MIRA INFORM REPORT

 

 

Report Date :

21.10.2013

 

IDENTIFICATION DETAILS

 

Name :

EMIRATES ISLAMIC BANK PJSC

 

 

Registered Office :

Essa Al Gurg Building Floor 13  Deira Dubai Festival City Port Saeed P.O.Box 6564  Dubai

 

 

Country :

United Arab Emirates

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

July, 1995

 

 

Legal Form :

Public Subsidiary

 

 

Line of Business :

Subject is engaged in the provision of Sharia-compliant banking solutions

 

 

No. of Employees :

1,045

 

RATING & COMMENTS

 

MIRA’s Rating :

A

 

RATING

STATUS

PROPOSED CREDIT LINE

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

Fairly Large

 

Status :

Good

 

 

Payment Behaviour :

Regular

 

 

Litigation :

Clear

 

NOTES:

Any query related to this report can be made on e-mail: infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March, 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

United Arab Emirates

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

UNITED ARAB EMIRATES - ECONOMIC OVERVIEW

 

The UAE has an open economy with a high per capita income and a sizable annual trade surplus. Successful efforts at economic diversification have reduced the portion of GDP based on oil and gas output to 25%. Since the discovery of oil in the UAE more than 30 years ago, the country has undergone a profound transformation from an impoverished region of small desert principalities to a modern state with a high standard of living. The government has increased spending on job creation and infrastructure expansion and is opening up utilities to greater private sector involvement. In April 2004, the UAE signed a Trade and Investment Framework Agreement with Washington and in November 2004 agreed to undertake negotiations toward a Free Trade Agreement with the US; however, those talks have not moved forward. The country's Free Trade Zones - offering 100% foreign ownership and zero taxes - are helping to attract foreign investors. The global financial crisis, tight international credit, and deflated asset prices constricted the economy in 2009. UAE authorities tried to blunt the crisis by increasing spending and boosting liquidity in the banking sector. The crisis hit Dubai hardest, as it was heavily exposed to depressed real estate prices. Dubai lacked sufficient cash to meet its debt obligations, prompting global concern about its solvency. The UAE Central Bank and Abu Dhabi-based banks bought the largest shares. In December 2009 Dubai received an additional $10 billion loan from the emirate of Abu Dhabi. Dependence on oil, a large expatriate workforce, and growing inflation pressures are significant long-term challenges. The UAE's strategic plan for the next few years focuses on diversification and creating more opportunities for nationals through improved education and increased private sector employment.

 

Source : CIA

 


Company name and address

 

EMIRATES ISLAMIC BANK PJSC                     

 

Essa Al Gurg Building Floor 13

Deira Dubai Festival City Port Saeed

P.O.Box 6564

Dubai,

United Arab Emirates

 

 

Tel:

971-4-2287474

Fax:

971-4-2227321

 

www.emiratesislamicbank.ae

 

Employees:

1,045

Company Type:

Public Subsidiary

Corporate Family:

28 Companies

Ultimate Parent:

Government Of Dubai

Traded:

Dubai Stock Exchange:

EIB

Incorporation Date:

Jul-1995

Auditor:

KPMG LLP

Financials in:

USD (In Millions)

Fiscal Year End:

31-Dec-2012

Reporting Currency:

UAE Dirham

Annual Sales:

NA

Net Income:

22.1

Total Assets:

10,145.6  2

                                         

 

Business Description          

 

 

Emirates Islamic Bank PJSC (EIB) is a United Arab Emirates-based bank engaged in the provision of Sharia-compliant banking solutions through 49 branches across the United Arab Emirates. The Bank’s activities are structured into three segments: Corporate and Investment, Retail, and Treasury. The Corporate and Investment segment provides to corporate customers a range of products and services and accepts their deposits, and invests in investment securities, Sukuk, Funds and Real Estate. The Retail segment provides a range of products and services to individuals, and accepts their deposits. The Treasury segment includes Murabaha deals with the Bank’s parent Company, Emirates NBD PJSC. The Bank’s subsidiaries include Emirates Islamic Financial Brokerage Co. LLC and Ithmar Real Estate Development Co. PSC. For the six months ended 30 June 2013, Emirates Islamic Bank PJSC interest income increased 46% to AED929.6M. Net interest income after loan loss provision increased from AED149.1M to AED408.8M. Net income totaled AED111.1M vs. loss of AED34M. Net interest income after loan loss provision reflects Financing & Investments increase of 62% to AED564.6M, ST Murabaha - Group Holding Company increase of 29% to AED161.4M.

 

 

Industry            

 

 

Industry

Banking

ANZSIC 2006:

6221 - Banking

ISIC Rev 4:

6419 - Other monetary intermediation

NACE Rev 2:

6419 - Other monetary intermediation

NAICS 2012:

52211 - Commercial Banking

UK SIC 2007:

64191 - Banks

US SIC 1987:

6029 - Commercial Banks, Not Elsewhere Classified

 

 

 

Key Executives

 

Name

Title

Faisal Aqil

Deputy Chief Executive Officer, Consumer Wealth Management

Philip John

Head of Treasury and Markets

Zubair Ahmed

Head of Information Technology

Zaki Siddiqui

Head of Audit

Phil Hobbs

Head of Human Resources

 

 

Significant Developments

 

Topic

#*

Most Recent Headline

Date

Other Accounting

1

Emirates Islamic Bank PJSC Appoints New External Auditors of FY 2013

6-Mar-2013

Equity Financing / Related

2

Emirates Islamic Bank PJSC Announces Details of its Capital Increase through AED 1.5 Billion New Rights Share Issuance

9-Jan-2013

Debt Financing / Related

1

Emirates Islamic Bank PJSC To Issue AED 1.5 Billion New Rights Share

27-Nov-2012

 

* number of significant developments within the last 12 months             

 

 

 

 

 

 

 

News

 

Title

Date

Yakub Bobat is now at Emirates Islamic Bank PJSC
LexisNexis (29 Words)

24-Jul-2013

UAE bank cash jumps as deposits outpace lending
Business Intelligence Middle East (861 Words)

26-Jun-2013

U.A.E. Bank Cash Jumps as Deposits Outpace Lending
Times of Oman (958 Words)

