GCC Fixed Income: 1H 2015 Chart book. 9 July, 2015



Similar documents
GCC Credit Ratings Handbook. 22 January, 2016

GCC credit rating handbook. 14 July, 2015

GCC Credit Ratings Handbook. 19 May, 2016

KAMCO Investment Research. MENA Fixed Income Report

UAE Banking sector overview June 2015

New Impala Bond Offering: Scottish Widows plc. September 2013

GCC Infrastructure Credit Quality

GCC in times of cheap oil: an opportunity for economic reform and diversification

Overview of Takaful Insurance from a credit perspective

The Growing Importance of Fixed Income Analytics

Capital preservation strategy update

Global high yield: We believe it s still offering value December 2013

09/03/2015. The Changing Landscape of The Global High Yield Market. What makes the High Yield Market So Appealing

Investor Presentation First Quarter (Q1)

Guggenheim Investments. European High-Yield and Bank Loan Market Overview

GE Capital. Liquidity and Funding Overview. Global issuer of long and short term debt third quarter

Quarterly Asset Class Report Institutional Fixed Income

Dubai Islamic Bank. Investor Presentation September 30 th

Dubai Islamic Bank. Investor Presentation June 30 th

MENA Bond Market: Untapped Potential and its Impact on Your Portfolio

Managing Currency Mismatch. May 2010

Municipal Bond Market Weekly

Opportunities and risks in credit. Michael Korber Head of Credit

Fresno County Employees Retirement System Core Plus & MSFD

Dubai Islamic Bank. Investor Presentation. Year End 2010

Introduction to the Nordic Non-Investment Grade Corporate Bond Market

High yield bonds. US senior loans update. required disclosures begin on page 4.

GE Capital. Long Term Debt Overview. Unsecured debt with maturities from 1-30 years

Markaz Volatility Indices (MVX)

Treasury Yield Curve (percent) 2-yr/10-yr Treasury Spread (bp) 10-year Corporate Spreads (bp) 5-yr Investment Grade Corporate CDS Markit (bp)

Markit itraxx Europe Index Rules

Turkish Arab Economic Forum June 29, Mehmet Şimşek. Minister of Finance

The Norwegian High Yield Bond Market. Marine Finance Forum New York, Nov 9, 2010

SSgA CAPITAL INSIGHTS

Emerging Markets Local Currency Debt and Foreign Investors

Municipal Bond Market Weekly

March Default Report. Global Corporate Default Rate Ends Q at 2.4% Default rates down again. Global default rate to finish this year at 2.

An Overview of Offshore RMB Market. Nov 2013

Treasury Bonds directly makes the Sub-Fund riskier than traditional exchange traded funds investing in A-Shares or in markets other than the PRC.

Understanding Fixed Income

JPMorgan Global Bond Fund. Global investing - A less volatile choice NEW. SFC-authorised global bond fund with RMB-hedged share classes*!

Cagamas Berhad National Mortgage Corporation of Malaysia

Oil Markets Update- October 2015

Bond Markets in Emerging Asia: Progress, Challenges, and ADB Work Plan to Support Bond Market Development. Asian Development Bank

NEWTON GLOBAL HIGH YIELD BOND FUND

Viewpoints is a publication exclusively for institutional prospects, clients and consultants.

High Yield Municipal Bond Outlook

Growing opportunities in Emerging Markets corporate bonds

GCC Markets. GCC Markets Performance March Global Research GCC Markets Performance Markets - GCC April 2013

Product Descriptions Credit Derivatives. Credit Derivatives Product Descriptions

Islamic Development Bank 'AAA/A-1+' Ratings Affirmed On Criteria Revision; Outlook Stable

Why high-yield municipal bonds may be attractive in today s market environment

The Hong Kong debt market in 2011

M&G Corporate Bond Fund

BMO Corporate Bond ETFs

DEBT/SUKUK CAPITAL MARKETS ON NASDAQ DUBAI

Glencore funding factsheet

Spectrum Insights. Bond and stock market around the same size Australian bonds vs Australian stock market

Wells Fargo Advantage High Yield Bond Fund

Long duration bond benchmarks for corporate pension plans

How To Understand The Turkish Economy

Fixed-income opportunity: Short duration high yield

The Key to Mobility. Creating Value with Financial Services. Fixed Income Investor Update - December Volkswagen Financial Services AG

Bond Market Momentum, Valuation and Risks

THE CASE FOR EMERGING MARKET CORPORATE BONDS October 2013

Investing in Bonds challenges and opportunities in 2015

Sukuk and its Growth across Major Islamic Financial Markets

High yield bonds. US senior loans update. begin on page 4.

