155,818 145,675 147,879 144,605 151,453 138,261 135,997 138,291 142,544 141,189 145,952 57,236 50,634 55,651 48,644 58,624 49,296 43,746 48,362 51,303 64,459 50,576 51,019 53,340 55,346 53,781 61,190 - Term Placements 66,689 67,704 66,696 62,873 60,279 62,578 60,388 58,628 48,667 46,731 53,241 46,055 49,786 50,856 53,444 50,300 - Term Loans 35,949 34,635 36,235 36,719 41,512 43,944 41,541 40,889 44,635 40,263 34,444 38,923 35,165 36,342 33,964 34,462 Securities 105,686 104,511 109,759 110,162 111,400 119,322 116,185 117,864 119,045 129,097 139,028 139,130 141,068 143,492 144,055 140,622 Loans and Advances 102,123 104,051 106,642 108,881 110,755 110,831 113,252 114,318 112,154 103,850 113,130 117,138 119,887 120,927 124,704 120,411 Other Foreign Assets 27,111 22,948 24,079 21,778 23,172 20,884 21,100 21,499 22,174 27,557 31,627 37,397 37,852 38,409 38,421 37,427 591,032 Due from H.O and Branches Due from Other Banks Abroad 547,824 - Money at Call & Short Notice , Nostro Balance , Banks Bills & Lending under Repurchase Agreement Foreign Liabilities 471,075 469,844 491,339 503,573 506,662 535,003 539,225 560,953 544,283 580,335 556,014 579,279 576,823 574,057 565,094 Due to H.O and/or Branches Abroad 66,250 66,757 76,893 76,162 77,259 88,991 92,885 89,370 72,981 87,748 63,952 61,445 49,036 46,678 46,089 50,721 Due to Other Banks Abroad 85,891 83,954 91,384 100,870 100,053 105,986 108,194 120,134 124,004 129,956 124,551 138,931 125,312 119,057 117,487 127,038 34,335 31,371 35,079 43,031 42,605 40,437 54,722 60,092 66,667 55,750 41,475 56,029 56,945 58,641 58,466 51,102 46,372 50,506 55,042 56,402 55,398 64,589 52,574 59,161 47,744 62,695 57,429 54,822 53,271 44,967 47,032 56,918 5,184 2,077 1,263 1,437 2,050 960 898 881 9,593 11,511 25,647 28,080 15,096 15,449 11,989 19,018 Capital Market Funding 95,094 102,433 105,082 106,763 109,505 112,781 112,320 114,267 94,850 90,530 94,068 93,296 89,506 94,768 89,006 87,458 Other Term Borrowings 20,582 20,492 20,062 22,816 22,776 22,412 23,013 26,285 42,127 43,499 38,957 44,941 61,607 64,780 69,156 67,068 142,959 141,934 147,973 146,695 144,604 155,713 153,208 160,461 158,525 171,492 177,514 177,113 186,890 187,390 183,200 199,003 - Demand Deposits 32,744 32,238 30,760 32,285 29,732 29,983 27,987 28,875 31,629 32,826 40,929 33,573 30,892 32,054 30,874 39,276 - Time Deposits 87,083 86,869 95,130 89,302 89,430 101,734 97,711 105,336 102,602 114,072 114,692 120,311 131,508 130,370 128,048 135,923 - Savings Deposits 21,524 - Money at Call & Short Notice , Borrowings on Demand and Remaining Balance & Borrowings Under Repurchase Agreement - Inter Bank Borrowings - Other Term Borrowings Other Deposits 19,644 20,001 19,445 19,636 19,634 19,762 19,865 19,767 19,771 20,733 20,714 20,804 21,627 21,297 21,825 - Commercial Prepayments(Margin Deposits) 1,639 1,476 1,543 1,327 1,226 1,224 230 241 298 334 405 436 476 379 577 360 - Borrowings Under Repurchase Agreements(NBFI) 1,849 1,350 1,095 4,145 4,582 3,010 7,415 6,242 4,225 3,527 774 1,989 2,387 3,290 1,876 1,920 60,299 54,274 49,945 50,267 52,465 49,120 49,605 50,436 51,796 57,110 56,972 63,553 64,472 61,384 60,156 59,744 Other Foreign Liabilities * Preliminary -13-