26-Jun-2013

U.A.E. Bank Cash Jumps as Deposits Outpace Lending
Times of Oman (Muscat, Oman) (987 Words)

26-Jun-2013

Emirates NBD Rises to Year-High on Dividend Bets: Dubai Mover
La Repubblica (287 Words)

28-Jan-2013

Emirates NBD Rallies High on Higher Dividend Bets: Dubai Mover
BusinessWeek (303 Words)

28-Jan-2013

 

 

Financial Summary

 

As of 30-Jun-2013

 

Key Ratios

Company

Industry

Debt to Equity (MRQ)

0.89

 

Sales 5 Year Growth

6.92

11.33

Net Profit Margin (TTM) %

18.60

42.82

Return on Assets (TTM) %

0.68

5.01

Return on Equity (TTM) %

6.90

3.28

 

 

Stock Snapshot

 

Traded: Dubai Stock Exchange: EIB

As of 31-Dec-2012

   Financials in: AED

Price % Change

Rel S&P 500%

 

1 - Profit & Loss Item Exchange Rate: USD 1 = AED 3.673069
2 - Balance Sheet Item Exchange Rate: USD 1 = AED 3.6729

 

 

Corporate Overview

 

Location
Essa Al Gurg Building Floor 13
Deira Dubai Festival City Port Saeed
P.O.Box 6564
Dubai, United Arab Emirates

 

Tel:

971-4-2287474

Fax:

971-4-2227321

 

www.emiratesislamicbank.ae

Quote Symbol - Exchange

EIB - Dubai Stock Exchange

Sales AED(mil):

NA

Assets AED(mil):

37,263.8

Employees:

1,045

Fiscal Year End:

31-Dec-2012

 

Industry:

Commercial Banks

Incorporation Date:

Jul-1995

Company Type:

Public Subsidiary

Quoted Status:

Quoted

Previous Name:

Middle East Bank PJSC - Dubai

 

Deputy Chief Executive Officer, Wholesale Banking:

Abdullah Abdul Karim Showaiter

 

 

 

Industry Codes

 

ANZSIC 2006 Codes:

6221

-

Banking

6419

-

Other Auxiliary Finance and Investment Services

 

ISIC Rev 4 Codes:

6419

-

Other monetary intermediation

6619

-

Other activities auxiliary to financial service activities

 

NACE Rev 2 Codes:

6419

-

Other monetary intermediation

6619

-

Other activities auxiliary to financial services, except insurance and pension funding

 

NAICS 2012 Codes:

52211

-

Commercial Banking

523930

-

Investment Advice

 

US SIC 1987:

6029

-

Commercial Banks, Not Elsewhere Classified

6282

-

Investment Advice

 

UK SIC 2007:

64191

-

Banks

6619

-

Other activities auxiliary to financial services, except insurance and pension funding

 

 

Business Description

 

Emirates Islamic Bank PJSC (EIB) is a United Arab Emirates-based bank engaged in the provision of Sharia-compliant banking solutions through 49 branches across the United Arab Emirates. The Bank’s activities are structured into three segments: Corporate and Investment, Retail, and Treasury. The Corporate and Investment segment provides to corporate customers a range of products and services and accepts their deposits, and invests in investment securities, Sukuk, Funds and Real Estate. The Retail segment provides a range of products and services to individuals, and accepts their deposits. The Treasury segment includes Murabaha deals with the Bank’s parent Company, Emirates NBD PJSC. The Bank’s subsidiaries include Emirates Islamic Financial Brokerage Co. LLC and Ithmar Real Estate Development Co. PSC. For the six months ended 30 June 2013, Emirates Islamic Bank PJSC interest income increased 46% to AED929.6M. Net interest income after loan loss provision increased from AED149.1M to AED408.8M. Net income totaled AED111.1M vs. loss of AED34M. Net interest income after loan loss provision reflects Financing & Investments increase of 62% to AED564.6M, ST Murabaha - Group Holding Company increase of 29% to AED161.4M.

 

 

More Business Descriptions

Provision of personal, business and corporate banking services conforming to the principles of Islamic law (Sharia)

Banking Solutions

Commercial Banking

 

 

Financial Data

 

Financials in:

AED(mil)

 

Net Income:

81.2

Assets:

37,263.8

Long Term Debt:

3,673.0

 

Total Liabilities:

34,685.0

 

 

 

Date of Financial Data:

31-Dec-2012

 

1 Year Growth

NA

NA

 

 

Subsidiaries

 

Company

Percentage Owned

Country

Emirates Islamic Financial Brokerage Co LLC

100%

UNITED ARAB EMIRATES

 

 

Key Corporate Relationships

 

Auditor:

KPMG LLP

 

Auditor:

KPMG LLP, KPMG

 

 

Corporate Family      

 

Corporate Structure News:

 

Total Corporate Family Members: 28

 

 

Company Name

Company Type

Location

Country

Industry

Sales
(USD mil)

Employees

Government Of Dubai

Parent

 

 

 

 

 

Emirates NBD PJSC

Subsidiary

Dubai

United Arab Emirates

Banking

 

6,922

Emirates Bank International PJSC

Subsidiary

Dubai

United Arab Emirates

Banking

 

1,700

Union Properties PJSC

Subsidiary

Dubai

United Arab Emirates

Residential Real Estate Leasing

447.1

9,110

Edara LLC

Subsidiary

Dubai

United Arab Emirates

Consulting Services

 

100

Network International LLC

Subsidiary

Dubai

United Arab Emirates

Miscellaneous Professional Services

 

 

Timesofmoney Limited

Subsidiary

Mumbai, Maharashtra

India

Wired Telecommunications Carriers

19.4

 

Emirates Investment Services Ltd

Subsidiary

Riyadh

Saudi Arabia

Securities

 

 

National Bank of Dubai PJSC

Subsidiary

Dubai

United Arab Emirates

Banking

 

1,540

Emirates Islamic Bank PJSC

Subsidiary

Dubai

United Arab Emirates

Banking

 

1,045

Emirates Islamic Financial Brokerage Co LLC

Subsidiary

Dubai

United Arab Emirates

Securities

 

 

Emirates NBD Asset Management Ltd

Subsidiary

Dubai

United Arab Emirates

Consulting Services

 

50

Emirates NBD Asset Management Limited

Subsidiary

Dubai

United Arab Emirates

Securities

 

 

DINERS CLUB UAE LLC

Subsidiary

Dubai

United Arab Emirates

Banking

 

 

E.T.F.S L.L.C.

