Investor Presentaiton
Funding Sources and Liquidity
Funding Sources (AED bn)
I Due to banks & Fls
■Other payables
Equity
Sukuk
■Customers' Deposits
314
290
288
280
13
14
12
13
3
8
10
47
43
41
44
20
19
21
22
222
206
206
199
2020
2021
Customer Deposits (AED 222 bn as at 31 Dec 2023)
Investment
Deposits,
63%
2022
By Type
By Business
Current
Account,
19%
Consumer, 40%
Savings
Account,
18%
*Net Financing to Deposit Ratio excludes Bilateral Sukuk
2023
بنك دبي الإسلامي
Dubai Islamic Bank
#Ready For TheNew
Liquidity Coverage Ratio (LCR)
Liquidity Coverage Ratio (%)
189%
150%
136%
129%
2020
2021
2022
2023
Highlights
0
Wholesale, 60%
•
•
•
Liquidity remains robust:
➤LCR at 189%
NSFR at 106%.
CASA deposits now stand at AED 82 billion,
flat QoQ and accounts to 37% of deposits.
Wakala (investment deposits) share of total
deposits remains elevated at 63% in light of
the rate environment.
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