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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 4, | |
| "slide_number": 4, | |
| "section_heading": "UAE’s continues to have a well diversified GDP mix … 3", | |
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| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 4, | |
| "slide_number": 4, | |
| "section_heading": "UAE’s continues to have a well diversified GDP mix … 3", | |
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| "(USD bn)\n25.2\n19.5\n17.3 17.9\n15.4\n14.5\n2021 2022 2023 2024 2025 2026", | |
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| "36 35 35 35\n27 28 27 27\n23 22 14.5\n20 20\n13\nQ1-23 Q2-23 Q3-23 Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 2021 2\nChemical Construction Gas Industrial Oil Power Transport Water Total", | |
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| "Public sector 6%\nInfrastructure 48%\nSafety &\nSecurity 18% USD bn\n27.1\nSocial, health &\neducation 28%", | |
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| "text_representation": "(USD bn)\n25.2\n19.5\n17.3 17.9\n15.4\n14.5\n2021 2022 2023 2024 2025 2026\n | 36 35 35 35\n27 28 27 27\n23 22 14.5\n20 20\n13\nQ1-23 Q2-23 Q3-23 Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 2021 2\nChemical Construction Gas Industrial Oil Power Transport Water Total | 14.5\n2021 2 | | | | Public sector 6%\nInfrastructure 48%\nSafety &\nSecurity 18% USD bn\n27.1\nSocial, health &\neducation 28% | \n | | | 022 2023 2024 2025 2 | | | | ", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 7, | |
| "slide_number": 6, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "UAE’s\nprofitab\nAED 6\nQ1-", | |
| "most\nle bank\n.4bn\n26", | |
| "3rd\nLargest bank in GCC\nby assets", | |
| "2nd\nLargest bank in UAE\nby assets", | |
| "AED\n29.00\nShare price\nAs of 30 Apr 2026", | |
| "AED\n183bn\nMarket Cap\nAs of 30 Apr 2026" | |
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| "AED\n14.4bn\nTotal income\nQ1-26", | |
| "AED\n8.2bn\nProfit before tax\nQ1-26", | |
| "AED\n6.4bn\nProfit\nQ1-26", | |
| "AED\n1,217bn\nTotal assets", | |
| "AED\n830bn\nTotal deposits", | |
| "AED\n703bn\nTotal gross loans" | |
| ], | |
| [ | |
| "14.2%\nCET-1 Ratio", | |
| "41%\nShareholding by\nInvestment Corporation of Dubai", | |
| "40%\nForeign Ownership Limit\n14% Foreign Ownership\nAs of 30 Apr 2026", | |
| "13\nCountries with branch\nand rep office presence", | |
| "790\nBranches", | |
| "10+ million\nActive customers\nAs of Mar 2026" | |
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| "caption": "", | |
| "text_representation": "UAE’s\nprofitab\nAED 6\nQ1- | most\nle bank\n.4bn\n26 | 3rd\nLargest bank in GCC\nby assets | 2nd\nLargest bank in UAE\nby assets | AED\n29.00\nShare price\nAs of 30 Apr 2026 | AED\n183bn\nMarket Cap\nAs of 30 Apr 2026\nAED\n14.4bn\nTotal income\nQ1-26 | AED\n8.2bn\nProfit before tax\nQ1-26 | AED\n6.4bn\nProfit\nQ1-26 | AED\n1,217bn\nTotal assets | AED\n830bn\nTotal deposits | AED\n703bn\nTotal gross loans\n14.2%\nCET-1 Ratio | 41%\nShareholding by\nInvestment Corporation of Dubai | 40%\nForeign Ownership Limit\n14% Foreign Ownership\nAs of 30 Apr 2026 | 13\nCountries with branch\nand rep office presence | 790\nBranches | 10+ million\nActive customers\nAs of Mar 2026", | |
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| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 9, | |
| "slide_number": 8, | |
| "section_heading": "Strong credit ratings reflecting financial stability", | |
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| "aa1\n2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025\nMoodys Fitch CI\nk:\nve Stable Positive", | |
| "" | |
| ] | |
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| "caption": "", | |
| "text_representation": "\n | aa1\n2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025\nMoodys Fitch CI\nk:\nve Stable Positive | ", | |
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| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 9, | |
| "slide_number": 8, | |
| "section_heading": "Strong credit ratings reflecting financial stability", | |
| "headers": [ | |
| "", | |
| "Short-term", | |
| "Long-term", | |
| "Outlook" | |
| ], | |
| "rows": [ | |
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| "Moody’s", | |
| "P-1", | |
| "A1", | |
| "Stable" | |
| ], | |
| [ | |
| "Fitch", | |
| "F1", | |
| "A+", | |
| "Stable" | |
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| "CI", | |
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| "caption": "A+/A1", | |
