Investor Presentaiton
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
The table below summarises the maturity profile of the Group's financial liabilities at 31 December 2021 based on contractual undiscounted repayment obligations.
Repayments which are subject to notice are treated as if notice was given immediately. However, the Group expects that many customers will not request repayment
on the earliest date, the Group could be required to pay and the table does not reflect the expected cash flows indicated by the Group's deposit retention history.
Carrying Gross nominal
amount
As at 31 December 2021
AED 000
outflows
Within 3
months
AED 000
AED 000
Over 3 months
to 1 year
AED 000
Over 1 year to
3 years
Over 3 years to
AED 000
5 years
AED 000
Over 5 years
AED 000
46
RISK MANAGEMENT (CONTINUED)
Q.
Analysis of financial liabilities by remaining contractual maturities
119
EMIRATES NBD BANK PJSC - GROUP CONSOLIDATED FINANCIAL STATEMENTS - FOR THE YEAR ENDED 31 DECEMBER 2021
Due to banks
Customer deposits
43,755,207 (45,282,934) (22,759,954)
456,483,888 (458,311,230) (376,859,622)
(14,532,555)
(6,924,132)
(730,189)
(336,104)
(69,768,775)
(7,751,496)
(3,416,544)
(514,793)
Debt issued and other
borrowed funds
Sukuk payable
63,387,228
3,672,500
(72,399,645)
567,298,823
Letters of credit and
guarantees
Irrevocable loan
commitments
(5,842,868)
(3,986,873)
(17,945)
(579,980,682) (405,480,389)
76,250,374 (76,250,374) (30,515,789)
39,998,828 (39,998,828) (15,623,032)
(8,277,178)
(54,831)
(92,633,339)
(26,059,123)
(11,923,883)
(20,732,266)
(145,750)
(7,503,410)
(11,127,355)
(15,086,570) (22,460,763)
(35,553,644) (23,001,650) (23,311,660)
(3,436,055)
(465,712)
(3,768,347)
(8,735,997)
(858,846)
Financial liabilities
120
46
RISK MANAGEMENT (CONTINUED)
Q.
Analysis of financial liabilities by remaining contractual maturities (continued)
Carrying Gross nominal
Within 3
Over 3 months
Over 1 year to
Over 3 years to
As at 31 December 2020
amount
outflows
months
AED 000
AED 000
AED 000
to 1 year
AED 000
3 years
AED 000
5 years
AED 000
Over 5 years
AED 000
NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2021
Financial liabilities
Due to banks
Customer deposits
51,672,068 (52,709,201) (23,612,403)
464,197,034 (466,284,972) (372,502,213)
(15,133,712)
(9,534,696)
(75,918,239)
Debt issued and other
borrowed funds
Sukuk payable
54,662,670
5,510,933
576,042,705
Letters of credit and
69,204,378
guarantees
Irrevocable loan
33,506,436
(64,538,113)
(5,726,239)
(589,258,525)
(69,204,378)
(33,506,436)
(1,841,542)
(40,908)
(397,997,066)
(28,892,649)
(13,472,660)
(13,712,800)
(3,721,776)
(108,486,527)
(20,557,314)
(13,408,543)
(13,655,389)
(15,997,014)
(68,148)
(39,255,247)
(8,896,108)
(6,501,605)
(4,146,227)
(3,707,182)
(11,076,141)
(282,163)
(501,949)
(21,910,616)
(1,895,407)
(20,824,957) (22,694,728)
(804,956)
(5,860)
(10,053,351)
(117,768)
commitments
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