Emirates NBD Investor Presentation Q1 2022
Funding and liquidity
Advances to Deposit and Liquidity Coverage Ratio (%)
180
165.1
158.8
157.2
160
ADR %
LCR %
100
177.6
157.4
96
140
92
95.0
95.7
94.0
120
92.5
88
90.7
88
100-
84
Q1 21
Q2 21
Q3 21
Q4 21
Q1 22
Composition of Liabilities and Debt Issued (%)
Customer
deposits
77%
Banks
7%
Others
6%
Highlights
Income
Expenses
Risk
Capital
Liquidity
Divisional
Key Highlights
• LCR of 157.4% and ADR of 90.7% demonstrate healthy liquidity
•
Liquid assets* of AED 67.7 billion cover 11% of total liabilities, 14% of deposits
• AED 9.7 bn maturities in remainder of 2022 comfortably within Group's
capabilities compared to average issuance of AED 22 bn over last four years
Maturity Profile of Debt/ Sukuk Issued AED 64.2bn
19.7
2.9
10.2
9.7
0.4
1.6
7.5
20
9.2
7.9
0.4
0.0
16.8
.0.6
6.4
Debt/Sukuk
8.1
8.8
7.9
6.9
11%
3.4
2022
2023
2024
2025
2026
Beyond 2026
DenizBank
Club Deal
Public & Private Placement
*Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities
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