| "text_representation": "Table: A+/A1\nShort-term | Long-term | Outlook\nMoody’s | P-1 | A1 | Stable\nFitch | F1 | A+ | Stable\nCI | A1 | A+ | Stable", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 9, | |
| "slide_number": 8, | |
| "section_heading": "Strong credit ratings reflecting financial stability", | |
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| "caption": "Short-term Long-term Outlook", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 9, | |
| "slide_number": 8, | |
| "section_heading": "Strong credit ratings reflecting financial stability", | |
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| "• Strong funding profile and sound capitalization\n• Potential support from UAE authorities (AA-\n/Stable)\n• Strong franchise, healthy profitability, and\nimproved risk profile, reduced direct lending to\nDubai government", | |
| "• Rating upgrade to A1 in 2025\n• Expected to maintain strong profits and capital\n• Asset quality metrics expected to improve\n• Supportive operating conditions in UAE", | |
| "• ENBD status as D-SIB\n• UAE and Dubai governments’ support available if\nrequired\n• Strong capital ratios, full coverage of impaired\nloans, and good liquidity and profitability" | |
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| "caption": "", | |
| "text_representation": "\n• Strong funding profile and sound capitalization\n• Potential support from UAE authorities (AA-\n/Stable)\n• Strong franchise, healthy profitability, and\nimproved risk profile, reduced direct lending to\nDubai government | • Rating upgrade to A1 in 2025\n• Expected to maintain strong profits and capital\n• Asset quality metrics expected to improve\n• Supportive operating conditions in UAE | • ENBD status as D-SIB\n• UAE and Dubai governments’ support available if\nrequired\n• Strong capital ratios, full coverage of impaired\nloans, and good liquidity and profitability", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 10, | |
| "slide_number": 10, | |
| "section_heading": "Stable shareholder base and diversified business model 9", | |
| "headers": [ | |
| "Strong and supportive shareholder base from the Government of Dubai via" | |
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| "Investment Corporation of Dubai" | |
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| "text_representation": "Table: •\nStrong and supportive shareholder base from the Government of Dubai via\nInvestment Corporation of Dubai", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 10, | |
| "slide_number": 10, | |
| "section_heading": "Stable shareholder base and diversified business model 9", | |
| "headers": [ | |
| "Well diversified and balanced asset composition between corporate," | |
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| "consumer and Islamic banking" | |
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| "caption": "•", | |
| "text_representation": "Table: •\nWell diversified and balanced asset composition between corporate,\nconsumer and Islamic banking", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 10, | |
| "slide_number": 10, | |
| "section_heading": "Stable shareholder base and diversified business model 9", | |
| "headers": [ | |
| "0.20" | |
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| "rows": [ | |
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| "caption": "1.00 1.00 Recommendation 15 5 -", | |
| "text_representation": "Table: 1.00 1.00 Recommendation 15 5 -\n0.20\n1.00", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 10, | |
| "slide_number": 10, | |
| "section_heading": "Stable shareholder base and diversified business model 9", | |
| "headers": [ | |
| "Average target price", | |
| "35.55" | |
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| "Price on 30th Apr 2026", | |
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| "Q1-26 EPS", | |
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| ], | |
| "caption": "0.60", | |
| "text_representation": "Table: 0.60\nAverage target price | 35.55\nPrice on 30th Apr 2026 | 29.00\nQ1-26 EPS | 0.99", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 12, | |
| "slide_number": 11, | |
| "section_heading": "Asset Quality", | |
| "headers": [ | |
| "Totalincome\nIn USD mn\n1", | |
| "Net profit\nIn USD mn\n1", | |
| "Total assets\nIn USD bn", | |
| "Coverage ratio & NPLs(%)", | |
| "", | |
| "CET-1 ratio (%)" | |
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| "", | |
| "As of 31 Mar 2026", | |
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| "As of 31 Mar 2026" | |
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| "caption": "", | |
