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      "text": "Disclaimer: The information contained in this document is of a general nature and has been obtained from publicly available information plus market insights. The information is not intended to address the specific circumstances of an individual or institution. There is no guarantee that the information is accurate at the date received by the recipient or that it will be accurate in the future. All parties should seek appropriate professional advice to analyze their particular situation before acting on any of the information contained herein",
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      "text": "Alvarez & Marsal Middle East Limited (A&M) is delighted to publish the annual 2021 year-end edition of the UAE Banking Pulse (\"The Pulse\"). In this yearly series, we share results from our research examining the top ten largest listed UAE banks by assets, and highlight key performance indicators of the UAE banking industry. The Pulse aims to help banking executives and board members stay current on industry trends.",
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      "text": "All the data used in this report has been obtained from publicly available sources and the methodology for the calculations is discussed in the glossary. Calculation of several metrics has been changed from the previous version to accommodate available information.",
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      "text": "UAE’s banking sector assets are expected to grow in 2022 on the back of anticipated economic recovery and digital transformation of the banking industry. The Central Bank of UAE (CBUAE) is expected to continue its support to reinforce the lenders’ creditworthiness. We hope you will find the Pulse useful and informative.",
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      "text": "The 2021 results for most of the banks pointed towards increasing profitability and higher return ratios, as the economy recovers from the COVID-19 pandemic. Loans & Advances (L&A) grew by 1.7% YoY, at a slower pace than deposits growth (+6.7% YoY). Aggregate NII decreased by 3.0% YoY as NIMs contracted by 20 bps YoY to 2.1% and Yield-on-Credit fell by 68 bps YoY to 5.1%.",
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