  15. Table 11 : Domestic Credit * (In Millions of AEDs) 2013 2014 2015 2016 Item Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Oct Nov Government 145,446 143,078 148,288 147,043 153,071 160,972 168,495 166,400 166,586 168,667 168,627 174,085 172,950 174,421 172,467 Public Sector 147,709 177,938 162,749 162,961 166,176 169,455 167,376 176,922 171,393 180,767 187,705 187,950 188,542 190,634 187,159 Private Sector 910,162 902,842 943,195 980,607 958,373 973,160 999,972 1,022,997 1,043,202 1,054,947 1,069,964 1,084,074 1,087,804 1,086,510 1,093,967 69,650 32,219 30,727 19,956 19,383 19,378 18,165 19,885 24,717 25,340 18,376 18,169 19,370 19,225 17,967 1,072 1,635 1,171 1,111 1,191 1,105 1,252 1,258 1,237 1,171 1,241 1,495 1,500 1,498 1,513 Business and Industrial Sector 559,356 582,327 615,836 652,694 638,039 642,898 661,292 672,141 686,518 692,342 708,481 718,567 720,695 717,635 726,305 Others 280,084 286,661 295,461 306,846 299,760 309,779 319,263 329,713 330,729 336,094 341,866 345,843 346,239 348,152 348,183 1,203,317 1,223,858 1,254,232 1,290,611 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,449,296 1,451,565 1,453,593 Financial Institutions Insurance Companies Total * 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 -14- Dec **
  16. Table 12 : Bank Credit to Residents by Economic Activity ( Quarterly ) (In Millions of AEDs) End of Period Economic Activity 2013 Dec 2014 Mar Jun 2015 Sep Dec Mar Jun 2016 Sep Dec Mar Jun Sep Dec * 1) Agriculture 3,092 2,299 1,607 2,221 2,698 1,645 1,272 1,294 1,559 1,262 1,200 1,177 1,373 2) Mining and Quarrying 15,653 17,448 8,893 9,989 9,181 10,738 10,456 11,071 11,922 11,707 12,437 14,013 13,538 3) Manufacturing 58,032 58,018 66,278 61,393 65,140 66,476 71,195 72,215 69,110 72,231 71,376 71,589 69,465 5,549 4,640 5,758 5,644 6,463 6,494 6,815 6,397 6,516 6,067 6,244 5,782 6,007 739 776 819 984 1,100 1,095 1,256 1,171 1,477 1,523 1,379 1,330 1,364 3.3 Furniture and Other Wood Products 4,110 4,232 6,230 2,269 1,789 2,030 2,161 2,455 2,528 2,624 2,642 2,342 2,406 3.4 Paper And Paper Products 3.5 Chemicals and Chemical Products, Petroleum and Petro-Chemicals 1,006 1,044 1,150 1,235 1,341 1,604 1,698 1,873 1,992 1,912 1,850 1,915 1,961 3.1 Food , Beverages and Tobacco 3.2 Textile and Leather Products 8,333 7,765 9,217 9,817 12,693 14,576 18,123 17,229 17,480 18,652 18,342 17,953 17,251 3.6 Basic Metal Products (Including Aluminium) 3.7 Fabricated Metal Products, Machinery and Equipment 13,966 12,589 11,609 13,650 15,428 14,980 12,727 14,576 12,524 12,926 12,975 13,378 13,683 4,444 6,378 7,695 7,006 6,724 7,417 6,673 7,782 6,869 7,289 7,077 7,077 6,853 3.8 Other Manufactured Products 19,885 20,594 23,800 20,788 19,602 18,280 21,742 20,732 19,724 21,238 20,867 21,812 19,940 4) Electricity, Gas and Water 21,864 20,925 20,201 19,193 18,937 18,576 22,479 20,732 20,482 18,559 18,592 17,882 18,438 5) Construction and Real Estate 204,351 199,711 207,692 211,558 212,550 210,620 216,166 223,646 235,010 241,790 242,382 250,827 264,681 6) Trade 146,847 159,116 149,180 156,513 155,761 160,454 164,857 164,845 161,689 160,697 160,710 158,247 155,508 6.1 Wholesale 89,181 113,016 101,003 104,426 106,160 112,983 119,122 119,088 114,877 112,300 113,864 111,001 108,420 6.2 Retail 57,666 46,100 48,177 52,087 49,601 47,471 45,735 45,757 46,812 48,397 46,846 47,246 47,088 7) Transport, Storage and Communication 36,423 42,578 54,367 55,780 56,494 59,495 60,828 58,810 59,155 62,468 63,951 62,704 63,450 8) Financial Institutions(Excluding Banks) 113,580 131,107 121,892 129,800 131,824 133,143 128,173 135,491 135,599 139,551 144,861 148,373 144,328 9) Government 144,030 132,126 137,333 133,995 135,982 143,223 148,227 152,764 157,493 159,300 160,032 165,068 162,579 245,212 248,587 254,088 267,133 267,156 265,229 272,171 280,436 283,228 288,148 292,480 295,278 294,871 115,395 116,982 119,571 125,710 