Investor Presentaiton
Funding and Liquidity
Emirates NBD
•
Highlights
Headline AD ratio of 95.6% comfortably within the 90-100%
management target range
Liquid assets* of AED 46.9 Bn as at Q2-14 (15.4% of total
liabilities)
Debt maturity profile comfortably within funding capabilities
Advances to Deposit (AD) Ratio (%)
102.5
102.0
100.6
99.9
99.5
99.2
98.9--
95.3
95.6
Issued A$ 400 million of 5-year senior debt. Cheapest 5-year
funding that the bank has raised in the last 6 years
Modest maturity profile affords Emirates NBD ability to consider
public and private debt issues opportunistically
Q2 12
Q3 12 Q4 12 Q1 13 Q2 13
Q3 13
Q4 13
Q1 14
Q2 14
Target range 90-100%
AD Ratio (%)
Composition of Liabilities/Debt Issued (%)
Liabilities (AED 305.4 Bn) Debt/Sukuk (AED 24.1 Bn)
Customer
deposits
83%
■Banks
5%
■ Others
4%
■Debt/Sukuk
8%
■Syn bank Loan
borrow.
secur.
1%
1%
■EMTNS
5%
Maturity Profile of Debt Issued (AED Bn)
Maturity Profile of Debt/Sukuk Issued
100% = AED 24.1 Bn
2.32
1.66
5.89
4.64
3.04
1.48
0.53
0.33
3.61
0.65
■Sukuk
1%
2014
2015 2016 2017
2018
2019 2020 2022 2023 2024
*including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities
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