UAE Economic and FY 2012 Financial Results Update
Funding and Liquidity
Highlights
Loan to Deposit (LTD) Ratio (%)
Emirates NBD
• Headline LTD ratio of 102% at end-2012
• The LTD ratio is being managed to the revised
target range of c.95%-105%
Liquid assets* of AED 30.8 billion as at 31
December 2012 (11% of total liabilities)
• Debt maturity profile well within existing funding
capacity
⚫ Issued AED 14.9 billion medium term debt during
2012
128.7
127.0
125.8
121.8
119.3
117.1
118.218.5
110.8
LTD Ratio (%)
107.0
105.1
103.1
102.0
101.2
99.999.2
98.1
97.9
96.3
91.7
T
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
08 08 08 08 09 09 09 09 10 10 10 10 11 11 11 11 12 12 12 12
Composition of Liabilities/Debt Issued and Maturity Profile of Debt Issued (AED million)
Liabilities - AED 272 bn
Debt/Sukuk Others
Liabilities and Debt Issued
Debt Issued
Sukuk
=
AED 20.9 bn
18%
Maturity Profile of Debt/Sukuk Issued
100% = AED 20.9 billion
Banks
8%
5%
8%
4,426
5,940
4,400
Loan securitisations
16%
1,477
1,276
1,513
1,627
66%
79%
26
180
0
EMTNS
2013 2014
2015 2016 2017
2018
2019
2020
2021
2022
Customer deposits
*including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities
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