Subsidiary

Dubai

United Arab Emirates

Securities

 

 

Emirates NBD Trust Company (Jersey) Limited

Subsidiary

Saint Helier

 

Securities

 

 

Emirates NBD Capital KSA LLC

Subsidiary

Riyadh

Saudi Arabia

Securities

 

 

Emirates NBD Fund Managers (Jersey) Limited

Subsidiary

Saint Helier

 

Investment Services

 

 

Emirates NBD Capital Ltd.

Subsidiary

Dubai

United Arab Emirates

Securities

 

 

Emirates NBD Securities LLC

Subsidiary

Dubai

United Arab Emirates

Securities

 

 

Dubai National Air Travel Agency

Subsidiary

Rashidiya, Dubai

United Arab Emirates

Airlines

 

6,200

Investment Corporation of Dubai

Subsidiary

Dubai

United Arab Emirates

Investment Services

 

 

Emirates Airlines

Subsidiary

Abu Dhabi

United Arab Emirates

Airlines

19,905.3

 

Emirates

Subsidiary

Roma, Roma

Italy

Airlines

 

127

Emirates

Branch

Central District, Hong Kong

Hong Kong

Airlines

 

60

Borse Dubai Ltd

Subsidiary

Dubai

United Arab Emirates

Exchanges

 

 

NASDAQ Dubai Ltd

Holding

Dubai

United Arab Emirates

Exchanges

 

50

Dubai Financial Market PJSC

Holding

Dubai

United Arab Emirates

Exchanges

40.8

 

 

 

 

 

Executives Report

 

Board of Directors

 

Name

Title

Function

Abdul Sattar Abu Guddah

 

Chairman of the Shariah Supervisory Board

Chairman

Hisham Abdullah Al Qassim

 

Chairman of the Board

Chairman

Buti Obaid Buti Al Mulla

 

Vice Chairman of the Board

Vice-Chairman

Age: 46

Education:

Newberry College

Buti Obaid Buti Al Mulla

 

Vice Chairman

Vice-Chairman

 

Mohammed Hadi Ahmad Abdullah Al Hussaini

 

Member of the Board

Director/Board Member

 

Ali Bin Humaid Ali Al Owais

 

Member of the Board

Director/Board Member

 

Mohammed Hamad Obaid Khamis Al Shehi

 

Member of the Board

Director/Board Member

 

Age: 46

Education:

Zayed University, MBA
Al Ain University, BA (Accounting)

Mohammed Abdul Rahman Sultan Al Ulama

 

Member of the Shariah Supervisory Board

Director/Board Member

 

Abdulla Sultan Mohamed Alowais

 

Director

Director/Board Member

 

Hussain Hamid Hassan

 

Member of the Shariah Supervisory Board

Director/Board Member

 

Shoaib Mirhashim Khoory

 

Director

Director/Board Member

 

Shoaib Mir Hashem Khoury

 

Member of the Board

Director/Board Member

 

Richard Anthony Punder

 

Member of the Board

Director/Board Member

 

 

Executives

 

Name

Title

Function

Faisal Aqil

 

Deputy Chief Executive Officer, Consumer Wealth Management

Chief Executive Officer

Jamal Said Bin Ghalaita

 

Chief Executive Officer

Chief Executive Officer

Biography:

Mr. Jamal Said Bin Ghalaita was appointed as Chief Executive Officer of Emirates Islamic Bank PJSC, on September 22, 2011. Before this appointment, Mr. Bin Ghalaita held the position of Group Deputy Chief Executive Officer for Consumer Wealth Management at Emirates NBD.

Education:

University of Arizona, BS (Business Administration)

Abdullah Abdul Karim Showaiter

 

Deputy Chief Executive Officer, Wholesale Banking

Chief Executive Officer

 

Wael Ibrahim

 

General Manager Corporate Center & Transformation

Division Head Executive

 

Ahmad Fayez Al Shamsi

 

CFO

Finance Executive

 

Mohamed Radwan

 

Head of Finance

Finance Executive

 

Zaki Siddiqui

 

Head of Audit

Accounting Executive

 

Philip John

 

Head of Treasury and Markets

Treasurer

 

Abdul Aziz Qazi

 

Head of Internal Control

Controller

 

Phil Hobbs

 

Head of Human Resources

Human Resources Executive

 

Zubair Ahmed

 

Head of Information Technology

Information Executive

 

Zahid Rashid

 

Head Risk

Insurance Executive

 

Yakub Bobat

 

Head, Corporate Banking

Key Banking Contact

 

Hameed Noor Mohamed

 

Head of Business Banking

Key Banking Contact

 

Abdul Salam Kilani

 

Head of Sharia

Other

 

 

 

Significant Developments

 

Emirates Islamic Bank PJSC Appoints New External Auditors of FY 2013

Mar 06, 2013


Emirates Islamic Bank announced that it has appointed M/s. Ernst & Young as the Company's new external auditors for the fiscal year 2013.

Emirates Islamic Bank PJSC Announces Details of its Capital Increase through AED 1.5 Billion New Rights Share Issuance

Jan 09, 2013


Emirates Islamic Bank PJSC announced that the shareholders at the Extraordinary General Meeting have approved to increase the capital from AED 2,430,421,875 billion to AED 3,930,421,875 billion by issuing 1.5 billion shares at price of AED 1 each. The new shares will be eligible as priority to the current shareholders which their name mentioned in the shares as of January 15, 2013. The period of the subscription in the new shares starts from January 25 until February 3, 2013.

Emirates Islamic Bank PJSC Approves Capital Increase through AED 1.5 Billion New Rights Share Issuance

Dec 19, 2012


Emirates Islamic Bank PJSC announced that the shareholders at the Extraordinary General Meeting have approved to increase the capital from AED 2.4 billion to AED 3.9 billion by issuing 1.5 billion shares of AED 1 each.