Fixed Income 2015 Update. Kathy Jones, Senior Vice President Chief Fixed Income Strategist, Schwab Center for Financial Research

Questions and Answers About Senior Secured Loans

SHUAA Capital PSC INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Risks and Rewards in High Yield Bonds

FIXED INCOME INVESTORS HAVE OPTIONS TO INCREASE RETURNS, LOWER RISK

Case Studies on Sukuk Issuance

A strong year for retail bonds

Fixed Income Market Comments

Global High Yield. Diversification in the asset class. June 2016

INSTITUTIONAL INVESTMENT & FIDUCIARY SERVICES: Building a Better Portfolio: The Case for High Yield Bonds

Seeking a More Efficient Fixed Income Portfolio with Asia Bonds

UNLOCKING VALUE IN EUROPEAN HIGH YIELD

Are we living in a Bond Bubble? Oliver Sinnott Fixed Income Strategist April 2014

Floating-Rate Securities

Update Presentation with Larry Holzenthaler. January 2016

Assessing Sources of Funding for Insurance Risk Based Capital

Bond Market Insights October 10, 2014

CHAPTER 9 DEBT SECURITIES. by Lee M. Dunham, PhD, CFA, and Vijay Singal, PhD, CFA

Transcription:

GCC Fixed Income: 1H 15 Chart book 9 July, 15 1

Disclaimer To the fullest extent allowed by applicable laws and regulations, National Bank of Abu Dhabi PJSC (the Bank ) and any other affiliate or subsidiary of the Bank, expressly disclaim all warranties and representations in respect of this communication. The content is confidential and is provided for your information purposes only on an as is and as available basis and no liability is accepted for or representation is made by the Bank in respect of the quality, completeness or accuracy of the information and the Bank has undertaken no independent verification in relation thereto nor is it under any duty to do so whether prepared in part or in full by the Bank or any third party. Furthermore, the Bank shall be under no obligation to provide you with any change or update in relation to said content. It is not intended for distribution to private investors or private clients and is not intended to be relied upon as advice; whether financial, legal, tax or otherwise. To the extent that you deem necessary to obtain such advice, you should consult with your independent advisors. Any content has been prepared by personnel of the Global Markets at the Bank and does not reflect the views of the Bank as a whole or other personnel of the Bank. 2 2

Foreword Welcome to our 1H 15 chart book for the GCC fixed income market. The idea is very simple to give those of you who follow this market a quick snapshot of some of the key points in s of the following: Overview of spread performance in this market during the first half of 15 Primary Market issuance (and performance of these deals since they were printed) Secondary Market performance of key instruments (snapshot from 2 nd January to 3 rd July) We have deliberately made the report text-light in an attempt to make it easier to digest. Hopefully you will find it both interesting and useful. If you have any feedback on the report, or indeed would like to discuss any of the points highlighted, please do contact me. Regards, Chavan Bhogaita Market Insights & Strategy Global Markets NBAD Chavan.bhogaita@nbad.com +971 2 611 127 3 3

