Financial Highlights and Information

		2016	2017	2018	2019	2020	Q1 2021
Financials (AED billion)	Total Income	14.7	15.5	17.4	22.4	23.2	6.2
	Net profit	7.2	8.3	10.0	14.5	7.0	2.3
	Total assets	448	470	500	683	698	695
	Loans (net)	290	304	328	437	444	436
	Deposits	311	327	348	472	464	459
Profitability	Net interest margin	2.51%	2.47%	2.82%	2.89%	2.65%	2.46%
Profitability	Cost-to-income ratio	33.1%	31.3%	32.3%	32.1%	33.8%	30.3%
Credit Quality	NPL ratio	6.4%	6.2%	5.9%	5.6%	6.2%	6.1%
Credit Quality	Coverage ratio	120.1%	124.5%	127.3%	112.3%	117.3%	125.1%
Capital & Liquidity	Capital adequacy ratio	21.2%	21.9%	20.9%	18.5%	18.5%	19.0%
	Tier 1 ratio	18.7%	19.5%	19.8%	17.4%	17.4%	17.9%
	AD ratio	93.4%	93.1%	94.3%	92.6%	95.6%	95.0%