Emirates Islamic Bank PJSC To Issue AED 1.5 Billion New Rights Share

Nov 27, 2012


Emirates Islamic Bank PJSC announced that it has announced that its Board of Directors has recommended to the Extraordinary General Meeting of the Bank to discuss rights share issue of 1,500,000,000 share of AED 1 each.

 

News

 

Yakub Bobat is now at Emirates Islamic Bank PJSC
LexisNexis (29 Words)

24-Jul-2013

UAE bank cash jumps as deposits outpace lending
Business Intelligence Middle East (861 Words)

26-Jun-2013

U.A.E. Bank Cash Jumps as Deposits Outpace Lending
Times of Oman (958 Words)

26-Jun-2013

U.A.E. Bank Cash Jumps as Deposits Outpace Lending
Times of Oman (Muscat, Oman) (987 Words)

26-Jun-2013

Emirates NBD Rises to Year-High on Dividend Bets: Dubai Mover
La Repubblica (287 Words)

28-Jan-2013

Emirates NBD Rallies High on Higher Dividend Bets: Dubai Mover
BusinessWeek (303 Words)

28-Jan-2013

Cars to Mom and Pop Shop Loans Drive Dubai Bank: Islamic Finance
Sukuk.me (184 Words)

17-Jan-2013

Emirates NBD Soars Most Since 2011 on Unit Outlook: Dubai Mover
BusinessWeek (397 Words)

16-Jan-2013

Cars to Mom and Pop Shop Loans Drive Dubai Bank
BusinessWeek (880 Words)

16-Jan-2013

Cars to Mom and Pop Shop Loans Drive Dubai Bank: Islamic Finance
Bloomberg (848 Words)

16-Jan-2013

MSM Index drops again
Times of Oman (579 Words)

16-Jan-2013

 

 

Annual Income Statement

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

 

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

 

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

 

Filed Currency

AED

AED

AED

AED

AED

 

Exchange Rate (Period Average)

3.673069

3.672958

3.672899

3.672903

3.672848

 

Auditor

KPMG LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG LLP

 

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

 

 

    Other Interest Income

276.7

265.8

336.0

371.8

361.2

 

    Other Non-Bank Income

14.0

-14.0

19.6

8.5

25.4

 

    Trading Account Interest

75.1

65.5

94.0

33.1

21.6

 

Interest Income, Bank

365.8

317.4

449.7

413.4

408.2

 

    Interest on Deposit

102.6

109.2

181.3

166.6

172.7

 

Total Interest Expense

102.6

109.2

181.3

166.6

172.7

 

Net Interest Income

263.2

208.2

268.4

246.8

235.5

 

 

 

 

 

 

 

 

Loan Loss Provision

124.3

213.3

144.4

101.8

18.6

 

Net Interest Income after Loan Loss Provision

138.9

-5.0

123.9

145.0

216.9

 

 

 

 

 

 

 

 

    Labor & Related Expenses

-74.5

-80.6

-73.2

-

-

 

    Depreciation Expense

-4.9

-5.9

-11.5

-9.1

-7.3

 

    Other Expense

-37.4

-30.6

-23.0

-100.5

-100.5

 

Non-Interest Expense, Bank

-116.8

-117.1

-107.8

-109.6

-107.9

 

Income Before Tax

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

 

 

Total Income Tax

0.0

0.0

0.0

0.0

0.0

 

Income After Tax

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

 

 

    Minority Interest

0.0

12.8

0.5

0.1

0.0

 

Net Income Before Extraord Items

22.1

-109.3

16.7

35.6

109.1

 

Net Income

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

 

 

Income Available to Common Excl Extraord Items

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

 

 

Income Available to Common Incl Extraord Items

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

 

 

Basic/Primary Weighted Average Shares

2,430.4

2,430.4

2,430.4

1,852.9

1,275.4

 

Basic EPS Excl Extraord Items

0.01

-0.04

0.01

0.02

0.09

 

Basic/Primary EPS Incl Extraord Items

0.01

-0.04

0.01

0.02

0.09

 

Dilution Adjustment

-

0.0

-

-

-

 

Diluted Net Income

22.1

-109.3

16.7

35.6

109.1

 

Diluted Weighted Average Shares

2,430.4

2,430.4

2,430.4

1,852.9

1,275.4

 

Diluted EPS Excl Extraord Items

0.01

-0.04

0.01

0.02

0.09

 

Diluted EPS Incl Extraord Items

0.01

-0.04

0.01

0.02

0.09

 

Dividends per Share - Common Stock Primary Issue

-

0.00

0.00

0.00

0.00

 

Gross Dividends - Common Stock

-

0.0

0.0

0.0

0.0

 

Depreciation, Supplemental

12.3

12.8

11.5

9.1

7.3

 

Normalized Income Before Tax

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

 

 

Inc Tax Ex Impact of Sp Items

0.0

0.0

0.0

0.0

0.0

 

Normalized Income After Tax

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

 

 

Normalized Inc. Avail to Com.

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

 

 

Basic Normalized EPS

0.01

-0.04

0.01

0.02

0.09

 

Diluted Normalized EPS

0.01

-0.04

0.01

0.02

0.09

 

 

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

UpdateType/Date

Updated Normal
31-Dec-2012

Restated Normal
31-Dec-2012

Updated Normal
31-Dec-2010

Updated Normal
31-Dec-2009

Reclassified Normal
31-Dec-2009

Filed Currency

AED

AED

AED

AED

AED

Exchange Rate

3.6729

3.67305

3.6731

3.67315

3.67305

Auditor

KPMG LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Cash & Due from Banks

3,519.6

1,654.7

324.1

350.9

455.0

    Total Investment Securities

-

-

127.4

273.5

234.0

    Other Earning Assets

304.7

302.6

3,599.7

575.9

338.6

    Customer Acceptances

34.0

24.5

-

-

-

Other Earning Assets, Total

338.7

327.1

3,727.1

849.4

572.6

    Total Gross Loans

6,426.3

4,061.8

4,205.7

4,694.8

4,916.1

    Loan Loss Allowances

-672.0

-368.0

-223.9

-146.8

-54.8

    Unearned Income

-356.5

-163.0

-

-

-

Net Loans

6,190.4

4,129.2

4,755.0

5,577.2

5,983.0

        Buildings

19.7

19.6

19.1

16.9

12.9

        Land/Improvements

13.8

13.8

12.6

-

-

        Machinery/Equipment

22.5

10.0

9.3

16.8

13.9

        Other Property/Plant/Equipment

22.2

16.9

15.3

6.6

4.0

    Property/Plant/Equipment - Gross

78.2

60.3

56.3

40.2

30.8

    Accumulated Depreciation

-48.6

-33.4

-27.8

-21.7

-15.3

Property/Plant/Equipment - Net

29.6

26.9

28.5

18.5

15.4

    Other Assets

67.3

53.2

80.5

89.1

161.5

Other Assets, Total

67.3

53.2

80.5

89.1

161.5

Total Assets

10,145.6

6,191.1

8,915.2

6,885.0

7,187.6

 

