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
20View entire presentation