Investor Presentaiton
= UAE Banking Sector Update (2)
Strong sector capitalization and liquidity but lower rate environment impacting profitability
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مصرف أبوظبي الاسلامي
ADIB
Capitalization (%)
Liquidity (%)
19%
18.2%
90%
81.0%
77.6%
77.3%
17.7%
80%
82.3%
79.4%
18%
17.2%
17.5%
70%
17%
17.1%
60%
16%
16.2%
17.1%
50%
16.5%
16.0%
40%
16.1%
15%
30%
18.1%
18.4%
19.6%
14.3%
20%
14%
14.9%
14.7%
14.2%
17.5%
19.0%
10%
14.2%
13%
0%
2018
2019
2020
2021
1Q 22
2018
2019
2020
2021
1Q 22
-CET1 ratio
T1 ratio
CAR ratio
Interest Rates (%)
3%
2.57%
3%
2.38%
2%
2.33%
2%
1%
1%
0%
2018
Lending to Stable Resources Ratio
Eligible Liquid Assets Ratio (ELAR)
Yield and Funding Cost (%)
6%
5.50%
5%
4%
5.00%
3.80%
3.60%
3.80%
3%
1.32%
1.60%
0.65%
2%
1.03%
1.70%
1.00%
0.37%
0.80%
1%
0.80%
0.21%
2021
0%
1H 22
2018
2019
2020
2021
1Q 22
0.43%
2019
2020
LIBOR: USD 3M Average
Sources: UAE Central Bank, S&P Capital IQ
EIBOR: AED 3M Average
Average cost on bank deposits
Average yield on credit
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