 

 

 

 

 

Accounts Payable

294.6

294.5

294.5

294.5

550.5

    Interest Bearing Deposits

6,989.9

4,662.4

6,594.7

5,286.5

5,331.4

    Other Deposits

823.3

365.9

1,010.6

328.7

571.7

Total Deposits

7,813.2

5,028.3

7,605.3

5,615.2

5,903.1

    Other Bearing Liabilities

289.0

168.8

215.3

189.5

273.5

Other Bearing Liabilities, Total

289.0

168.8

215.3

189.5

273.5

    Income Taxes Payable

0.9

0.3

3.2

3.6

4.7

Other Current liabilities, Total

0.9

0.3

3.2

3.6

4.7

    Long Term Debt

1,000.0

0.0

-

-

-

Total Long Term Debt

1,000.0

0.0

0.0

0.0

0.0

Total Debt

1,000.0

0.0

0.0

0.0

0.0

 

 

 

 

 

 

Minority Interest

11.8

11.8

24.6

25.1

25.3

    Other Liabilities

34.0

24.5

-

-

-

Other Liabilities, Total

34.0

24.5

-

-

-

Total Liabilities

9,443.5

5,528.2

8,142.9

6,128.0

6,757.1

 

 

 

 

 

 

    Common Stock

661.7

661.7

661.7

630.2

254.4

Common Stock

661.7

661.7

661.7

630.2

254.4

Retained Earnings (Accumulated Deficit)

40.4

1.2

110.6

126.8

176.1

Total Equity

702.1

662.9

772.3

757.0

430.5

 

 

 

 

 

 

Total Liabilities & Shareholders’ Equity

10,145.6

6,191.1

8,915.2

6,885.0

7,187.6

 

 

 

 

 

 

    Shares Outstanding - Common Stock Primary Issue

2,430.4

2,430.4

2,430.4

2,430.4

1,275.4

Total Common Shares Outstanding

2,430.4

2,430.4

2,430.4

2,430.4

1,275.4

Employees

-

-

1,097

1,153

1,281

Total Risk-Weighted Capital

8.6

5.7

5.9

6.1

6.3

Total Capital %

12.24%

18.30%

18.00%

17.14%

10.83%

Total Operating Leases, Supplemental

4.3

6.7

9.0

-

-

Operating Lease Payments Due in Year 1

3.4

4.4

4.8

-

-

Operating Lease Payments Due in Year 2

0.2

0.6

1.1

-

-

Operating Lease Payments Due in Year 3

0.2

0.6

1.1

-

-

Operating Lease Payments Due in Year 4

0.2

0.6

1.1

-

-

Operating Lease Payments Due in Year 5

0.2

0.6

1.1

-

-

Operating Lease Pymts. Due in 2-3 Years

0.4

1.1

2.1

-

-

Operating Lease Pymts. Due in 4-5 Years

0.4

1.1

2.1

-

-

Oper. Lse. Pymts. Due in Year 6 & Beyond

0.0

0.0

0.0

-

-

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Restated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Filed Currency

AED

AED

AED

AED

AED

Exchange Rate (Period Average)

3.673069

3.672958

3.672899

3.672903

3.672848

Auditor

KPMG LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG Peat Marwick LLP

KPMG LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Net Income/Starting Line

22.1

-109.3

16.2

35.6

109.1

    Depreciation

4.9

5.9

6.9

6.4

5.1

Depreciation/Depletion

4.9

5.9

6.9

6.4

5.1

    Unusual Items

-1.8

-0.9

-18.6

0.0

-6.1

    Other Non-Cash Items

110.2

194.5

111.7

96.0

-0.1

Non-Cash Items

108.5

193.5

93.1

96.0

-6.2

    Loan Loss Provision

13.4

14.8

29.4

-2.6

7.5

    Other Assets

-3,772.4

1,817.5

497.8

283.9

-1,903.6

    Other Liabilities

585.6

-1,583.0

712.6

-301.6

57.1

    Other Operating Cash Flow

2,131.5

-1,945.0

949.0

-275.4

2,558.1

    Investment Securities, Gains/Losses

5.4

27.2

8.8

30.7

24.8

Changes in Working Capital

-1,036.5

-1,668.5

2,197.5

-265.2

743.9

Cash from Operating Activities

-901.0

-1,578.4

2,313.6

-127.2

851.8

 

 

 

 

 

 

    Purchase of Fixed Assets

-7.6

-4.4

-4.3

-9.5

-6.9

Capital Expenditures

-7.6

-4.4

-4.3

-9.5

-6.9

    Sale/Maturity of Investment

7.8

7.0

72.9

8.4

12.7

    Investment, Net

-201.2

126.9

156.9

64.6

-410.6

    Purchase of Investments

-

-

-

-39.5

-157.5

    Other Investing Cash Flow

-8.9

-1.0

-5.7

-23.1

-

Other Investing Cash Flow Items, Total

-202.2

132.9

224.1

10.5

-555.4

Cash from Investing Activities

-209.8

128.5

219.9

1.0

-562.3

 

 

 

 

 

 

    Other Financing Cash Flow

0.0

-12.8

-

-0.1

374.3

Financing Cash Flow Items

0.0

-12.8

-

-0.1

374.3

    Sale/Issuance of Common/Preferred

-

-

-

299.5

0.0

Issuance (Retirement) of Stock, Net

-

-

-

299.5

0.0

        Long Term Debt Issued

1,000.0

0.0

-

-

-

    Long Term Debt, Net

1,000.0

0.0

-

-

-

Issuance (Retirement) of Debt, Net

1,000.0

0.0

-

-

-

Cash from Financing Activities

1,000.0

-12.8

-

299.3

374.3

 