1/Jan 1/Feb 1/Mar 1/Apr 1/May 1/Jun 1/Jul 1/Jan 1/Feb 1/Mar 1/Apr 1/May 1/Jun 1/Jul GCC spread performance summary 1H 15 # 1: OAS spread (bps) rebased to # 2: YTD CDS performance (bps change) # 3: YTD CDS performance (bps change) 1 115 11 15 95 9 85 8 75 1 115 11 15 95 9 85 8 75 Japan (Current CDS: 44) Qatar (6) Abu Dhabi (58) Saudi Arabia (62) South Korea (52) -2-5 -5-23 -22 +37 Dubai (Current CDS: 191) +29 +21 +15 +16-36 South Africa (5) Indonesia (173) Bahrain (263) Malaysia (135) Turkey (2) +9 China (95) +52 Brazil (253) BUAEUL Index BUSA Index BEMI Index 1-1 - -3 6 5 4 3 1-1 - -3-4 3. 2.8 2.6 2.4 2.2 2. 1.8 Feb TY sell-off TY +47bps BUAEL +5bps # 4: 1yr Treasury yield vs BUAEUL yield May TY sell-off TY +31bps BUAEL +6bps TY +27 BUAEL +17 Pre FOMC sell-off on rate liftoff anticipation T +27 B -1 3. 2.8 2.6 2.4 2.2 2. 1.8 The GCC fixed income market has been relatively resilient during 1H 15 compared to EM and composite Investment Grade indices (chart #1). This market, which remains primarily dominated by UAE issuers, has also been far less volatile than the moves seen in 1-year US treasuries (chart #4). Greece s loan default on 3th June led to a spike in spreads, sending volatility to a record high. A No vote to austerity by the Greek population on July 5 further complicated the situation. The looming risk of Grexit and a possible Fed hike later this year is keeping investors somewhat wary. 1.6 1.6 BUAEL UAE Composite $ Bond Index; 1Y TY Yield BUAEUL Index Yield BUSA Investment Grade Composite $ Bond Index; BEMI Emerging Markets Inv Grade $ Bond Index 4 4 Source: Bloomberg; NBAD

GCC spread performance summary 1H 15 Top 5 / bottom 5 bond/sukuk performers (z-spread, bps) in each category from 2 nd Jan to 3 rd July Sovereigns Financials Abu Dhabi & Qatar Financials ex AD/Qatar QATAR 3-46 QNBK -44 DIBUH 49 (S) Jr Sub PERP */1/15-141 QATAR 4-4 COMQAT 19 Sub -28 DIBUH 49 (S) Jr Sub PERP -71 DUGB 23 (S) QATAR 42 DUGB 29 (S) -4-4 -35 ALKHAL 18 QNBK 18 ADCBUH 23 Sub CALL -27-26 -25 EBIUH 23 Sub CALL AUBBI 49 Jr Sub PERP *29/4/15 EBIUH 49 Jr Sub PERP -68-66 -54 +12 DUGB 17 (S) +11 FGBUH *24/2/15 +29 GULF 17 + RAKS 16 (S) +13 NBADUH *11/2/15 +3 GULINT 17 +22 ADWA SINK +15 FGBUH 17 (S) +31 HSBC 16 (S) +27 ADGB 19 +17 ADCBUH *1/3/15 +34 RAKBNK 19 +3 BHRAIN 18 (S) Unsec +31 UNBUH 16 +38 EBIUH 22 *23/3/15 4 3 1-1 - -3-4 -5 4 3 1-1 - -3-4 -5 75 5 25-25 -5-75 - -125-15 Inv. Grade Corporates Abu Dhabi Inv. Grade Corporates ex Abu Dhabi GCC Corporates Sub investment grade INTPET 26-49 EMIRAT 23 (S) SINK -45 DARALA 16 (S) -137 INTPET 41-36 KWIPKK -39 DUBAIH 17-113 INTPET 23-27 QTELQD 43-34 DARALA 18 (S) -17 DOLNRG 21 Sec -27 MAFUAE 24-23 DARALA 19 (S) -8 INTPET 16-26 QTELQD 16-22 FLYDU 19 (S) -42 +22 TAQAUH 18 +7 SABIC 18 JAFZSK 19 (S) -12 +24 MUBAUH 19 +7 MAFUAE 17 (S) EMAAR 19 (S) -9 +25 TAQAUH 6.165 17 +7 DPWDU *18/5/15 ALDAR 18 (S) -6 +25 TAQAUH 4.125 17 +17 OMGRID 25 *7/5/15 EMAAR 16 (S) -1 +39 MUBAUH 16 +29 DEWAAE 18 (S) +26 NAKHL 16 Dh (S) 4 3 1-1 - -3-4 -5 4 3 1-1 - -3-4 -5 75 5 25-25 -5-75 - -125-15 Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g. Unsec = Unsecured debt junior to Senior Unsecured debt; ; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; Callable, Puttable and Sinkable is highlighted by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; ** Instrument/issuer with borderline IG ratings (BBB-/Baa3) or below are considered as Sub-inv grade for comparison purpose; Source: NBAD; Bloomberg 5 5

