Investor Presentaiton
Funding and liquidity
Advances to Deposit and Liquidity Coverage Ratio (%)
ADR %
LCR %
180
100
165.0 165.1
158.8
177.6
157.2
160
96
140
92
95.6
95.0
95.7
94.0
120
92.5
88
88
100
84
ळ
Q4 20
Q1 21
Q2 21
Q3 21
Q4 21
Composition of Liabilities and Debt Issued (%)
Customer
deposits
76%
Highlights
Income
Expenses
Risk
Capital
Liquidity
Macro
Divisional
Key Highlights
• LCR of 177.6% and ADR of 92.5% demonstrate healthy liquidity
·
Liquid assets of USD 19.3 billion cover 12% of total liabilities; 15% of deposits
• USD 7.5bn issuance during the year, taking advantage of historically low cost of
term funding
• USD 3.4 bn debt maturing in 2022 comfortably within Group's capabilities
Maturity Profile of Debt/ Sukuk Issued USD 18.2bn
Banks
7%
Others
6%
3.4
0.6
0.0
3:
3.3
2.8
2.6
0.1
2.4
0.1
2.0
0.1
1.7
1.7
3.3
2.8
2.3
1.9
Debt/Sukuk
0.9
11%
2022
2023
2024
2025
2026 -
2029 -
- 2028
- 2035
Beyond
2036
DenizBank
Club Deal
Public & Private Placement
*Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities
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