 

 

 

 

 

Net Change in Cash

-110.8

-1,462.6

2,533.5

173.1

663.8

 

 

 

 

 

 

Net Cash - Beginning Balance

547.1

2,009.8

1,614.4

1,441.2

777.4

Net Cash - Ending Balance

436.3

547.2

4,147.8

1,614.4

1,441.2

Cash Taxes Paid

0.3

3.2

3.6

4.7

3.7

 

 

Annual Income Statement

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Filed Currency

AED

AED

AED

AED

AED

Exchange Rate (Period Average)

3.673069

3.672958

3.672899

3.672903

3.672848

Auditor

KPMG LLP

KPMG LLP

KPMG Peat Marwick LLP

KPMG LLP

KPMG LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Income from Finan. & Investing Activi

207.1

190.6

250.5

286.9

243.4

    Gain - Invest. (Fair Value Through P&L)

13.6

-12.4

13.4

3.3

19.7

    Income from Short Term Murabaha

75.1

65.5

94.0

33.1

21.6

    Property Related Income

0.4

-1.6

6.3

5.2

5.6

    Commissions, Fees & Other Income

63.1

64.8

63.5

55.6

85.5

    Other Income

6.4

10.5

22.0

29.3

32.3

Total Revenue

365.8

317.4

449.7

413.4

408.2

 

 

 

 

 

 

    Depositors' Share of Profit

102.6

109.2

181.3

166.6

172.7

    Impairment

124.3

213.3

144.4

101.8

18.6

Total Operating Expense

226.9

322.4

325.7

268.4

191.3

 

 

 

 

 

 

    General & Administrative Expenses

-37.4

-30.6

-23.0

-100.5

-100.5

    Depreciation General & Admin

-4.9

-5.9

-6.9

-6.4

-5.1

    Labor Expenses

-74.5

-80.6

-73.2

-

-

    Provisions for Depreciation

-

-

-4.7

-2.7

-2.2

Total Non-Interest Expense

-116.8

-117.1

-107.8

-109.6

-107.9

 

 

 

 

 

 

Net Income Before Taxes

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

Provision for Income Taxes

0.0

0.0

0.0

0.0

0.0

Net Income After Taxes

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

    Minority Interest

0.0

12.8

0.5

0.1

0.0

Net Income Before Extra. Items

22.1

-109.3

16.7

35.6

109.1

Net Income

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

Income Available to Com Excl ExtraOrd

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

Income Available to Com Incl ExtraOrd

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

Basic Weighted Average Shares

2,430.4

2,430.4

2,430.4

1,852.9

1,275.4

Basic EPS Excluding ExtraOrdinary Items

0.01

-0.04

0.01

0.02

0.09

Basic EPS Including ExtraOrdinary Items

0.01

-0.04

0.01

0.02

0.09

Dilution Adjustment

-

0.0

-

-

-

Diluted Net Income

22.1

-109.3

16.7

35.6

109.1

Diluted Weighted Average Shares

2,430.4

2,430.4

2,430.4

1,852.9

1,275.4

Diluted EPS Excluding ExtraOrd Items

0.01

-0.04

0.01

0.02

0.09

Diluted EPS Including ExtraOrd Items

0.01

-0.04

0.01

0.02

0.09

DPS-Ordinary Shares

-

0.00

0.00

0.00

0.00

Gross Dividends - Common Stock

-

0.0

0.0

0.0

0.0

Normalized Income Before Taxes

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

Inc Tax Ex Impact of Sp Items

0.0

0.0

0.0

0.0

0.0

Normalized Income After Taxes

22.1

-122.1

16.2

35.5

109.0

 

 

 

 

 

 

Normalized Inc. Avail to Com.

22.1

-109.3

16.7

35.6

109.1

 

 

 

 

 

 

Basic Normalized EPS

0.01

-0.04

0.01

0.02

0.09

Diluted Normalized EPS

0.01

-0.04

0.01

0.02

0.09

Depreciation

12.3

12.8

11.5

9.1

7.3

 

 

Annual Balance Sheet

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

UpdateType/Date

Updated Normal
31-Dec-2012

Restated Normal
31-Dec-2012

Updated Normal
31-Dec-2010

Updated Normal
31-Dec-2009

Reclassified Normal
31-Dec-2009

Filed Currency

AED

AED

AED

AED

AED

Exchange Rate

3.6729

3.67305

3.6731

3.67315

3.67305

Auditor

KPMG LLP

KPMG LLP

KPMG Peat Marwick LLP

KPMG LLP

KPMG LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

    Cash & Balances wtith CB

-

-

-

316.2

447.6

    Cash in Hand

38.0

31.2

24.0

-

-

    Current Accounts

28.4

10.1

6.7

-

-

    Reserve Requirments

479.5

284.1

274.6

-

-

    Due from Banks & Other Fin. Inst.

2,973.7

1,329.3

18.7

34.6

7.5

    Due from Group Holding Company

-

-

3,368.3

451.0

231.4

    Financing Receivables, Gross

6,426.3

4,061.8

4,205.7

4,694.8

4,916.1

    Deferred Income

-356.5

-163.0

-

-

-

    Allowance for Impairment

-672.0

-368.0

-223.9

-146.8

-54.8

    Investment Sec - Fair Value

792.7

598.3

773.2

1,029.1

1,121.8

    Investment Properties

304.7

302.6

231.4

124.9

107.2

    Customer Acceptances

34.0

24.5

-

-

-

    Investment Properties Under Development

-

-

127.4

273.5

234.0

    Freehold Land

13.8

13.8

12.6

-

-

    Leasehold Improvments

19.7

19.6

19.1

16.9

12.9

    Furniture

12.1

4.2

3.9

3.7

2.7

    Equipment

9.7

5.5

5.1

4.8

4.0

    Vehicles

0.6

0.4

0.3

0.3

0.3

    Computer Hardware&Software

14.5

11.2

8.7

-

-

    Computers

-

-

-

8.0

6.9

    Computer Softwares

-

-

-

0.5

0.4

    Fixed Assets Under Construction

7.7

5.7

6.5

6.1

3.5

    Depreciation

-48.6

-33.4

-27.8

-21.7

-15.3

    Prepayments&Other Assets

67.3

53.2

80.5

89.1

161.5

Total Assets

10,145.6

6,191.1

8,915.2

6,885.0

7,187.6

 

 

 

 

 

 

    Customer Deposits

6,989.9

4,662.4

6,594.7

5,286.5

5,331.4

    Due to Banks & Other Fin. Inst.