GCC bond & sukuk issuance Total issuance (yearly comparison) Demand from investors remains strong 15 YTD 9.9 5.7 15.6 27 (/7) BOSUH 3.374% NBADUH 5.25% T1 NC5 33% 76% 17% 46% 3% 19% 2% 4% 2.x 2.x 14 18.5 13.7 32.2 52 (33/19) NBK 5.75 49 AT1 NC6 43% 15% 4% 2% 2.x 13 18.4 11.4 29.8 46 (3/16) BBK 3.5 NBADUH 2.25 4% 7% 14% 8% 46% 22% 2.3x 2.4x 12 18.2 14.1 32.2 45 (27/18) ETISLT 2.375% 19 Tap 5% 1% 4% 2.5x 11 1 21.1 4.8 25.9 23.2 2.4 25.6 33 (23/1) 29 (25/4) 4 8 12 16 24 28 32 Issuance in $ bn Conventional bond Sukuk No. of deals (Bond/Sukuk) BKDBOM 6.85% T1 NC5 RAKS 3.94 25 (S) EMIRAT (KHDRWY) 2.471% 25 (S) DPWDU 3.286% SIBUH 2.843 (S) 22% 44% 39% 55% 5% 63% 41% 21% 32% 25% 23% 33% 29% 32% % 14% % 25% 5% 75% % MENA Asia Europe & UK Others 2% Times oversubscribed 2.8x 3.5x 3.6x 6.x 7.2x Source: Bloomberg; NBAD For the above analysis we have considered the major hard currency deals done by GCC entities $/ / /A$ bonds/sukuks above $m in issue amount and maturity of one year or more. The deals include both fixed & floating rate issuances. Observation: Approximately US$ 16bn of new issues came from the GCC issuers during the first half of the year which was circa 5% of the total issuance we have seen in 14. The last deal was a $75m perpetual issue from NBAD before the month of Ramadan. Amid a volatile backdrop for global markets, demand for GCC primary issues was relatively robust as deals were well absorbed by the market as shown by the chart above. Some deals such as Sharjah Islamic Bank s 5-year sukuk and DP World s 5-year bonds were extremely well received with orderbooks oversubscribed by 7x and 6x, respectively. Issuers from the region may look for some more opportunistic funding during the second half of 15 as circa $8.5bn of paper is due for maturity by year end and another $4.5bn due in 1H 16. Furthermore, issuers may seek to lock in funding at low rates before the Fed hikes. 6 6

Major primary deals from the GCC in 15 YTD summary Issue DIBUH 6.75 49 (S) Jr Sub PERP Entity of Credit Risk Entity Type Domain Bond / Sukuk Moody's / S&P bond Size (mn) rating Tenor Pricing date Priced (bps) Spread on 3-Jul-15 Spread change Dubai Islamic Bank Fin Dubai S NR / NR $ Perpetual 14-Jan-15 MS+512.6 376. -136.6 HSBC Flt 17 HSBC Bank Middle East Fin Dubai B NR / NR $274 2-yr 3-Jan-15 71(Y) 24.4-46.6 NBADUH 2.25 National Bank of Abu Dhabi Fin Abu Dhabi B Aa3 / AA- $75 5-yr 4-Feb-15 MS+85 72.3-12.7 EBIUH 4.75 22 A$ Emirates NBD Fin Dubai B Baa1 / NR A$45 7-yr 11-Feb-15 T+252 4.6-47.4 FGBUH 2.625 First Gulf Bank Fin Abu Dhabi B A2 / NR $75 5-yr 17-Feb-15 MS+.4 +.4 HSBC Flt 18 HSBC Bank Middle East Fin Dubai B NR / NR $35 3-yr 23-Feb-15 87.9(Y) 37. -5.9 RAKBNK 3.25 19 Tap National Bank of Ras Khaimah Fin Ral Al Khaimah B Baa1 / NR $3 4-yr 23-Feb-15 33.1(Y) 38.1 +5.1 ADCBUH 2.625 Abu Dhabi Commercial Bank Fin Abu Dhabi B NR / A $75 5-yr 3-Mar-15 MS+97.5 98.6 +1.1 ISDB 1.831 (S) Islamic Development Bank Fin Saudi Arabia S Aaa / NR $ 5-yr 5-Mar-15 MS+8 21.2 +13.2 SIB 2.843 (S) Sharjah Islamic bank Fin Sharjah S A3 / NR $5 5-yr 1-Mar-15 284.3(Y) 273. -11.3 BBK 3.5 Bank of Bahrain & Kuwait Fin Bahrain B Baa3 / NR $4 5-yr 1-Mar-15 MS+ 213.6 +13.6 EBIUH 1.75 22 Emirates NBD Fin Dubai B Baa1 / NR 55 7-yr 16-Mar-15 MS+135 181.5 +46.5 RAKS 3.94 25 (S) Govt. of Ras Al Khaimah Sov Ral Al Khaimah S NR / NR $ 1-yr 24-Mar-15 MS+11 89.2 -.8 Source: Bloomberg; NBAD 7 7

