Investor Presentation Q3 2021
Funding and liquidity
Advances to Deposit and Liquidity Coverage Ratio (%)
110
170
165.0
☐ 165.1
161.7
160
158.8
157.2
105
150
ADR %
LCR %
100
140
130
95
120
96.6
95.6
95.0
95.7
94.0
90
110
100
85
85
Q3 20
Q4 20
Q1 21
Q2 21
Q3 21
Composition of Liabilities and Debt Issued (%)
Customer
deposits
76%
Banks
8%
Others
6%
Highlights
Income
Expenses
Risk
Capital
Liquidity
Macro
Divisional
Key Highlights
• LCR of 157.2% and ADR of 94.0% demonstrate healthy liquidity
·
Liquid assets* of USD 19.6 billion cover 12% of total liabilities; 15% of deposits
• USD 6.0bn issuance during the year, taking advantage of historically low cost of
term funding
• Debt maturity profile comfortably within Group's capabilities
3.2
0.4
Maturity Profile of Debt/ Sukuk Issued USD 17.4bn
2.8
2.7
2.6
0.1
0.3
2.6
0.5
Debt/Sukuk
1.7
1.8
1.3
2.8
2.8
0.0
2.3
1.2
0.8
0.3
10%
0.1
2021
2022
2023
2024
2025
2026 -
2029 -
- 2028
- 2035
Beyond
2036
DenizBank
Club Deal
Public & Private Placement
*Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities
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