823.3

365.9

1,010.6

328.7

571.7

    Due to Group Holding Company

294.6

294.5

294.5

294.5

550.5

    Customer Acceptances

34.0

24.5

-

-

-

    Other Liabilities

289.0

168.8

215.3

189.5

273.5

    Zakat (Islamic Tax) Payable

0.9

0.3

3.2

3.6

4.7

    Sukuk Payables

1,000.0

0.0

-

-

-

Total Long Term Debt

1,000.0

0.0

-

-

-

 

 

 

 

 

 

    Minority Interest

11.8

11.8

24.6

25.1

25.3

Total Liabilities

9,443.5

5,528.2

8,142.9

6,128.0

6,757.1

 

 

 

 

 

 

    Share Capital

661.7

661.7

661.7

630.2

254.4

    Statutory Reserves

58.5

56.3

56.3

54.7

51.1

    General Reserves

32.9

30.7

30.7

29.0

25.4

    Fair Value Reserve

18.1

0.1

0.0

-1.8

3.2

    Retained Earnings

-69.2

-86.0

23.6

45.0

96.4

Total Equity

702.1

662.9

772.3

757.0

430.5

 

 

 

 

 

 

Total Liabilities & Shareholders' Equity

10,145.6

6,191.1

8,915.2

6,885.0

7,187.6

 

 

 

 

 

 

    S/O-Ordinary Shares

2,430.4

2,430.4

2,430.4

2,430.4

1,275.4

Total Common Shares Outstanding

2,430.4

2,430.4

2,430.4

2,430.4

1,275.4

Risk Weighted Assets

8,603.3

5,686.7

5,928.2

6,134.7

6,335.1

Capital Adequacy Ratio

12.24%

18.30%

18.00%

17.14%

10.83%

Full-Time Employees

-

-

1,097

1,153

1,281

Operating Leases within 1Year

3.4

4.4

4.8

-

-

Operating Leases in 1-5 Years

0.9

2.3

4.2

-

-

Operating Leases More Than 5 Yrs.

-

-

0.0

-

-

Total Operating Leases, Supplemental

4.3

6.7

9.0

-

-

 

 

Annual Cash Flows

 

Financials in: USD (mil)

 

 

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Period Length

12 Months

12 Months

12 Months

12 Months

12 Months

UpdateType/Date

Updated Normal
31-Dec-2012

Restated Normal
31-Dec-2012

Reclassified Normal
31-Dec-2011

Reclassified Normal
31-Dec-2010

Reclassified Normal
31-Dec-2009

Filed Currency

AED

AED

AED

AED

AED

Exchange Rate (Period Average)

3.673069

3.672958

3.672899

3.672903

3.672848

Auditor

KPMG LLP

KPMG LLP

KPMG Peat Marwick LLP

KPMG LLP

KPMG LLP

Auditor Opinion

Unqualified

Unqualified

Unqualified

Unqualified

Unqualified

 

 

 

 

 

 

Net Income

22.1

-109.3

16.2

35.6

109.1

    Depreciation

4.9

5.9

6.9

6.4

5.1

    Dep. Invest Properties

7.4

6.8

4.7

2.7

2.2

    Prov. Loans & Advances

13.4

14.8

29.4

-2.6

7.5

    Prov. Finance Rec. & Investments

110.9

144.1

77.1

101.4

11.0

    Prov. for Decline in Assets Value

-

-

-

0.2

0.0

    Dividend Income

-0.7

-4.0

-3.4

-8.4

-11.2

    Gain on Sale of Invest.

-1.8

-0.9

-5.0

0.0

-5.9

    Sale of Invest. Properties

-

-

-1.0

0.0

-0.2

    Revaluation of Invest. Securities

5.4

27.2

8.8

30.7

24.8

    Allow. for Impair. on Inv. Properties

0.0

54.4

37.9

2.8

-

    Allow. for Impair of Inv. Prop. under Dv

-

-

-

0.0

-

    Inc in Balances with U.A.E CB

-195.4

-9.4

-17.0

39.1

-90.3

    Due from Banks

-1,780.7

1,503.2

-

-

-

    Financing Receivables

-1,977.6

307.0

-

-

-

    Due from Group Holding Company

-

-

-340.5

-4.1

559.7

    Gain on Recog. of Donated Land

-

-

-12.6

0.0

-

    Finance Rec. & Investments

-

-

489.2

211.6

-1,899.5

    Prepayments & Other Assets

-14.1

7.3

8.5

72.2

-4.1

    Customer Deposits

2,327.2

-1,932.4

1,308.2

-44.8

1,544.7

    Banks' Investment & Wakala Accounts

-

-

-

-255.9

547.6

    Change in Due to Banks

457.9

-1,563.4

682.1

-220.3

0.0

    Other Liabilities

120.3

-26.5

25.8

-84.0

54.9

    Zakat (Islamic Tax) Paid

-0.3

-3.2

-3.6

-4.7

-3.7

    Cumulative chanes in Fair Value

-

-

1.8

-5.0

-

Cash from Operating Activities

-901.0

-1,578.4

2,313.6

-127.2

851.8

 

 

 

 

 

 

    Redemptions of Inv. Sec.