Major primary deals from the GCC in 15 YTD summary Issue KHDRWY 2.471 25 (S) SINK NTBKKK 5.75 49 Jr Sub PERP Entity of Credit Risk Emirates Airline (UK s ECGD guaranteed) Entity Type Domain Bond / Sukuk Moody's / S&P bond Size (mn) rating Tenor Pricing date Priced (bps) Spread on 3-Jul-15 Spread change Corps Dubai S NR / NR $913 1-yr 24-Mar-15 MS+9 72.6-17.4 National bank of Kuwait Fin Kuwait B Baa3 / NR $7 Perpetual 1-Apr-15 MS+411.9 34.3-71.6 QNBK Flt 16 Qatar National Bank Fin Qatar B NR / NR 125 1-yr 14-Apr-15 12.1(Y) 66.7 +54.6 NOORBK 2.788 (S) AUBBI 6.875 49 Jr Sub PERP ETISLT 2.375% 19 Tap Noor Bank Fin Dubai S NR / NR $5 5-yr 21-Apr-15 MS+13 129. -1. Ahli United Bank Fin Bahrain B NR / NR $4 Perpetual 22-Apr-15 MS+538.7 421.9-116.8 Emirates Telecommunications Corp. Corp Abu Dhabi B Aa3 / AA- $4 4-yr 28-Apr-15 9.3 (Y) 221.2 +11.9 OMGRID 3.958 25 Oman Electricity Corps Oman B A3 / BBB+ $ 1-yr 29-Apr-15 T+19 187.5-2.5 EBIUH 3 Emirates NBD Fin Dubai B Baa1 / NR $35 5-yr 29-Apr-15 MS+15 125.7-24.3 DPWDU 3.25 DP World Ltd Corps Dubai B Baa3 / NR $5 5-yr 12-May-15 MS+155 151.7-3.3 DIBUH 2.921 (S) Dubai Islamic Bank Fin Dubai S Baa1 / NR $75 5-yr 18-May-15 MS+125 123.5-1.5 BKDBOM 6.85 49 Jr Sub PERP Bank Dhofar SAOG Fin Oman B NR / NR $3 Perpetual 19-May-15 685(Y) 669.7-15.3 BOSUH 3.374 Bank of Sharjah Fin Sharjah B NR / NR $5 5-yr 1-Jun-15 MS+175 179.8 +4.8 HSBC Flt 17 HSBC Bank Middle East Fin Dubai B NR / NR 251 2-yr 4-Jun-15 74.2(Y).2 +26. NBADUH 5.25 49 Jr Sub PERP National Bank of Abu Dhabi Fin Abu Dhabi B Baa3 / BBB- $75 Perpetual 1-Jun-15 MS+335 36.3-28.7 Source: Bloomberg; NBAD 8 8