| "text_representation": "Totalincome\nIn USD mn\n1 | Net profit\nIn USD mn\n1 | Total assets\nIn USD bn | Coverage ratio & NPLs(%) | CET-1 ratio (%)\n | Q1 2026 | | As of 31 Mar 2026 | NPL% | As of 31 Mar 2026", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 12, | |
| "slide_number": 11, | |
| "section_heading": "Asset Quality", | |
| "headers": [ | |
| "3,908", | |
| "", | |
| "1,801", | |
| "", | |
| "406", | |
| "", | |
| "157", | |
| "", | |
| "", | |
| "17.9" | |
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| "1,746", | |
| "", | |
| "387", | |
| "", | |
| "152", | |
| "1.9", | |
| "", | |
| "17.3" | |
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| "", | |
| "1,713", | |
| "", | |
| "331", | |
| "", | |
| "150", | |
| "0.8", | |
| "", | |
| "15.2" | |
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| "", | |
| "1,364", | |
| "", | |
| "328", | |
| "", | |
| "110", | |
| "2.1", | |
| "", | |
| "14.2" | |
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| "", | |
| "1,213", | |
| "", | |
| "280", | |
| "", | |
| "105", | |
| "3.6", | |
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| "", | |
| "915", | |
| "", | |
| "220", | |
| "", | |
| "100", | |
| "", | |
| "", | |
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| "caption": "Q1 2026 As of 31 Mar 2026 NPL% As of 31 Mar 2026", | |
| "text_representation": "Table: Q1 2026 As of 31 Mar 2026 NPL% As of 31 Mar 2026\n3,908 | 1,801 | 406 | 157 | 17.9\n3,261 | | 1,746 | | 387 | | 152 | 1.9 | | 17.3\n2,807 | | 1,713 | | 331 | | 150 | 0.8 | | 15.2\n2,573 | | 1,364 | | 328 | | 110 | 2.1 | | 14.2\n2,542 | | 1,213 | | 280 | | 105 | 3.6 | | 13.8\n1,616 | | 915 | | 220 | | 100 | | | 12.8", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 16, | |
| "slide_number": 16, | |
| "section_heading": "Income Statement", | |
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| "Income statement", | |
| "Q1-26", | |
| "Q1-25", | |
| "%∆ YoY", | |
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| "Profit before tax & others", | |
| "9.3", | |
| "8.7", | |
| "8%", | |
| "" | |
| ], | |
| [ | |
| "Hyperinflation adjustment", | |
| "(1.1)", | |
| "(0.9)", | |
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| [ | |
| "Profit before tax", | |
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| "7.8", | |
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| ], | |
| [ | |
| "Tax", | |
| "(1.8)", | |
| "(1.5)", | |
| "17%", | |
| "" | |
| ], | |
| [ | |
| "Profit", | |
| "6.4", | |
| "6.2", | |
| "3%", | |
| "" | |
| ], | |
| [ | |
| "NIM", | |
| "3.35%", | |
| "3.58%", | |
| "(23) bps", | |
| "" | |
| ], | |
| [ | |
| "Cost to income ratio", | |
| "29.2%", | |
| "30.9%", | |
| "(1.7)%", | |
| "" | |
| ], | |
| [ | |
| "Risk Credit/(Cost of Risk)* (bps)", | |
| "(50)", | |
| "34", | |
| "(84) bps", | |
| "" | |
| ] | |
| ], | |
| "caption": "balance sheet growth, resilient margins and record NFI growth", | |
| "text_representation": "Table: balance sheet growth, resilient margins and record NFI growth\nIncome statement | Q1-26 | Q1-25 | %∆ YoY\n(AED bn) | | | | \n | 9.5 | 8.5 12%\n3.4 42%\n11.9 21%\n(3.7) 14%\n8.2 24%\n0.5 n/m | | \n | 4.9 | | | \n | 14.4 | | | \n | (4.2) | | | \n | 10.2 | | | \n | (0.8) | | | \nProfit before tax & others | 9.3 | 8.7 | 8% | \nHyperinflation adjustment | (1.1) | (0.9) | 24% | \nProfit before tax | 8.2 | 7.8 | 6% | \nTax | (1.8) | (1.5) | 17% | \nProfit | 6.4 | 6.2 | 3% | \nNIM | 3.35% | 3.58% | (23) bps | \nCost to income ratio | 29.2% | 30.9% | (1.7)% | \nRisk Credit/(Cost of Risk)* (bps) | (50) | 34 | (84) bps | ", | |
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| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 16, | |
| "slide_number": 16, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "33%" | |
| ], | |
| "rows": [ | |
| [ | |
| "87%" | |
| ], | |
| [ | |
| "28%" | |
| ], | |
| [ | |
| "30%" | |
| ], | |
| [ | |
| "27%" | |
| ], | |
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| ], | |
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| ], | |
| "caption": "Profit before tax & others 9.3 8.7 8% 7.0", | |
| "text_representation": "Table: Profit before tax & others 9.3 8.7 8% 7.0\n33%\n87%\n28%\n30%\n27%\n(17) bps\n(1.2)%\n60 bps", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 16, | |
| "slide_number": 16, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Balance sheet", | |
| "31-Mar-26", | |
| "31-Mar-25", | |
| "%∆ YoY", | |
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| "31-Dec-25", | |
| "%∆ QoQ" | |
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| "14.2%", | |
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| "141%", | |
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| "2.3%", | |