-201.2

126.9

156.9

64.6

-

    Purchase of Investment Properties

-

-

-

-

-69.4

    Investment Properties Under Development

-

-

-

-39.5

-88.1

    Sale of Inv. Securities

7.8

7.0

65.8

-

-

    Sale of Investment Properties

-

-

-

0.0

1.5

    Purchase/ Sale - Other Investments

-

-

-

-

-410.6

    Sale of Other Investments

-

-

3.4

8.4

11.2

    Dividend Income

0.7

4.0

-

-

-

    Purchase of Assets

-7.6

-4.4

-4.3

-9.5

-6.9

    Chanes in Inv. Properties

-9.6

-5.0

-5.7

-23.1

-

    Profit - Sale of Investment Properties

-

-

3.7

0.0

-

Cash from Investing Activities

-209.8

128.5

219.9

1.0

-562.3

 

 

 

 

 

 

    Investment Wakala from Ministry of Finan

-

-

-

-

294.6

    Minority Interest

0.0

-12.8

-

-0.1

25.3

    Issuance of Sukuk

1,000.0

0.0

-

-

-

    Issuance of Shares

-

-

-

299.5

0.0

    Investment Wakala

-

-

-

-

54.5

Cash from Financing Activities

1,000.0

-12.8

-

299.3

374.3

 

 

 

 

 

 

Net Change in Cash

-110.8

-1,462.6

2,533.5

173.1

663.8

 

 

 

 

 

 

Beginning Balance

547.1

2,009.8

1,614.4

1,441.2

777.4

Ending Balance

436.3

547.2

4,147.8

1,614.4

1,441.2

    Cash Taxes Paid

0.3

3.2

3.6

4.7

3.7

 

 

Financial Health

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 

 

Key Indicators USD (mil)

 

Quarter
Ending
30-Jun-2013

Quarter
Ending
Yr Ago

Annual
Year End
31-Dec-2012

1 Year
Growth

3 Year
Growth

5 Year
Growth

Income Available to Common Excl Extraord Items1 (?)

21.2

-

22.1

-

-14.69%

-19.38%

Basic EPS Excl Extraord Items1 (?)

0.01

-

0.01

-

-22.08%

-28.68%

Capital Expenditures2 (?)

2.7

107.99%

7.6

72.26%

-7.29%

-19.59%

Cash from Operating Activities2 (?)

-527.5

-

-901.0

-

-

-

Free Cash Flow (?)

-530.2

-

-908.6

-

-

-

Total Assets3 (?)

9,888.4

19.04%

10,145.6

63.87%

13.79%

17.06%

Total Liabilities3 (?)

8,760.5

14.53%

9,443.5

70.82%

15.50%

17.30%

Total Long Term Debt3 (?)

1,000.0

100.00%

1,000.0

-

-

-

Total Common Shares Outstanding3 (?)

3,930.4

61.72%

2,430.4

0.00%

0.00%

13.02%

1-ExchangeRate: AED to USD Average for Period

3.672981

 

3.673069

 

 

 

2-ExchangeRate: AED to USD Average for Period

3.673013

 

3.673069

 

 

 

3-ExchangeRate: AED to USD Period End Date

3.673125

 

3.672900

 

 

 

Banking Industry Specific USD (mil)

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

 

Interest Income, Bank1 (?)

365.8

317.4

449.7

413.4

408.2

 

Total Interest Expense1 (?)

102.6

109.2

181.3

166.6

172.7

 

Loan Loss Provision1 (?)

124.3

213.3

144.4

101.8

18.6

 

Cash & Due from Banks3 (?)

3,519.6

1,654.7

324.1

350.9

455.0

 

Loan Loss Provision2 (?)

13.4

14.8

29.4

-2.6

7.5

 

Total Deposits3 (?)

7,813.2

5,028.3

7,605.3

5,615.2

5,903.1

 

1-ExchangeRate: AED to USD Average for Period

3.673069

3.672958

3.672899

3.672903

3.672848

 

2-ExchangeRate: AED to USD Average for Period

3.673069

3.672958

3.672899

3.672903

3.672848

 

3-ExchangeRate: AED to USD Period End Date

3.672900

3.673050

3.673100

3.673150

3.673050

 

Key Ratios

 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Profitability

Pretax Margin (?)

6.04%

-38.48%

3.59%

8.58%

26.71%

Net Profit Margin (?)

6.05%

-34.44%

3.71%

8.61%

26.72%

Financial Strength

Long Term Debt/Equity (?)

1.42

0.00

0.00

0.00

0.00

Total Debt/Equity (?)

1.42

0.00

0.00

0.00

0.00

Management Effectiveness

Return on Assets (?)

0.27%

-1.62%

0.20%

0.50%

1.85%

Return on Equity (?)

3.24%

-15.23%

2.18%

6.00%

27.49%

 

 

 

Annual Ratios

 

Financials in: USD (mil)

 

Except for share items (millions) and per share items (actual units)

 



 

31-Dec-2012

31-Dec-2011

31-Dec-2010

31-Dec-2009

31-Dec-2008

Financial Strength

Long Term Debt/Equity (?)

1.42

0.00

0.00

0.00

0.00

Total Debt/Equity (?)

1.42

0.00

0.00

0.00

0.00

Long Term Debt/Total Capital (?)

0.59

0.00

0.00

0.00

0.00

Total Debt/Total Capital (?)

0.59

0.00

0.00

0.00

0.00

Payout Ratio (?)

-

0.00%

0.00%

0.00%

0.00%

Effective Tax Rate (?)

0.00%

-

0.00%

0.00%

0.00%

Total Capital1 (?)

1,702.1

662.9

772.3

757.0

430.5

 

 

 

 

 

 

Profitability

Pretax Margin (?)

6.04%

-38.48%

3.59%

8.58%

26.71%

Net Profit Margin (?)

6.05%

-34.44%

3.71%

8.61%

26.72%

 

 

 

 

 

 

Management Effectiveness

Return on Assets (?)

0.27%

-1.62%

0.20%

0.50%

1.85%

Return on Equity (?)

3.24%

-15.23%

2.18%

6.00%

27.49%

 

 

 

 

 

 

Valuation

Free Cash Flow/Share2 (?)

-0.37

-0.65

0.95

-0.06

0.66

Operating Cash Flow/Share 2 (?)

-0.37

-0.65

0.95

-0.05

0.67

1-ExchangeRate: AED to USD Period End Date

3.6729

3.67305

3.6731

3.67315

3.67305

2-ExchangeRate: AED to USD Average for Period

3.6729

3.67305

3.6731

3.67315

3.67305

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.28

UK Pound

1

Rs.99.03

Euro

1

Rs.83.80

 

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.