2023 年阿联酋银行业总资产达 4.1 万亿阿联酋迪拉姆

阿联酋银行的居民和非居民客户存款总额同比增长 13.5%，达到 25 亿迪拉姆

In 2023, the Central Bank of the UAE reported that the total assets of banks operating in the UAE reached a record Dhs4.1tn, an 11 per cent increase year over year (YoY). The banking sector in the Gulf state is positioned for further growth and recovery in 2024. Quarterly, the total assets of banks increased by 3.1 per cent quarter-on-quarter in Q4 2023. 

此外，截至 2023 年 12 月底，阿联酋银行的居民和非居民客户存款总额按季度（QoQ）增长了 4.2%，按年增长了 13.5%，达到 25 亿迪拉姆。

Moody’s noted that UAE banks primarily rely on low-cost, sticky deposits for funding, constituting 78 per cent of their funding base in 2023. Furthermore, a healthy 74 per cent net loans to deposits ratio indicates that the banking system in the country does not structurally depend on market funding for lending activities.

阿联酋中央银行报告称，2023 年第四季度，在海湾国家运营的银行储备达到 887 亿迪拉姆，环比增长 5.2%。截至 2023 年 12 月底，总资本充足率保持在 17.9% 的强劲水平，远高于央行规定的 13% 的要求。

截至 2023 年第四季度末，中央银行的外国资产季度增长 16.7%，达到 6,812 亿迪拉姆。这一增长归因于经常账户余额和海外银行存款的季度增长，增幅为 27%，达到 944 亿迪拉姆，同时外国证券增长了 10.6%，达到 179 亿迪拉姆。

货币供应量 M1（包括银行外流通货币和货币存款）在 2023 年第四季度环比增长了 4.2%。按年度计算，截至 12 月，M1 增长了 12.4%，达到 8,293 亿迪拉姆。

2023 年第四季度，阿联酋银行业的流动资产飙升至 7,420 亿迪拉姆，比去年同期的 5,763 亿迪拉姆增长了 29% 或 1,657 亿迪拉姆。

流动资产的增加标志着阿联酋银行业的积极趋势，表明银行拥有足够的资产来履行其短期债务。

Moody’s revised the outlook for the UAE banking system to positive from stable, citing a “resilient and dynamic non-oil economy” that will continue to present favorable operating conditions.

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