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| "caption": "AED 8.2bn profit before tax, up 6% yoy and 28% qoq, driven by strong 15", | |
| "text_representation": "Table: AED 8.2bn profit before tax, up 6% yoy and 28% qoq, driven by strong 15\nBalance sheet | 31-Mar-26 | 31-Mar-25 | %∆ YoY | 31-Dec-25 | %∆ QoQ\n | 1,217 | | | | | \n | 703 | | | | | \n | 830 | | | | | \n | 14.2% | | | | | \n | 141% | | | | | \n | 2.3% | | | | | ", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 17, | |
| "slide_number": 16, | |
| "section_heading": "Net Interest Margin", | |
| "headers": [ | |
| "Net interest margin (%)\nQuarterly NIM Ytd NIM\n3.95%\n3.58%\n3.52%\n3.47%\n3.43%\n3.64% 3.35%\n3.58%", | |
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| "3.46%\n3.43%\n3.36% 3.37% 3.35%\nFed Funds Upper Bound\n4.50% 5.50% 4.50% 4.50% 4.50% 4.25% 3.75% 3.75%", | |
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| "2022 2023 2024 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26", | |
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| "text_representation": "Net interest margin (%)\nQuarterly NIM Ytd NIM\n3.95%\n3.58%\n3.52%\n3.47%\n3.43%\n3.64% 3.35%\n3.58%\n3.46%\n3.43%\n3.36% 3.37% 3.35%\nFed Funds Upper Bound\n4.50% 5.50% 4.50% 4.50% 4.50% 4.25% 3.75% 3.75% | \n2022 2023 2024 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 | ", | |
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| "page_number": 17, | |
| "slide_number": 16, | |
| "section_heading": "Net Interest Margin", | |
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| "Fewer expected rate cuts provide upside to ENBD, offsetting", | |
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| "caption": "3.36% 3.37% 3.35% •", | |
| "text_representation": "Table: 3.36% 3.37% 3.35% •\nFewer expected rate cuts provide upside to ENBD, offsetting\nhigher | - | for | - | longer rates in Türkiye", | |
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| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "17\nStrong growth across products and segments driving record non-\nfunded income growth\nNon-funded income • Strong broad-based non-funded income, up 42% yoy and 65% qoq driven by\nQ1-26 Q1-25 %∆YoY Q4-25 %∆QoQ\n(AED mn) strong growth across all segments and diversified product offerings\nFee and commission income 4,218 3569 18% 4,147 2%\n• Net Fee & Commission Income up 27% yoy and 21% qoq , driven by strong\nasset growth and our continued investment in capital markets business like\nFee and commission expense (1,819) (1,681) 8% (2,166) (16)% wealth management and investment banking\n• Total other non-funded income up 61% yoy in Q1-26 on increased client flow\nNet fee & commission income 2,399 1,888 27% 1,981 21%\nincome driven by FX and derivative income from enhanced Global Markets\nproduct offering\nTotal other non-funded income 2,466 1,533 61% 963 n/m\nTotal non-funded income 4,865 3,420 42% 2,944 65%\nFee and commission income Total other non-funded income\n(AED mn) (AED mn)\n4,212 4,147 4,218\n3,810 2,466\n164 138 191\n3,569\n135 353 395 382\n150 348\n1,615\n359 1,675\n1,533 963\n2,503\n3,695 3,614 3,645 1,882\n3,327 1,653 1,707 1,579\n3,060\n(120) (32) (36)\n(267)\n(616)\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nFee income Trade finance Brokerage and AM fees Total Client & trading flow income Non-client income Total", | |
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| "Fee and commission income T\n(AED mn) (\n4,212 4,147 4,218\n3,810\n164 138 191\n3,569\n135 353 395 382\n150 348\n359\n3,695 3,614 3,645\n3,327\n3,060\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nFee income Trade finance Brokerage and AM fees Total", | |
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| "otal other non-funded income\nAED mn)\n2,466\n1,615\n1,675\n1,533 963\n2,503\n1,882\n1,653 1,707 1,579\n(120) (32) (36)\n(267)\n(616)\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nClient & trading flow income Non-client income Total" | |
