Emirates NBD Q2 2022 Financial Results
Funding and liquidity
Advances to Deposit and Liquidity Coverage Ratio (%)
ADR %
LCR %
100
180
158.8
177.6
157.2
160
Highlights
Income
Risk
Expenses
Capital
Liquidity Divisional
Key Highlights
•
•
OLCR of 154.8% and ADR of 90.8% demonstrate healthy liquidity
Liquid assets* of AED 63 billion cover 10% of total liabilities, 13% of deposits
• AED 3.7 bn of term debt issued in H1-22
DenizBank successfully upsized its 1-year rolling syndicated loan in June to
AED 1.7 bn with issuance in three currencies
AED 6.7 bn maturities for remainder of 2022 covered through excess issuance
in 2020 and 2021
96
•
157.4
154.8
92
•
140
95.7
94.0
92.5
120
88
90.7
90.8
88
100
Q2 21
Q3 21
Q4 21
Q1 22
Q2 22
Composition of Liabilities and Debt Issued (%)
Customer
deposits
75%
Banks
7%
84
.
Maturity Profile of Debt/ Sukuk Issued AED 60.3 bn
18.1
.0.0
10.6
Others
8%
0.4
9.5
7.6
0.4
7.8
18.1
6.7
0.7
0.0
6.4
0.9
9.1
Debt/Sukuk
7.0
7.8
5.8
3.8
11%
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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