15 GCC primary deals - performance in the secondary market since issue (spread change over pricing benchmark & price change since issue date) Spread change (in bps) Bond/Sukuk (Issue date) Cash price change -137-117 -72-47 -13-11 -17-21 -1-24 -3-3 -2-15 -29 unch +5 +1 +13 +14 +12 +5 +47 DIBUH 6.75 49 (S) Jr Sub PERP (14-Jan) NBADUH 2.25 (4-Feb) EBIUH 4.75 22 A$ (11-Feb) FGBUH 2.625 (17-Feb) RAKBNK 3.25 19 Tap (23-Feb) ADCBUH 2.625 (3-Mar) ISDB 1.831 (S) (5-Mar) SIB 2.843 (S) (1-Mar) BBK 3.5 (1-Mar) EBIUH 1.75 22 (16-Mar) RAKS 3.94 25 (S) (24-Mar) KHDRWY 2.471 25 (S) SINK (24-Mar) NTBKKK 5.75 49 Jr Sub PERP (1-Apr) NOORBK 2.788 (S) (21-Apr) AUBBI 6.875 49 Jr Sub PERP (22-Apr) ETISLT 2.375% 19 Tap (28-Apr) OMGRID 3.958 25 (29-Apr) EBIUH 3 (29-Apr) DPWDU 3.25 (12-May) DIBUH 2.921 (S) (18-May) BKDBOM 6.85 49 Jr Sub PERP (19-May) BOSUH 3.374 (1-Jun) NBADUH 5.25 49 Jr Sub PERP (1-Jun) -5.1-2. -2.3 -.3 -.2 -.2 -.6 -.3-1.1 -.5 -.4-1. +.1 +.3 +.1 +.5 +.1 +.4 +1.9 +1.8 +2.7 +3.8 +5.3-15 -125 - -75-5 -25 25 5-6. -4. -2.. 2. 4. 6. Note: (1) If the instrument is a "Sukuk", the ticker contains "(S)" next to the maturity year; The bracketed abbreviation on the end of the tickers refer to the pricing benchmarks on which the spread is indicative e.g. (M) stands for Mid swap ; (T) stands for Treasury ; (Y) stands for Yield ; All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; Source: NBAD; Bloomberg 9 9

QATAR 17 QATAR 18 (S) QATAR 19 QATAR z-spread (bps) QATAR 22 QATAR 23 (S) QATDIA QATAR 3 QATAR 4 QATAR 42 Sovereigns spread performance Qatar 19 18 17 16 15 14 13 1 11 9 8 7 6 5 4 3 1 unch -9 +3 2-Jan -15 3-Jul -24 Maturity -29 Curve on 2-Jan -3-46 Curve on 3-Jul Notes: (1) All bonds/sukuks are $ denominated; (2) If the instrument is a "Sukuk", the ticker contains "(S)" next to the maturity year; (3) ** Included QATDIA in Qatar Sov curve as it is explicitly Govt guaranteed; Source: NBAD -4-4 Qatar sovereign curve flattened during 1H on lack of supply and the move was more pronounced towards the long-end of the curve. 1 1

RAKS 16 (S) DUGB 17 (S) RAKS 18 (S) BHRAIN 18 (S) Unsec DUGB z-spread (bps) DUGB 21 PUTA DUGB 22 (S) DUGB 23 (S) RAKS 25 (S) *31/3/15 BHRAIN MUMTAK 21 (S) BHRAIN 22 BHRAIN 23 DUGB 29 (S) DUGB 43 BHRAIN 44 Unsec Sovereigns spread performance Dubai, Bahrain & RAK 4 375 35 325 3 Interestingly Bahrain curve flattened significantly during Q2 as the curve was trading wide during Q1 on concerns of low oil price which triggered a rating downgrade from S&P in February (to BBB- from BBB with negative outlook). Indeed Moody s also downgraded the sovereign by one notch in April to Baa3 and assigned a negative outlook citing same concerns. However, market seems to be comfortable with the credit risk as spreads have tightened during Q2. -2-12 275 25 225-31 -31-35 175 15-33 +1 125 75 5-4 +3 - -21-21 -4-23 25 +12 + Maturity 2-Jan 3-Jul DUGB BAHRAIN RAK Curve on 2-Jan Curve on 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 11 11