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| "text_representation": "17\nStrong growth across products and segments driving record non-\nfunded income growth\nNon-funded income • Strong broad-based non-funded income, up 42% yoy and 65% qoq driven by\nQ1-26 Q1-25 %∆YoY Q4-25 %∆QoQ\n(AED mn) strong growth across all segments and diversified product offerings\nFee and commission income 4,218 3569 18% 4,147 2%\n• Net Fee & Commission Income up 27% yoy and 21% qoq , driven by strong\nasset growth and our continued investment in capital markets business like\nFee and commission expense (1,819) (1,681) 8% (2,166) (16)% wealth management and investment banking\n• Total other non-funded income up 61% yoy in Q1-26 on increased client flow\nNet fee & commission income 2,399 1,888 27% 1,981 21%\nincome driven by FX and derivative income from enhanced Global Markets\nproduct offering\nTotal other non-funded income 2,466 1,533 61% 963 n/m\nTotal non-funded income 4,865 3,420 42% 2,944 65%\nFee and commission income Total other non-funded income\n(AED mn) (AED mn)\n4,212 4,147 4,218\n3,810 2,466\n164 138 191\n3,569\n135 353 395 382\n150 348\n1,615\n359 1,675\n1,533 963\n2,503\n3,695 3,614 3,645 1,882\n3,327 1,653 1,707 1,579\n3,060\n(120) (32) (36)\n(267)\n(616)\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nFee income Trade finance Brokerage and AM fees Total Client & trading flow income Non-client income Total\nFee and commission income T\n(AED mn) (\n4,212 4,147 4,218\n3,810\n164 138 191\n3,569\n135 353 395 382\n150 348\n359\n3,695 3,614 3,645\n3,327\n3,060\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nFee income Trade finance Brokerage and AM fees Total | | | \n | | T\n( | otal other non-funded income\nAED mn)\n2,466\n1,615\n1,675\n1,533 963\n2,503\n1,882\n1,653 1,707 1,579\n(120) (32) (36)\n(267)\n(616)\nQ1-25 Q2-25 Q3-25 Q4-25 Q1-26\nClient & trading flow income Non-client income Total", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "Non-funded income", | |
| "Q1-26", | |
| "Q1-25", | |
| "%∆YoY", | |
| "", | |
| "Q4-25", | |
| "%∆QoQ" | |
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| "rows": [ | |
| [ | |
| "(AED mn)", | |
| "", | |
| "", | |
| "", | |
| "", | |
| "", | |
| "" | |
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| [ | |
| "Fee and commission income", | |
| "4,218", | |
| "3569", | |
| "18%", | |
| "", | |
| "4,147", | |
| "2%" | |
| ], | |
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| "Fee and commission expense", | |
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| "(1,681)", | |
| "8%", | |
| "", | |
| "(2,166)", | |
| "(16)%" | |
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| "Net fee & commission income", | |
| "2,399", | |
| "1,888", | |
| "27%", | |
| "", | |
| "1,981", | |
| "21%" | |
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| "Total other non-funded income", | |
| "2,466", | |
| "1,533", | |
| "61%", | |
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| "caption": "funded income growth", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "164" | |
| ], | |
| "rows": [ | |
| [ | |
| "353" | |
| ], | |
| [ | |
| "3,695" | |
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| "caption": "3,810", | |
| "text_representation": "Table: 3,810\n164\n353\n3,695", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "138" | |
| ], | |
| "rows": [ | |
| [ | |
| "395" | |
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| "caption": "3,810 164", | |
| "text_representation": "Table: 3,810 164\n138\n395\n3,614", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "191" | |
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| "rows": [ | |
| [ | |
| "382" | |
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| "3,645" | |
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| "caption": "3,810 164 138", | |
| "text_representation": "Table: 3,810 164 138\n191\n382\n3,645", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "135" | |
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| [ | |
| "348" | |
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| "3,327" | |
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| "caption": "191 2,466 3,569 353 395 382", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "150" | |
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| "359" | |
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| "caption": "191 2,466 3,569 353 395 382 135", | |
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| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
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| "1,882" | |
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| "(120)" | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
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| "page_number": 18, | |
| "slide_number": 17, | |
| "section_heading": "Non-Funded Income", | |
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| "section_heading": "Loans & Deposits", | |
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| ], | |
| "caption": "Excluding DenizBank", | |