125,721 124,813 128,080 131,970 133,284 135,599 137,637 138,954 138,763 98,838 94,961 113,130 117,326 96,176 109,175 111,939 113,045 112,650 113,069 120,638 121,997 126,599 1,203,317 1,223,858 1,254,232 1,290,611 1,277,620 1,303,587 1,335,843 1,366,319 1,381,181 1,404,381 1,426,296 1,446,109 1,453,593 1 10) Personal Loans for Business Purposes 11) Personal Loans for Consumption Purposes 1 2 12) All Others Total 1 Including Loans to High Net-Worth Individuals 2 Including Loans to the Service Sector and Non-Profit Institutions * Preliminary -15-
  17. Table 13 : Deposits distributed Residents / Non Residents * (In Millions of AEDs) 2013 Item (1) (2) Dec Residents 2014 Mar Jun 2015 Sep Dec Mar Jun 2016 Sep Dec Mar Jun Sep Oct Nov Dec ** 1,163,872 1,215,962 1,267,410 1,282,003 1,267,279 1,301,325 1,288,593 1,278,255 1,300,126 1,325,155 1,315,942 1,321,820 1,315,818 1,338,078 1,363,904 1.1 Corporate 472,876 487,905 508,546 499,428 517,415 530,403 544,811 553,813 563,100 571,428 565,690 576,394 569,541 568,889 591,442 1.2 Individuals 317,251 335,439 347,462 343,719 351,336 358,035 362,396 357,392 360,741 376,655 379,631 380,128 386,439 387,598 389,243 1.3 Government 161,300 152,076 184,705 207,374 188,819 183,789 162,947 164,264 157,438 155,523 185,903 169,515 160,643 173,839 186,847 1.4 GREs 173,555 204,207 190,374 195,864 173,352 191,929 184,164 173,275 190,755 193,348 161,487 171,155 173,268 180,006 168,163 1.5 Non Banking Financial Institutions 38,890 36,335 36,323 35,618 36,357 37,169 34,275 29,511 28,092 28,201 23,231 24,628 25,927 27,746 28,209 114,980 115,782 132,834 132,463 153,952 147,973 155,713 158,525 171,492 177,514 177,113 186,890 187,390 183,200 199,003 Non-Residents 2.1 Corporate 49,187 45,271 53,964 51,272 62,599 61,832 61,043 65,857 72,807 78,706 80,702 84,460 78,296 75,830 88,350 2.2 Non Banking Financial Institutions 35,813 35,321 35,295 31,167 40,774 34,338 42,692 43,864 57,606 58,211 55,357 57,983 68,770 66,971 70,104 2.3 Individuals 22,249 24,664 25,413 25,717 26,750 25,851 26,106 26,180 27,492 27,982 28,251 31,310 28,794 29,240 28,085 2.4 Government and Non Commercial Entities 7,731 10,527 18,162 24,306 23,828 25,952 25,872 22,624 13,587 12,615 12,803 13,137 11,530 11,159 12,464 1,278,852 1,331,744 1,400,244 1,414,466 1,421,231 1,449,298 1,444,306 1,436,780 1,471,618 1,502,669 1,493,055 1,508,710 1,503,208 1,521,278 1,562,907 Total Deposits * Excluding Inter-Bank Deposits and Bank Drafts but Including Commercial Prepayments & Borrowings under repurchase agreements ** Preliminary -16-
  18. 1 Table 14 : Deposits by Type and Currency (In Millions of AEDs) Item 2013 2014 2015 2016 Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Oct Nov Demand 448,386 482,554 506,334 506,019 515,199 542,970 543,942 543,231 547,978 590,939 566,312 563,792 566,471 569,243 579,935 Local Currency 332,415 359,157 382,820 379,403 383,509 404,533 408,204 399,836 401,342 431,083 419,652 413,796 413,832 413,746 415,829 Foreign Currencies 115,971 123,397 123,514 126,616 131,690 138,437 135,738 143,395 146,636 159,856 146,660 149,996 152,639 155,497 164,106 Savings 107,201 114,248 121,028 120,173 126,453 131,800 137,127 138,040 141,244 147,884 152,035 151,070 152,067 152,812 153,744 Local Currency 92,080 98,116 103,311 102,083 107,152 112,257 116,985 114,169 115,630 120,154 125,068 122,987 123,497 124,476 124,989 Foreign Currencies 15,121 16,132 17,717 18,090 19,301 19,543 20,142 23,871 25,614 27,730 26,967 28,083 28,570 28,336 28,755 Time 541,887 562,178 562,051 548,888 552,775 560,779 572,099 