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as of 2014
YEAR
74335
86084
103160
111904
2011
2012
2013
2014
120000
100000
80000
YEAR
60000
TOTAL ASSETS
40000
20000
2014
4
2013
3
2012
2
2011
0
1
Report the price behavior of assets over the selected time period
31 December 2014 vs . 31 Decembers 2013
total assets of 31 december were AED 1119 billion representing
an increase of 8.5% from 103.2 billion at the end of 31 december
2013 so net customers financing grew about 18.2% to AED 73.0
billion from AED 61.7 billion at the end of December 2013
also customers deposits grew 12.3% AED 84.8 BILLION ,FROM aed
75.5 billion at end of 31 december2013.
Risk management
ADIB continued its well established best practice approach in risk
management by having a dedicated team manage its legacy non
performing portfolio and as a result total non performing accounts
decreased to AED 3309.2 million . at the same time the ratio of total
non-performing assets to gross customer finacing assets decreased to
4.4% vs 8.3% at December 2013. given this reduction in the legacy nonperforming portfolio and notwithstanding the levels of collateral held ,
there has been a structural change in provision associated with the
restructured assets where the bank has taken the conservative change in
provision associated with the restructure assets .
This representation of the introduction of the new credit bureau and the
bank will maintain this approach until the sustainability of the
performance of the restructured and rescheduled and rescheduled
customers is confirmed
20.00%
10.00%
0.00%
-10.00%
-20.00%
volatility
30.00%
20.00%
volatility
10.00%
0.00%
-10.00%
-20.00%
-30.00%
Uses of Covariance
Correlation = 0.997680769
See excel sheet
return. Yes, investors with a higher risk tolerance should allocate more
money into stocks. But if you can't keep invested through the short-term
fluctuations of a bear market, you should cut your exposure to equities
30.00%
20.00%
10.00%
Axis Title
40.00%
20.00%
0.00%
0.00%
-20.00%
-10.00%
-20.00%
-30.00%
Axis Title
volatility