Financial & Operating Performance
Appendix
Strategy
Financial & Operating Performance
Emirates NBD Profile
Operating Environment
Emirates NBD
21
Funding and Liquidity
Highlights
•
Liquidity Coverage Ratio (LCR) of 146.0% and AD ratio of
93.1% demonstrates healthy liquidity position
Liquid assets of AED 71.9 Bn as at Q4-17 (17.5% of total
liabilities)
Debt & Sukuk term funding represent 11% of total liabilities
•
In 2017, AED 10.2 Bn of term-debt issued in
maturities out to 20 years
Advances to Deposit (AD) Ratio (%)
118.5
98.1
currencies with
105.1
102.0
99.5
95.9 96.1
95.2
94.2
95.0 94.4
92.8 93.4 92.5
93.1
Maturities of AED 5.9 billion in 2018 allow the Group ability to
consider public and private debt issues opportunistically
Q4 Q4 Q4 Q4 Q4
09
8
22
Q4 Q4
Q1
Q2 Q3 Q4
10 11 12 13 14 15
16
16 16 16 17
1875
187
Q1 Q2 Q3 Q4
17
17
Target range
AD Ratio
Composition of Liabilities/Debt Issued (%)
Liabilities (AED 411 Bn) Debt/Sukuk (AED 45.3 Bn)
Maturity Profile of Debt Issued (AED Bn)
Maturity Profile of Debt/Sukuk Issued
AED 45.3 Bn
Customer
deposits
80%
Banks
5%
Others
4%
Debt/Sukuk
11%
EMTNS
8%
Syn bank
borrow.
2%
13.3
Loan secur.
0%
Sukuk
7.2
5.9
1%
7.9
5.4
ميل
3.7
0.5
0.2 0.1
0.8
0.3 0.2
2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2032 2037
*Including cash and deposits with Central Banks but excluding interbank balances and liquid investment securitiesView entire presentation