COVID-19 Response and Financial Performance
Funding Sources and Liquidity
Funding Sources (AED bn)
Due to banks & Fls
Other payables
Sukuk
■ Equity
Customers' Deposits
Customers' Deposits (AED bn)
Customer Deposits
Net Financing to Deposit Ratio*
بنك دبي الإسلامي
Dubai Islamic Bank
Liquidity Coverage Ratio (LCR)
Liquidity Coverage Ratio (%)
299
142%
93%
92%
92%
17
121%
232
ྂསྐབ
224
40
35
34
12
15
855
19
215
215
156
164
156
164
Dec 2018
Dec 2019
Sept 2020
101%
Dec 2018
Dec 2019
Sept 2020
Sept 2019
Dec 2019
Sept 2020
Highlights
Customer Deposits (AED 215 bn as at 30 September 2020)
By Type
By Business
•
Savings
Account,
17%
Consumer, 42%
Current
Account,
21%
Investment
Deposits, 61%
Wholesale,
58%
*Net Financing to Deposit Ratio excludes Bilateral Sukuk.
•
.
•
The bank's liquidity position remained robust at 92%, despite
market-leading growth.
Strong growth in deposits, with an increase of 31% YTD indicates
strength of the franchise to mobilize liquidity despite the current
operating environment.
CASA jumps 52% YTD, now constituting 39% of deposits.
DIB credit continues to be attractive in the capital markets space,
and in June 2020, the bank successfully raised USD 1.3 billion
Sukuk (including tap), which was subscribed nearly 4.5 times.
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