Investor Presentaiton
Capital adequacy
Capital (USD billion)
Highlights
Income
Expenses
Risk
Capital
Liquidity
Macro
Divisional
22.2
1.3
•
(0.9)
18.3
2.5
(0.2)
0.1
(1.5)
18.4
2.5
CET1
31-
Dec-20
Profit Proposed Interest ECL
Dividend on AT1 add-back
OCI and
Others
CET1
T1
T2
31-
Dec-21
Capital
31-
Dec-21
Risk Weighted Assets (USD billion)
Key Highlights
CET-1 ratio improved 0.1% during 2021 as
-
USD 2.5bn of retained earnings offset
-
USD 0.9bn of proposed dividend
USD 1.5bn impact on FV and currency translation reserve
-
RWAs broadly stable during the year
• Tier 1 ratio and CAR 0.2% lower following AT1 management in 2021
•
Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement
TESS provides further 3% temporary relief until June-22
CET-1 at 14.6% excluding ECL regulatory add-back
Capital Ratios %
121.5
120.9
123.3
122.7
121.5
19.0
19.2
18.5
18.7
18.3
DenizBank
-1%
T2%
1.1
34.6
33.3
33.1
1.1
1.1
1.1
32.8
30.1
1.1
2.3
2.0
AT1%
2.4
2.0
2.1
Operational Risk
8.5
8.5
8.5
8.5
8.4
3.3
2.7
3.5
3.0
2.6
Market Risk
CET1%
15.0
15.6
15.6
16.1
15.1
Credit Risk
75.1
76.4
78.2
78.5
80.4
Q4 20
Q1 21
Q2 21
Q3 21
Q4 21
Q4 20
Q1 21
Q2 21
Q3 21
Q4 21
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