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| "text_representation": "Q1-26 | Q1-25 | %∆ YoY | Q4-25 | %∆ QoQ\n2.9 | 2.2 | 33% | 3.1 | (6)%\n1.1 | 0.9 | 20% | 0.7 | 50%\n4.0 | 3.1 | 29% | 3.8 | 5%\n(1.6) | (1.2) | 28% | (1.3) | 27%\n2.4 | 1.8 | 30% | 2.6 | (7)%\n(0.8) | (0.3) | n/m | (0.7) | 12%\n1.6 | 1.5 | 4% | 1.8 | (14)%\n(1.1) | (0.9) | 24% | (0.6) | 87%\n0.5 | 0.6 | (25)% | 1.2 | (63)%\n(0.6) | (0.5) | 33% | (0.6) | 8%\n(0.1) | 0.2 | n/m | 0.7 | n/m\n7.12% | 6.11% | 101 bps | 7.78% | (66) bps\n40.0% | 40.3% | (0.3)% | 33.9% | 6.1%\n(321) | (150) | (171) bps | (326) | 5 bps", | |
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| "page_number": 30, | |
| "slide_number": 29, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Balance sheet", | |
| "Mar-26", | |
| "Mar-25", | |
| "%∆ YoY", | |
| "Dec-25", | |
| "%∆ QoQ" | |
| ], | |
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| "1031", | |
| "18%", | |
| "1,164", | |
| "4%" | |
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| "548", | |
| "28%", | |
| "658", | |
| "7%" | |
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| "19%", | |
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| ] | |
| ], | |
| "caption": "(Cost of Risk)* (bps) (50) 34 (84) bps (110) 60 bps (3) 68 (71) bps (73) 70 bps (321) (150) (171) bps (326) 5 bps", | |
| "text_representation": "Table: (Cost of Risk)* (bps) (50) 34 (84) bps (110) 60 bps (3) 68 (71) bps (73) 70 bps (321) (150) (171) bps (326) 5 bps\nBalance sheet | Mar-26 | Mar-25 | %∆ YoY | Dec-25 | %∆ QoQ\nTotal assets | 1,217 | 1031 | 18% | 1,164 | 4%\nTotal gross loans | 703 | 548 | 28% | 658 | 7%\nDeposits | 830 | 698 | 19% | 786 | 6%", | |
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| "page_number": 30, | |
| "slide_number": 29, | |
| "section_heading": "Income Statement", | |
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| "%∆ YoY", | |
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| "section_heading": "Income Statement", | |
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| "96", | |
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| "2.8", | |
| "2.2", | |
| "24%", | |
| "2.4", | |
| "16%" | |
| ], | |
| [ | |
| "Impairment allowances", | |
| "(0.2)", | |
| "0.1", | |
| "n/m", | |
| "(0.5)", | |
| "(53)%" | |
| ], | |
| [ | |
| "Profit before tax & others", | |
| "2.5", | |
| "2.4", | |
| "8%", | |
| "1.9", | |
| "33%" | |
| ], | |
| [ | |
| "Hyperinflation adjustment", | |
| "(0.3)", | |
| "(0.2)", | |
| "24%", | |
| "(0.2)", | |
| "87%" | |
| ], | |
| [ | |
| "Profit before tax", | |
| "2.2", | |
| "2.1", | |
| "6%", | |
| "1.8", | |
| "28%" | |
| ], | |
| [ | |
| "Tax", | |
| "(0.5)", | |
| "(0.4)", | |
| "17%", | |
| "(0.4)", | |
| "30%" | |
| ], | |
| [ | |
| "Profit", | |
| "1.7", | |
| "1.7", | |
| "3%", | |
| "1.4", | |
| "27%" | |
| ], | |
| [ | |
| "NIM", | |
| "3.35%", | |
| "3.58%", | |
| "(23) bps", | |
| "3.52%", | |
| "(17) bps" | |
| ], | |
| [ | |
| "Cost to income ratio", | |
| "29.2%", | |
| "30.9%", | |
| "(1.7)%", | |
| "30.4%", | |
| "(1.2)%" | |
| ], | |
| [ | |
| "Risk Credit/(Cost of Risk)* (bps)", | |
| "(50)", | |
| "34", | |
| "(84) bps", | |
| "(110)", | |
| "60 bps" | |
| ] | |
| ], | |
| "caption": "Excluding DenizBank", | |
| "text_representation": "Table: Excluding DenizBank\nIncome statement | Q1-26 | Q1-25 | %∆ YoY | Q4-25 | %∆ QoQ\n( USD bn) | | | | | \nNet interest income | 2.6 | 2.3 | 12% | 2.6 | (2)%\nNon-funded income | 1.3 | 0.9 | 42% | 0.8 | 65%\nTotal income | 3.9 | 3.2 | 21% | 3.4 | 13%\nOperating expenses | (1.1) | (1.0) | 14% | (1.1) | 8%\nOperating profit\nbefore impairment | 2.8 | 2.2 | 24% | 2.4 | 16%\nImpairment allowances | (0.2) | 0.1 | n/m | (0.5) | (53)%\nProfit before tax & others | 2.5 | 2.4 | 8% | 1.9 | 33%\nHyperinflation adjustment | (0.3) | (0.2) | 24% | (0.2) | 87%\nProfit before tax | 2.2 | 2.1 | 6% | 1.8 | 28%\nTax | (0.5) | (0.4) | 17% | (0.4) | 30%\nProfit | 1.7 | 1.7 | 3% | 1.4 | 27%\nNIM | 3.35% | 3.58% | (23) bps | 3.52% | (17) bps\nCost to income ratio | 29.2% | 30.9% | (1.7)% | 30.4% | (1.2)%\nRisk Credit/(Cost of Risk)* (bps) | (50) | 34 | (84) bps | (110) | 60 bps", | |
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| "cor", | |
| "cost_income", | |
| "net profit", | |
| "nim", | |
| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 31, | |
| "slide_number": 30, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Q1-26", | |
| "Q1-25", | |
| "%∆ YoY", | |
| "Q4-25", | |
| "%∆ QoQ" | |
| ], | |
| "rows": [ | |
| [ | |
| "1.8", | |
| "1.7", | |
| "5%", | |
| "1.8", | |
| "(1)%" | |
| ], | |
| [ | |
| "1.0", | |
| "0.7", | |
| "50%", | |
| "0.6", | |
| "70%" | |
| ], | |
| [ | |
| "2.8", | |
| "2.4", | |
| "18%", | |
| "2.4", | |
| "17%" | |
| ], | |
| [ | |
| "(0.7)", | |
| "(0.7)", | |
| "7%", | |
| "(0.7)", | |
| "-" | |
