UAE Banking

Pages
Pages 62
table
Tables 28
Chart
Charts 14
Price $1000

UAE’s banking sector underwent a significant transformation post the financial crisis of 2008 and the domestic real estate crisis of 2009. UAE&r.....

Summary

UAE’s banking sector underwent a significant transformation post the financial crisis of 2008 and the domestic real estate crisis of 2009. UAE’s banking sector with its close ties to the real estate market bore the brunt of the melt down. Currently, UAE banks are well capitalized and have comfortable liquidity position despite the difficult macro-economic situation prevailing in UAE due to low oil prices. In 2015, profitability of UAE banks moderated and the same trend is expected to continue in the short term. Loan loss provisions in UAE banks are expected to increase as they are currently lower when compared to GCC peers such as Kuwaiti banks.

In this report, we have analyzed the current status of banking sector of UAE, focusing on the key metrics of the banking sector such as loans, deposit and assets. The report elaborates on the top 15 banks based on the above mentioned metrics, past 5 years performance of the banking sector, the growth factors and forecasts of various metrics for 2016 and 2017. We have also dedicated a section towards the profile of the leading banks in the UAE.

TOC

  1. Executive Summary
  2. Operating Environment
    • Sustained economic growth despite low oil prices
    • Vibrant infrastructure development for World Expo 2020 gives a boost to the banking sector
  3. Asset Quality and Capital
  4. Funding and Liquidity
  5. Profitability and Efficiency
  6. Profitability expectations remain subdued
    • Net Interest Margins to be moderated
  7.  Implications of Lower Oil Price
  8. What could banks do? Strategies for 2016 & beyond
  9. Regulatory Developments
    • Central Bank of UAE (CBUAE)
    • Basel Accords
    • Basel II    
    • Basel III    
    • Governor Appointments
    • Foreign Account Tax Compliance Act (FATCA): Collaboration with the US
  10. UAE Commercial Banks
    • Emirates NBD
    • National Bank of Abu Dhabi
    • Abu Dhabi Commercial Bank
    • First Gulf Bank
    • Union National Bank
    • Abu Dhabi Islamic Bank
    • Dubai Islamic Bank
    • Mashreq Bank
    • Commercial Bank of Dubai
    • Bank of Sharjah
    • Commercial Bank International
    • Sharjah Islamic Bank
    • National Bank of Fujairah
    • National Bank of Umm Al Qaiwain
    • National Bank of Ras Al Khaimah
  11. Appendix
    • Forecasting Model: A Mathematical Approach

Tables & Charts

Tables:
1.1    UAE Banking Expectations
2.1    United Arab Emirates – Key Macroeconomic Indicators
3.1    Peek into loan book composition
6.1    UAE Banking Expectations
9.1    Bank and Non-Bank Institutions Regulated by Central Bank of UAE
9.2    Other Macro-prudential Instruments
9.3    Tenure of the UAE Central Bank Governors
10.1    Key Financial Highlights, Emirates NBD
10.2    Key Financial Highlights, National Bank of Abu Dhabi
10.3    Key Financial Highlights, Abu Dhabi Commercial Bank
10.4    Key Financial Highlights, First Gulf Bank
10.5    Key Financial Highlights, Union National Bank
10.6    Key Financial Highlights, Abu Dhabi Islamic Bank
10.7    Key Financial Highlights, Dubai Islamic Bank
10.8    Key Financial Highlights, Mashreq Bank
10.9    Key Financial Highlights, Commercial Bank of Dubai
10.10    Key Financial Highlights, Bank of Sharjah
10.11    Key Financial Highlights, Commercial Bank International
10.12    Key Financial Highlights, Sharjah Islamic Bank
10.13    Key Financial Highlights, National Bank of Fujairah
10.14    Key Financial Highlights, National Bank of Umm Al Qaiwain
10.15    Key Financial Highlights, National Bank of Ras Al Khaimah
11.1    Rankings by Loans  
11.2    Rankings by Deposits
11.3    Rankings by Assets
11.4    Rankings by Equity
11.5    Rankings by RoE
11.6    Rankings by RoA

Charts:
2.1    Credit Growth (Y-o-Y %change), 2011 – 2015
3.1    Asset Quality has declined after the fall in oil prices
3.2    Number of transactions and value of transactions for Apartments in Dubai from 2009 to 2015
3.3    Capital Adequacy Ratio and Tier – 1 Capital Adequacy Ratio
4.1    Predominantly funded by private sector deposits
4.2    Government deposits to total funding across GCC banks
4.3    Real 1-Year Deposit Interest rates in UAE in the recent years
4.4    UAE Banks have comfortable liquidity despite tougher economic situation in 2015
5.1    Net income (in USD Mn) and Y-o-Y change in net income
5.2    Cost – to – Income Ratio (2010 – 2015)
5.3    NIM has increased over the years
7.1    UAE Money supply is deteriorating (YoY, % change)
7.2    3-M deposit rate (2014-2015)
8.1    Low banking support for SMEs in the region
 

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