Emirates NBD Digital Banking Innovation Update
Funding & Liquidity
Advances to Deposit and Liquidity Coverage Ratio (%)
180
170
177.6
157.2
ADR %
LCR %
100
160
150
157.4
154.8
152.2
96
140
130
92
120
94.0
92.5
88
90.7
90.8
110
87.2
100
84
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
Composition of Liabilities and Debt Issued (%)
Customer
Deposits
76%
Banks
6%
Highlights Income
Liquidity
Risk
Expenses
Capital
Divisional
10
Key Highlights
LCR of 152.2% and ADR of 87.2% demonstrate healthy liquidity
Liquid assets* of AED 65 billion cover 10% of total liabilities, 14% of
deposits
AED 4.6 bn of term debt issued in 9M'22
Emirates NBD successfully issued a US$ 500m (AED 1.8 bn) 5-year
benchmark bond in October despite challenging market conditions
AED 4.8 bn maturities for remainder of 2022 covered through excess
issuance in 2020 and 2021
Maturity Profile of Debt/ Sukuk Issued AED 58.9 bn
18.0
0.0
10.9
0.4
9.6
Others
8%
8.0
0.4
7.6
17.9
1.0
6.4
0.0
4.8
0.5,
9.2
7.0
7.6
Debt/Sukuk
4.3
4.1
9%
2022
2023
2024
2025
2026
Beyond 2026
DenizBank
Club Deal
Public & Private Placement
*
*Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities
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