SIB 16 (S) FGBUH 16 (S) UNBUH 16 ADCBUH 16 (S) ADIBUH 16 (S) NBADUH 17 FGBUH 17 (S) z-spread (bps) NBADUH 19 ADCBUH 17 FGBUH 17 ADCBUH 18 ALHILA 18 (S) FGBUH 19 EIBUH 17 (S) SIB 18 (S) ADCBUH 19 NBADUH *11/2/15 DIBUH 17 (S) FGBUH *24/2/15 ADCBUH *1/3/15 SIB (S) *17/3/15 TAMWEE 17 (S) EBIUH 17 EIBUH 18 (S) EBIUH 19 CBDUH 18 RAKBNK 19 NOORBK (S) *28/4/15 EBIUH *6/5/15 DIBUH (S) *3/6/15 BOSUH *8/6/15 EBIUH 22 *23/3/15 UAE financials spread performance 21 19 18 17 16 +21 15 14 13 1-9 - -9-36 +34 +2 +12-12 +38 11 9 8 7 6 5 4 3 +6-6 +31 +6 +9-22 +15 +1 +8-18 +4-6 +22 +7-1 -5 unch +13 +11 +17 +5 +13 1 Maturity 2-Jan 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 12 12

HSBC 16 (S) QNBK 16 COMQAT 17 QNBK 17 BSFR 17 (S) DHBKQD 17 QIBKQD 17 (S) QIIK 17 (S) z-spread (bps) HSBC 19 QNBK 18 QNBK 2.75 18 GULF 17 GULINT 17 QNBK 2.125 18 NBOBOM 19 QNBK ALKHAL 18 BBK *24/3/15 GCC financials spread performance (ex UAE) 225 21 +1 195 18 165 15 135 1 15 9 75 6 45 3 +31-7 -1 unch -6 +3-12 -13 +29 +3-15 +25-27 -24 unch -19-44 15 2-Jan Maturity Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 3-Jul 13 13

COMQAT 19 Sub ADCBUH 23 Sub ADCBUH 23 Sub CALL z-spread (bps) EBIUH 23 Sub CALL ADIBUH 49 (S) Jr Sub PERP DIBUH 49 (S) Jr Sub PERP EBIUH 49 Jr Sub PERP ALHILA 49 (S) Jr Sub PERP AUBBI 49 Jr Sub PERP *29/4/15 BKDBOM 49 Jr Sub PERP *27/5/15 NBADUH 49 Jr Sub PERP *17/6/15 EBIUH 49 Sub PERP DIBUH 49 (S) Jr Sub PERP */1/15 NTBKKK 49 Jr Sub PERP *9/4/15 GCC financials spread performance (Subordinated bonds) 55 525 5 475 45 425 4 375 35 325 3 275 25 225 175 15 125-22 -71-54 -5-28 -66-12 Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg - -42-141 Perpetual bonds continued to be in demand from investors, witnessing significant spread tightening in first six months of the year. Indeed they have outperformed in both spread s and cash price basis. Maturity date / First Call Date for Perpetuals 2-Jan 3-Jul -31-23 -68-25 14 14

z-spread (bps) MUBAUH 16 ETISLT 19 MUBAUH 19 DOLNRG 19 Sec SINK MUBAUH 21 ETISLT 21 MUBAUH 22 ETISLT 24 DOLNRG 21 Sec ETISLT 26 Abu Dhabi corporates spread performance (Inv. grade ex Ipic & Taqa) 14 13 1 11-27 9 8 7 +1-1 +2-9 -2-25 6 5 4 +24 +13 3 1 +39 2-Jan Maturity Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 3-Jul 15 15

INTPET 16 INTPET 17 INTPET 18 z-spread (bps) INTPET INTPET 21 INTPET 22 INTPET 23 INTPET 26 INTPET 41 Abu Dhabi corporates spread performance (Inv. grade Ipic curve) 21 19 18 17 16 The Euro and GBP papers in particular performed very well relative to the curve which overall flattened during the first six months of 15. -36 15 14 13-49 1 11 unch 9-1 8 7-9 -27 6 5 4 3-1 -19 1-26 Maturity 2-Jan 3-Jul Curve on 2-Jan Curve on 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 16 16

TAQAUH 16 z-spread (bps) TAQAUH 4.125 17 TAQAUH 6.165 17 TAQAUH 18 TAQAUH 18 TAQAUH 19 TAQAUH 21 TAQAUH 23 TAQAUH 24 RPCUH 36 Sec SINK TAQAUH 36 Abu Dhabi corporates spread performance (Inv. grade Taqa curve) 2 21 19 18 TAQA curve underperformed relative to other IG credits as the company s operations are directly exposed to oil prices and Moody s recently lowered its baseline credit assessment rating for TAQA to b2 from ba2. However, Moody s affirmed TAQA s main credit rating at A3 with a stable outlook. -15 unch 17 16 15 14 13 +13 +13 1 11-13 9 8 7 6 +25 +22 +15 +7 5 4 3-2 +25 1 Maturity 2-Jan 3-Jul Curve on 2-Jan Curve on 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 17 17

