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Investor Presentaiton

Funding and liquidity Highlights Advances to Deposit and Liquidity Coverage Ratio (%) • Q2-20 LCR of 152.5% and AD ratio of 96.1% demonstrate the Group's continuing healthy liquidity LCR (%) AD Ratio (%) 250 100 196.5 195.3 198.8 • Liquid assets of AED 102 Bn as at Q2-20 (17% of total liabilities and 22% of total deposits) 188.8 200 158.7 160.0 149.3 149.7 152.5 150 • In H1-20, AED 10.9 billion of term funding issued including two benchmark senior public bond issues and AED 7.3 billion of private placements with maturities out to 20 years 95 100 96.1 95.2 In Q2, we issued $483m of private placements with a 12.1 year weighted average life 94.8 50 94.4 94.3 94.0 92.6 92.1 91.8 0 90 • 93% of term liabilities maturing in 2020 re-financed during H1-20. Only AED 800m to be re-financed Q2 18 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 LCR % ADR % Composition of Liabilities/Debt Issued (%) Liabilities (AED 612.9 Bn) Debt/Sukuk (AED 56.0 Bn) Banks 10% Maturity Profile of Debt Issued (AED Bn) Maturity Profile of Debt/ Sukuk Issued AED 56.0 Bn Customer deposits 75% Others 6% Debt/Sukuk 9% EMTNS 7% *Including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 16.1 0.3 Syn bank DenizBank Club Deal Public & Private Placement borrow. 1% 7.3 10.0 Loan secur. 8.2 0% 6.9 Sukuk 5.3 1% 4.5 2.3 8.5 2.7 2.3 3.0 2020 2021 2022 2023 2024 2025 2026 - - 2035 Beyond 2035 Financial & Operating Performance 20
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