Investor Presentaiton
Funding and Liquidity
Highlights
Headline LTD ratio of 102.5% at Q3 2013
Loan to Deposit (LTD) Ratio (%)
The LTD ratio is being managed within a target range of
95%-105%
107.0
105.1
Liquid assets* of AED 33.7 billion as at 30 September 2013
(11.6% of total liabilities)
Debt maturity profile comfortably within existing funding
capabilities
Issued AED 3.67 billion of Tier 1 capital notes in 2013
Issued AED 3.12 billion of Tier 2 notes in 2013
Issued AED 3.08 billion of senior debt in 2013
102.0
99.9
99.2
97.9
Emirates NBD
102.5
100.6
98.9
Target range 95-105%
LTD Ratio (%)
Repaid AED 7.8 billion to Ministry of Finance in H1 2013
Q3 11 Q4 11
Q1 12 Q2 12
Q3 12
Q4 12 Q1 13
Q2 13
Q3 13
Liabilities and Debt Issued
Liabilities - AED 291 bn
Debt/Sukuk Others
Debt Issued - AED 21.45 bn
Sukuk
Composition of Liabilities/Debt Issued and Maturity Profile of Debt Issued (AED million)
Maturity Profile of Debt/Sukuk Issued
100% = AED 21.45 billion
5,821
Banks
7%
9%
17%
5%
3,708
Loan securitisations
3,061
3,100
14%
1,253
1,174
1,560
1,504
69%
43
226
0
78%
EMTNS
2013
2014 2015 2016 2017
2018
2019 2020 2021
2022
2023
Customer deposits
*including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities
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