| ], | |
| [ | |
| "2.1", | |
| "1.7", | |
| "22%", | |
| "1.7", | |
| "25%" | |
| ], | |
| [ | |
| "-", | |
| "0.2", | |
| "n/m", | |
| "(0.3)", | |
| "n/m" | |
| ], | |
| [ | |
| "2.1", | |
| "1.9", | |
| "9%", | |
| "1.4", | |
| "49%" | |
| ], | |
| [ | |
| "-", | |
| "-", | |
| "-", | |
| "-", | |
| "-" | |
| ], | |
| [ | |
| "2.1", | |
| "1.9", | |
| "9%", | |
| "1.4", | |
| "49%" | |
| ], | |
| [ | |
| "(0.3)", | |
| "(0.3)", | |
| "11%", | |
| "(0.2)", | |
| "45%" | |
| ], | |
| [ | |
| "1.8", | |
| "1.7", | |
| "8%", | |
| "1.2", | |
| "50%" | |
| ], | |
| [ | |
| "2.70%", | |
| "3.13%", | |
| "(43) bps", | |
| "2.80%", | |
| "(10) bps" | |
| ], | |
| [ | |
| "25.0%", | |
| "27.7%", | |
| "(2.7)%", | |
| "29.2%", | |
| "(4.2)%" | |
| ], | |
| [ | |
| "(3)", | |
| "68", | |
| "(71) bps", | |
| "(73)", | |
| "70 bps" | |
| ] | |
| ], | |
| "caption": "Income statement", | |
| "text_representation": "Table: Income statement\nQ1-26 | Q1-25 | %∆ YoY | Q4-25 | %∆ QoQ\n1.8 | 1.7 | 5% | 1.8 | (1)%\n1.0 | 0.7 | 50% | 0.6 | 70%\n2.8 | 2.4 | 18% | 2.4 | 17%\n(0.7) | (0.7) | 7% | (0.7) | -\n2.1 | 1.7 | 22% | 1.7 | 25%\n- | 0.2 | n/m | (0.3) | n/m\n2.1 | 1.9 | 9% | 1.4 | 49%\n- | - | - | - | -\n2.1 | 1.9 | 9% | 1.4 | 49%\n(0.3) | (0.3) | 11% | (0.2) | 45%\n1.8 | 1.7 | 8% | 1.2 | 50%\n2.70% | 3.13% | (43) bps | 2.80% | (10) bps\n25.0% | 27.7% | (2.7)% | 29.2% | (4.2)%\n(3) | 68 | (71) bps | (73) | 70 bps", | |
| "metrics_found": [ | |
| "cor", | |
| "cost_income", | |
| "net profit", | |
| "nim", | |
| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 31, | |
| "slide_number": 30, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Q1-26", | |
| "Q1-25", | |
| "%∆ YoY", | |
| "Q4-25", | |
| "%∆ QoQ" | |
| ], | |
| "rows": [ | |
| [ | |
| "0.8", | |
| "0.6", | |
| "33%", | |
| "0.8", | |
| "(6)%" | |
| ], | |
| [ | |
| "0.3", | |
| "0.2", | |
| "20%", | |
| "0.2", | |
| "50%" | |
| ], | |
| [ | |
| "1.1", | |
| "0.8", | |
| "29%", | |
| "1.0", | |
| "5%" | |
| ], | |
| [ | |
| "(0.4)", | |
| "(0.3)", | |
| "28%", | |
| "(0.3)", | |
| "27%" | |
| ], | |
| [ | |
| "0.7", | |
| "0.5", | |
| "30%", | |
| "0.7", | |
| "(7)%" | |
| ], | |
| [ | |
| "(0.2)", | |
| "(0.1)", | |
| "n/m", | |
| "(0.2)", | |
| "12%" | |
| ], | |
| [ | |
| "0.4", | |
| "0.4", | |
| "4%", | |
| "0.5", | |
| "(14)%" | |
| ], | |
| [ | |
| "(0.3)", | |
| "(0.2)", | |
| "24%", | |
| "(0.2)", | |
| "87%" | |
| ], | |
| [ | |
| "0.1", | |
| "0.2", | |
| "(25)%", | |
| "0.3", | |
| "(63)%" | |
| ], | |
| [ | |
| "(0.2)", | |
| "(0.1)", | |
| "33%", | |
| "(0.2)", | |
| "8%" | |
| ], | |
| [ | |
| "-", | |
| "-", | |
| "n/m", | |
| "0.2", | |
| "n/m" | |
| ], | |
| [ | |
| "7.12%", | |
| "6.11%", | |
| "101 bps", | |
| "7.78%", | |
| "(66) bps" | |
| ], | |
| [ | |
| "40.0%", | |
| "40.3%", | |
| "(0.3)%", | |
| "33.9%", | |
| "6.1%" | |
| ], | |
| [ | |
| "(321)", | |
| "(150)", | |
| "(171) bps", | |
| "(326)", | |
| "5 bps" | |
| ] | |
| ], | |
| "caption": "Income statement", | |
| "text_representation": "Table: Income statement\nQ1-26 | Q1-25 | %∆ YoY | Q4-25 | %∆ QoQ\n0.8 | 0.6 | 33% | 0.8 | (6)%\n0.3 | 0.2 | 20% | 0.2 | 50%\n1.1 | 0.8 | 29% | 1.0 | 5%\n(0.4) | (0.3) | 28% | (0.3) | 27%\n0.7 | 0.5 | 30% | 0.7 | (7)%\n(0.2) | (0.1) | n/m | (0.2) | 12%\n0.4 | 0.4 | 4% | 0.5 | (14)%\n(0.3) | (0.2) | 24% | (0.2) | 87%\n0.1 | 0.2 | (25)% | 0.3 | (63)%\n(0.2) | (0.1) | 33% | (0.2) | 8%\n- | - | n/m | 0.2 | n/m\n7.12% | 6.11% | 101 bps | 7.78% | (66) bps\n40.0% | 40.3% | (0.3)% | 33.9% | 6.1%\n(321) | (150) | (171) bps | (326) | 5 bps", | |
| "metrics_found": [ | |
| "cor", | |
| "cost_income", | |
| "net profit", | |
| "nim", | |
| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 31, | |
| "slide_number": 30, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Balance sheet", | |
| "Mar-26", | |
| "Mar-25", | |
| "%∆ YoY", | |
| "Dec-25", | |
| "%∆ QoQ" | |
| ], | |
| "rows": [ | |
| [ | |
| "Total assets", | |
| "331", | |
| "281", | |
| "18%", | |
| "317", | |
| "4%" | |
| ], | |
| [ | |
| "Total gross loans", | |
| "191", | |
| "149", | |
| "28%", | |
| "179", | |
| "7%" | |
| ], | |
| [ | |
| "Deposits", | |
| "226", | |
| "190", | |
| "19%", | |
| "214", | |
| "6%" | |
| ] | |
| ], | |
| "caption": "(Cost of Risk)* (bps) (50) 34 (84) bps (110) 60 bps (3) 68 (71) bps (73) 70 bps (321) (150) (171) bps (326) 5 bps", | |
| "text_representation": "Table: (Cost of Risk)* (bps) (50) 34 (84) bps (110) 60 bps (3) 68 (71) bps (73) 70 bps (321) (150) (171) bps (326) 5 bps\nBalance sheet | Mar-26 | Mar-25 | %∆ YoY | Dec-25 | %∆ QoQ\nTotal assets | 331 | 281 | 18% | 317 | 4%\nTotal gross loans | 191 | 149 | 28% | 179 | 7%\nDeposits | 226 | 190 | 19% | 214 | 6%", | |
