Dubai: Positioning for Future Growth
Capital Adequacy
Highlights Income Liquidity
Risk
Expenses Capital
Divisional
Capital
All figures are in AED bn
Key Highlights
90.6
5.4
9.1
76.1
(0.4)
0.4
8.6
67.5
•
CET-1 ratio improved by 0.4% to 15.5% during 2022 as
AED 8.6 bn of net earnings more than offset
10% increase in RWAS on the back of growth in retail and
corporate lending
Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement
CET-1 at 15.0% excluding ECL regulatory add-back
IAS 29 hyperinflation adjustment is capital neutral
CET1
31-Dec-21
Net
earnings
Interest
on AT1
ECL
add-back
CET1
30-Sep-22
T1
T2
Capital
30-Sep-22
Risk Weighted Assets
All figures are in AED bn
Capital Ratios %
+10%
489.9
479.2
451.1
457.9
19.2
446.4
18.3
1.1
18.1
18.5
18.0
DenizBank
117.3
122.6
T2%
1.1
2.0
1.1
1.1
1.1
113.1
120.4
110.5
2.1
1.9
AT1%
2.0
1.9
Operational Risk
30.8
30.8
30.8
31.3
30.8
11.2,
10.6
Market Risk
11.0
9.6
10.4,
16.1
CET1%
15.1
15.0
15.0
15.5
Credit Risk
288.3
295.5
303.6
320.0
325.9
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
Q3 21
Q4 21
Q1 22
Q2 22
Q3 22
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