562,657 589,148 576,328 554,649 589,726 589,865 593,006 609,925 Local Currency 406,843 411,738 404,814 388,107 391,629 384,229 384,138 377,498 397,795 392,041 381,348 388,819 385,332 390,242 391,921 Foreign Currencies 135,044 150,440 157,237 160,781 161,146 176,550 187,961 185,159 191,353 184,287 173,301 200,907 204,533 202,764 218,004 1,097,474 1,158,980 1,189,413 1,175,080 1,194,427 1,235,549 1,253,168 1,243,928 1,278,370 1,315,151 1,272,996 1,304,588 1,308,403 1,315,061 1,343,604 Total Local Currency 831,338 869,011 890,945 869,593 882,290 901,019 909,327 891,503 914,767 943,278 926,068 925,602 922,661 928,464 932,739 Total Foreign Currencies 266,136 289,969 298,468 305,487 312,137 334,530 343,841 352,425 363,603 371,873 346,928 378,986 385,742 386,597 410,865 Commercial Prepayments 15,847 16,991 18,292 17,877 25,639 19,191 19,077 20,506 21,278 21,032 22,035 21,299 21,609 21,379 20,686 Total Deposits2 1 Excluding Inter-Bank Deposits Residents and Non-Residents (Excluding Government Deposits and Commercial Prepayments & Borrowings under Repurchase Agreements) * Preliminary 2 -17- Dec *
  19. Table 15 : Time Deposits by Maturity * (In Millions of AEDs) Period 2013 2014 2015 2016 Maturity Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Oct Nov Upto 3 Months 439,458 442,028 456,254 500,820 472,636 468,478 432,790 428,963 441,945 423,635 388,932 425,463 435,461 440,198 452,416 Above 3 and Upto 6 Months 118,661 100,910 131,383 116,209 127,174 108,137 122,629 121,904 148,382 113,255 138,798 148,853 144,522 140,121 137,066 Above 6 and Upto 12 Months 109,987 125,156 120,057 106,864 109,859 113,748 129,890 125,569 106,490 136,319 154,844 128,288 116,388 124,895 137,798 26,523 23,233 25,103 23,547 30,060 40,173 33,710 33,656 41,694 46,529 41,336 40,168 39,031 40,888 52,305 694,629 691,327 732,797 747,440 739,729 730,536 719,019 710,092 738,511 719,738 723,910 742,772 735,402 746,102 779,585 Exceeding 12 Months Total * Excluding Inter-Bank Deposits but Including Government Deposits , Commercial Prepayments and Borrowings under Repurchase Agreements * Effective from September 2016, data against different maturity buckets are restructured to align with latest Banking Return Forms ** Preliminary -18- Dec **
  20. Table 16 : Currency Issued * (In Thousands of AEDs) 2013 Item Total Notes Issued ( 1 )** Total Coins Issued ( 2 )*** Total Currency Issued Dec 2014 Mar Jun 2015 Sep Dec Mar Jun 2016 Sep Dec Mar Jun Sep Oct Nov Dec **** 63,076,612 64,433,724 66,904,951 69,836,520 73,502,110 68,355,146 71,528,890 70,005,382 72,456,853 76,126,961 80,215,276 76,155,196 75,352,141 76,917,263 76,429,913 850,187 866,484 918,261 948,826 969,992 997,569 1,020,633 1,041,728 1,065,241 1,081,388 1,101,593 1,111,879 1,115,211 1,118,760 1,121,558 63,926,799 65,300,208 67,823,212 70,785,346 74,472,102 69,352,715 72,549,523 71,047,110 73,522,094 77,208,349 81,316,869 77,267,075 76,467,352 78,036,023 77,551,471 * Currency Issued = currency in circulation plus cash at banks ** Excluding Mutilated Notes *** Excluding Issued Gold Coins **** Preliminary -19-
  21. Table 17 : Cleared Cheques Statistics* 2013 Item Amount Dec 2014 2015 Sep Dec Mar Jun 2016 Mar Jun Sep 1,339,503 380,553 781,439 1,165,239 1,559,595 394,156 802,970 1,191,883 29,334 7,587 15,526 23,041 30,817 7,792 15,879 23,440 Dec Mar Jun Sep Oct Nov Dec ** 1,585,826 377,413 765,609 1,106,509 1,234,464 1,357,159 1,479,692 31,215 7,707 15,432 22,382 25,013 27,504 29,928 ( In Millions of AEDs ) No. of Cheques (in Thousands) * Cumulative data ** Preliminary -20-