| "metrics_found": [ | |
| "cor", | |
| "cost_income", | |
| "deposits", | |
| "loans", | |
| "net profit", | |
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| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 31, | |
| "slide_number": 30, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Mar-26", | |
| "Mar-25", | |
| "%∆ YoY", | |
| "Dec-25", | |
| "%∆ QoQ" | |
| ], | |
| "rows": [ | |
| [ | |
| "280", | |
| "236", | |
| "19%", | |
| "269", | |
| "4%" | |
| ], | |
| [ | |
| "163", | |
| "126", | |
| "30%", | |
| "153", | |
| "7%" | |
| ], | |
| [ | |
| "195", | |
| "164", | |
| "19%", | |
| "185", | |
| "6%" | |
| ] | |
| ], | |
| "caption": "Balance sheet", | |
| "text_representation": "Table: Balance sheet\nMar-26 | Mar-25 | %∆ YoY | Dec-25 | %∆ QoQ\n280 | 236 | 19% | 269 | 4%\n163 | 126 | 30% | 153 | 7%\n195 | 164 | 19% | 185 | 6%", | |
| "metrics_found": [ | |
| "cor", | |
| "cost_income", | |
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| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 31, | |
| "slide_number": 30, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Mar-26", | |
| "Mar-25", | |
| "%∆ YoY", | |
| "Dec-25", | |
| "%∆ QoQ" | |
| ], | |
| "rows": [ | |
| [ | |
| "51", | |
| "45", | |
| "15%", | |
| "48", | |
| "6%" | |
| ], | |
| [ | |
| "28", | |
| "23", | |
| "22%", | |
| "26", | |
| "7%" | |
| ], | |
| [ | |
| "31", | |
| "26", | |
| "19%", | |
| "29", | |
| "5%" | |
| ] | |
| ], | |
| "caption": "Balance sheet", | |
| "text_representation": "Table: Balance sheet\nMar-26 | Mar-25 | %∆ YoY | Dec-25 | %∆ QoQ\n51 | 45 | 15% | 48 | 6%\n28 | 23 | 22% | 26 | 7%\n31 | 26 | 19% | 29 | 5%", | |
| "metrics_found": [ | |
| "cor", | |
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| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 32, | |
| "slide_number": 31, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "Monetary\nassets", | |
| "" | |
| ], | |
| "rows": [ | |
| [ | |
| "Non-monetary\nassets", | |
| "" | |
| ] | |
| ], | |
| "caption": "", | |
| "text_representation": "Monetary\nassets\nNon-monetary\nassets | ", | |
| "metrics_found": [ | |
| "cor", | |
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| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 32, | |
| "slide_number": 31, | |
| "section_heading": "Income Statement", | |
| "headers": [ | |
| "", | |
| "Monetary\nliabilities" | |
| ], | |
| "rows": [ | |
| [ | |
| "", | |
| "Equity" | |
| ], | |
| [ | |
| "", | |
| "Non-monetary\nliabilities" | |
| ] | |
| ], | |
| "caption": "", | |
| "text_representation": "Monetary\nliabilities\n | Equity\n | Non-monetary\nliabilities", | |
| "metrics_found": [ | |
| "cor", | |
| "cost_income", | |
| "net profit", | |
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| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 33, | |
| "slide_number": 33, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "" | |
| ], | |
| "rows": [ | |
| [ | |
| "240%" | |
| ] | |
| ], | |
| "caption": "", | |
| "text_representation": "\n240%", | |
| "metrics_found": [ | |
| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 35, | |
| "slide_number": 34, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "", | |
| "", | |
| "", | |
| "", | |
| "" | |
| ], | |
| "rows": [ | |
| [ | |
| "12.4\n12.0\n7.0\n6.0\n2.6\n0.5\n2022 2023 2024", | |
| "12.4", | |
| "12.0", | |
| "7.0\n6.0\n2.6\n0.5", | |
| "4.9\n4.5 4.5 4.8 4.0\n3.4\n2025e 2026f 2027f" | |
| ] | |
| ], | |
| "caption": "", | |
| "text_representation": "\n12.4\n12.0\n7.0\n6.0\n2.6\n0.5\n2022 2023 2024 | 12.4 | 12.0 | 7.0\n6.0\n2.6\n0.5 | 4.9\n4.5 4.5 4.8 4.0\n3.4\n2025e 2026f 2027f", | |
| "metrics_found": [ | |
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| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 35, | |
| "slide_number": 34, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "", | |
| "" | |
| ], | |
| "rows": [ | |
| [ | |
| "", | |
| "0.5" | |
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| "caption": "", | |
| "text_representation": "\n | 0.5", | |
| "metrics_found": [ | |
| "revenue" | |
| ] | |
| }, | |
| { | |
| "doc_id": "emiratesnbd_investor_presentation_2026_q1", | |
| "doc_name": "Emiratesnbd Investor Presentation 2026 Q1", | |
| "page_number": 35, | |
| "slide_number": 34, | |
| "section_heading": "Non-Funded Income", | |
| "headers": [ | |
| "", | |
| "" | |
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| "rows": [ | |
| [ | |
| "", | |
| "2.6" | |
| ] | |
| ], | |
| "caption": "", | |
| "text_representation": "\n | 2.6", | |
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| } | |
| ] |