QTELQD 16 QTELQD 18 (S) QTELQD 19 z-spread (bps) RASGAS 19 Sec QTELQD 21 QTELQD 23 QTELQD 25 QTELQD 28 QTELQD 43 Qatar corporates spread performance (Inv. grade) 2 18 Spreads for Qatari corporate paper tightened across the curve. There has been no additional supply from this sector and hence investors wishing to take exposure have to look at these blue chip credits that do have some paper in the market. 16-15 -16-34 14-6 1-17 8 6-5 -17-21 4-22 2-Jan 3-Jul Maturity QTEL RASGAS Curve on 2-Jan Curve on 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 18 18

DEWAAE 16 SECO 17 (S) EMIRAT 16 MAFUAE 17 (S) DEWAAE 18 (S) SABIC 18 SABIC SECO 22 (S) SECO 23 (S) KWIPKK 16 SECO 24 (S) KHDRWY 25 (S) SINK *31/3/15 z-spread (bps) DPWDU 17 (S) KWIPKK 19 DPWDU *18/5/15 DEWAAE INVCOR (S) KWIPKK EMIRAT 23 (S) SINK MAFUAE 24 EMAARM 24 (S) OMGRID 25 *7/5/15 INVCOR 24 EMIRAT 25 SINK SECO 43 (S) SECO 44 (S) DPWDU 37 MAFUAE 49 Sub PERP GCC Corporates spread performance (Inv. grade ex Abu Dhabi & Qatar) 35 325 3 275 The 5 to 1 year space performed well relative to the shorter and longer dated bonds. +2-14 25 225-23 - -8-11 -3 175 +4-16 -39-17 15 +7-45 +17 125-11 -12-18 75 +3 +7 +29 +7-1 -11-9 -15 5 25-8 -15 2-Jan Maturity Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * highlights spread change from the 1st settlement date of the bond as it was issued in 15; Source: NBAD; Bloomberg 3-Jul - 19 19

EMAAR 16 (S) ALDAR 18 (S) JAFZSK 19 (S) EMAAR 19 (S) NAKHL 16 Dh (S) DICUH 19 (S) FLYDU 19 (S) BATELC DIFCAE 24 (S) z-spread (bps) DUBAIH 17 DARALA 16 (S) DARALA 18 (S) GMSEDU 49 (S) Jr Sub PERP DAMACR 19 (S) DARALA 19 (S) GCC Corporates spread performance (Sub investment grade*) 6 575 55 525 5 475 45 425-22 -4 The sub investment grade papers performed relatively well with Dar Al Arkan being the outperformer. Nakheel sukuk was the only laggard, probably more on the account of a recent report from S&P saying Dubai real estate sector may see a price correction of around % in 15. 4 375 35 325-137 -17-8 3 275-113 25 225 175 15 125 +26-6 -19-12 -9-42 -38-18 75 5-1 25 Maturity 2-Jan 3-Jul Notes: (1) If the instrument is a "Sukuk", the ticker contains "(S)"; (2) All bonds/sukuks are $ denominated unless any other currency is highlighted in the ticker. (3) All bonds/sukuks are senior unsecured debt of the issuer unless an abbreviation for the debt type is highlighted in the ticker e.g Unsec = Unsecured debt; Sub = Subordinated; Sr Sub = Senior Subordinated; Jr Sub = Junior Subordinated; Perp = Perpetual; We have also highlighted the Callable, Puttable and Sinkable nature of the bond, if it is, by using Call, Puta, & Sink respectively; (4) * Instrument/issuer with borderline IG ratings (BBB-/Baa3) or below are considered as Sub-inv grade for comparison purpose; Source: NBAD; Bloomberg

Contact Rakesh Sahu / Chavan Bhogaita Market Insights & Strategy Global Markets National Bank of Abu Dhabi Tel: +971 2 611 127 chavan.bhogaita@nbad.com 21 21