Investor Presentaiton
Funding and Liquidity
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Highlights
Headline LTD ratio of 98% at Q1 2012 vs. 105% at Q4 2011 due to balance
sheet optimisation initiatives
The LTD ratio is being managed to the target range of c.95%-100%
Liquid assets (excl. Investments) of AED 52 billion as at 31 March 2012
(18% of total assets);
Debt maturity profile well within existing funding capacity
117% 19%
Issued AED 7.4 billion medium term debt in Q1 2012
Debt/ Sukuk
Issued
9%
Emirates NBD
Banks
7%
Composition of Liabilities
100% AED 262b
Customer
deposits
80%
Headline Loan to Deposit Ratio (%)
129%
126%127%
122%
118%118%
111%
107% 105%
103%101%
98%
98%
96%
Target LTD Ratio of 95-100%
Q2 Q3 Q4 Q1
8
Q2 Q3
8
Q4
01
09 09 10 10 10 10 11 11 11 11 12
118
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1
08 08 08 08
80
889
180
09 09
Others
4%
8,184
Maturity Profile: Debt Issued (AED million)
100% = AED 22.3b
5,685
6,283
2,187
1,379
731
726
2,527
979
589
1,504
1,133
2012
2013
2014
2015 2016 2017
2018
2019
2020
Q1 Q2 Q3 Q4
Note: Debt Issued includes EMTNS of AED 12 billion, syndicated borrowings from banks of AED 5.5 billion and
borrowings raised from loan securitisations of AED 1.6 billion
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