Growth and Diversification of Asset Base
Growing deposit base and healthy liquidity standing
Growing and diverse liability base
Diverse funding base, with growing stable funding from Customer
Deposits and Margins (growing by 19% between 2018 and June 2020).
Cost of funds has remained stable between 2018 and June 2020. With a
consistently healthy NIM over the last period.
Liquidity Coverage Ratio (LCR) stands at 142% as of June 2020, well
above 100% regulatory minimum.
Loan to deposit ratio at an average of 80%.
Growing deposit base, with healthy growth in CASA balances
ā
All values in USD millions
Stable non-current deposit base at ~65% of total deposits, with non
interest-bearing deposits up from 19.8% in 2019 to 31.8% in June 2020.
Total deposits grew by 20% between 2018 and June 2020, with CASA
balances growing by 12% during the same period.
Deposit composition comprises of Retail (55%), Institutional (36%) and
Government (8%) as of June 2020.
Liabilities Breakdown
Deposit Breakdown
Segment Breakdown
+37%
+20%
3,156
2,115
3%
SME
5%
1,842
1,760
8%
11%
598
745
(35%)
Gov.
Current
667
2,594
(32%)
Corporate
31%
3%
& Savings
(38%)
12%
2,296
11%
Other liabilities
3%.
Loans & Subordinated
9%
6%
1,370
1,244
Deposits
1,093
FI Deposits
3%
80%
74%
& CDs
(62%)
(68%)
(65%)
Retail
55%
85%
Customer Deposits
& Margins
2018
2019
June 2020
2018
2019
June 2020
June 2020
18View entire presentation