Investor Presentaiton
Capital adequacy
Capital (USD billion)
•
22.5
1.4
18.4
18.6
2.5
0.7
(0.3)
0.0
(0.2)
CET1
31-Dec-21
Profit
OCI and
Others
Interest ECL CET1
on AT1 add-back 31-Mar-22
T1
T2
Capital
31-Mar-22
Risk Weighted Assets (USD billion)
Highlights Income
Expenses
Risk
Capital
Liquidity Divisional
Key Highlights
•
CET-1 ratio marginally lower by 0.1% during 2022 as
-
-
USD 0.7bn of retained earnings largely offset
USD 0.3bn impact on currency translation reserve and others
USD 0.2bn reduction in ECL addback
3% increase in RWAs
Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement
• ECL add-back phased out by 25% in 2022
• CET-1 at 14.6% excluding ECL regulatory add-back
Capital Ratios %
120.9
123.3
122.7
124.6
121.5
19.0
19.2
18.7
18.3
T2%
1.1
1.1
18.1
DenizBank
33.3
33.1
32.8
30.1
30.8
+3%
1.1
1.1
2.3
AT1%
2.0
2.0
1.1
2.1
2.0
Operational Risk
8.5
8.5
8.5
8.4
8.4
2.7
3.5
3.0
2.6
2.8
Market Risk
CET1%
15.6
15.6
16.1
15.1
15.0
Credit Risk
76.4
78.2
78.5
80.4
82.6
Q1 21
Q2 21
Q3 21
Q4 21
Q1 22
Q1 21
Q2 21
Q3 21
Q4 21
Q1 22
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