United Arab Emirates: Monthly Banking Indicators - December 2017

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UAE Banking Indicators (End of month, figures in billions of Dirhams unless otherwise indicated) 2013 2014 2015 2016 Dec Gross Bank Assets 1 1.Total Banks' Reserves at the Central Bank Reserve Requirements Current Accounts of Banks Certificates of Deposit held by Banks of which: Islamic Certificates of Deposit 2.Gross Credit 1 Dec 2017 Dec Dec Mar Jun Sep Nov Dec* 2,109.2 217.6 87.8 21.9 107.9 34.1 1260.6 2,287.7 234.4 104.1 30.8 99.5 19.8 1360.9 2458.9 291.3 111.9 39.6 139.8 20.9 1465.8 2592.5 260.0 116.9 34.9 108.2 20.1 1553.7 2626.5 270.9 119.9 35.7 115.3 26.3 1575.4 2632.0 270.6 125.5 42.3 102.8 20.4 1569.0 2643.2 279.7 122.4 30.7 126.6 30.4 1580.0 2687.1 271.6 124.7 30.3 116.6 28.3 1594.8 2695.0 291.4 121.4 34.9 135.1 38.3 1580.7 1188.4 145.4 147.7 825.6 1260.5 153.1 166.2 921.8 1361.9 166.6 171.4 999.2 1433.3 172.4 187.4 1054.5 1450.6 176.8 194.8 1058.9 1434.6 177.9 179.0 1058.2 1447.0 181.5 175.4 1069.6 1467.0 175.7 186.2 1084.1 560.4 639.2 687.8 728.4 731.4 728.6 734.5 265.2 69.7 72.2 15.5 186.8 105.4 13.4 41.9 26.1 444.2 1278.9 1163.9 161.3 173.6 790.1 38.9 115.0 1.0% 282.6 19.4 100.4 10.2 228.0 139.7 14.0 47.2 27.1 464.4 1421.3 1267.3 188.8 173.3 868.8 36.4 154.0 1.0% 311.4 24.7 103.9 9.2 250.1 146.0 13.5 62.2 28.4 451.7 1471.6 1300.1 157.4 190.8 923.8 28.1 171.5 1.0% 326.1 19.0 120.4 14.6 288.9 186.1 12.1 60.4 30.3 489.9 1562.9 1363.9 186.8 168.4 980.5 28.2 199.0 1.2% 327.5 20.1 124.8 15.2 288.9 183.6 12.2 62.4 30.7 491.3 1602.0 1413.0 194.0 192.0 998.3 28.7 189.0 1.2% 329.6 19.5 134.4 15.5 294.5 187.1 12.2 64.7 30.5 497.9 1589.1 1409.3 196.8 189.6 983.6 39.3 179.8 1.1% 335.1 20.5 133.0 16.0 302.8 195.7 11.9 64.3 30.9 480.7 1595.8 1407.5 201.2 183.0 991.9 31.4 188.3 1.3% 5.1% 5.2% 5.0% 5.0% 4.9% 5.0% 5.0% 244.7 77.5 19.2 84.7% 14.7% 19.3% 16.9% 268.0 71.6 24.1 85.2% 15.7% 18.2% 16.2% 286.3 72.4 26.5 87.1% 17.4% 18.3% 16.6% 307.8 79.0 28.6 86.2% 16.2% 18.9% 17.3% 298.3 80.5 29.0 85.4% 16.8% 18.6% 16.9% 302.7 81.7 29.0 85.9% 17.1% 18.5% 16.9% 327.1 83.1 29.7 86.0% 17.6% 18.7% 17.1% Domestic Credit 1 Government Public Sector (GREs) Private Sector1 Business & Industrial Sector Credit 2 Individual 1 Non-Banking Financial Institutions Foreign Credit 3 of which: Loans & Advances to Non-Residents in AED 3.Total Investments by Banks Debt securities Equities Held to maturity securities Other Investments 4. Other Assets Bank Deposits Resident Deposits Government Sector GREs (Govt. ownership of more than 50%) Private Sector Non-Banking Financial Institutions Non-Resident Deposits Average Cost on Bank Deposits4 Average Yield on Credit5 Capital & Reserves6 Specific provisions & Interest in Suspense General provisions Lending to Stable Resources Ratio 7 Eligible Liquid Assets Ratio (ELAR) 8 Capital Adequacy Ratio - ( Tier 1 + Tier 2 ) of which: Tier 1 % % Month -on- Year to Month Date 1453.3 175.4 174.2 1085.1 0.3% 7.3% -2.6% 15.2% 15.9% 35.3% -0.9% -0.9% -0.2% -6.4% 0.1% 4.0% 12.1% 3.8% 0.0% 24.9% 90.5% 1.7% 1.4% 1.7% -7.0% 2.9% 746.8 747.5 0.1% 2.6% 337.3 21.0 127.8 15.2 313.0 207.9 11.8 62.2 31.1 507.7 1632.4 1442.3 246.6 175.0 991.1 29.6 190.1 337.6 18.6 127.4 15.6 311.7 206.8 11.3 62.5 31.1 511.2 1627.3 1435.7 212.0 191.9 1000.7 31.1 191.6 1.3% 0.1% -11.4% -0.3% 2.6% -0.4% -0.5% -4.2% 0.5% 0.0% 0.7% -0.3% -0.5% -14.0% 9.7% 1.0% 5.1% 0.8% 3.5% -2.1% 5.8% 6.8% 7.9% 11.1% -6.6% 3.5% 2.6% 4.3% 4.1% 5.3% 13.5% 14.0% 2.1% 10.3% -3.7% 1.3% -6.9% 1.0% 9.7% -0.4% 4.5% 5.1% 333.3 84.5 29.6 84.8% 17.6% 337.7 78.7 29.9 84.6% 18.2% 18.9% 17.4% * Preliminary data subject to revision. 1 Revised backwards starting Dec 2013 to reflect the effect of accounting adjustments made by banks to set-off the amount of government refinancing against related Housing Mortgage Loans which have been taken off effective August 2017. 2 Includes lending to (Resident): Trade Bills Discounted and Insurance Companies 3 Includes lending to (Non Resident): Loans to Non Banking Financial Institutions, Trade Bills Discounted and Loans & Advances (Government & Public Sector, Private Sector (corporate and Individuals ) in Local and Foreign Currency 4 Weighted average of costs on Demand, Savings & Time Deposits at varying maturities. 5 Weighted average of yield on all types of outstanding credit. 6 Excluding subordinated borrowings/deposits,but including current year profit. The series of data has been revised backward to exclude Instruments such as Perpetual Notes in-order to comply with IMF Guidelines on MFS. 7 The Ratio of the Total Advances (Net Lending + Net Financial Guarantees & Stand -by LC + Interbank Placements more than 3 months) to the sum of ( Net Free Capital Funds + Total Other Stable Resources) 8 ELAR = The Ratio of Total Banks' Eligible Liquid Assets (Consist of Cash in Hand,Liquid Assets at the Central Bank and Eligible Bonds/Sukuks as prescribed by regulation 33/2015 & Basel Principles but excludes interbank positions) to Total Assets** ** Total Assets = Balance Sheet Total Assets - (Capital & Reserves + All Provisions except Staff Benefit Provisions + Refinancing + Subordinated Borrowing/Deposits)