Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — FY2022 Earnings Presentation
27 slides from Alrayan Bank's earnings presentation, January 2023
Slide 1: Investor Presentation Financial Results 2022
Investor Presentation Financial Results- 2022 January, 2023
Slide 2: Content
Content Introduction to Masraf Al Rayan Post merger integration update Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to Masraf Al Rayan
Introduction to Masraf Al Rayan
Slide 4: Corporate Profile
Introduction to Masraf Al Rayan Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank 2 branches 17 branches Profile • Classified as a DSIB (Domestic Systemically Important Bank) 111 • Legal merger completed on December 1, 20
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and Qatari Ownership: 79% (mainly Govt. & GREs) local currency issuer ratings: A1/Prime-1 Govt. /GRE: 33.9% (Major shareholders below) Baseline credit assessme
Slide 6: Our Board of Directors
Introduction to Masraf Al Rayan Our Board of Directors The principal role of the Board is to oversee the implementation of the Bank's strategy initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory requirements Chairman of the Board Board Membe
Slide 7: Management team
Introduction to Masraf Al Rayan Management team
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization Robust capitalization (CAR 20.29%) well above the regulatory threshold of 13.50% for a DSIB Financing exposure to Govern
Slide 9: Strong and stable bank
Introduction to Masraf Al Rayan Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 118 billion QAR 168 billion 4,355 million QAR 1,344 million Investment Efficiency Sovereign debt ex
Slide 10: Sustainability Governance
Introduction to Masraf Al Rayan Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF); which enables: ESG-linked funding opportunities to investors; Use of proceeds to finance eligible assets; Introduce ESG concepts in the bank; Set clear ESG
Slide 11: Product offering – Full suite of Islamic Banking Products
Introduction to Masraf Al Rayan Product offering – Full suite of Islamic Banking Products Retail Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance, Home Real estate and Project Direct finance: Murabaha, MM placements: finance, Asset Management: finance Mudaraba,
Slide 12: Key Recognitions in 2021, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2021, 2022
Slide 13: Post merger integration update
Post merger integration update
Slide 14: Merger with AKCB – Integration update
Introduction to Masraf Al Rayan Merger with AKCB – Integration update Merger & Integration Timelines Jun 2020 :Announced potential merger discussions with AKCB Dec Legal merger Q1 • Customer Day 1 Dec Jan Merger deal completed; Branches, ATMs May • (Re-Platforming Launching ICT strategy signed 2021
Slide 15: Financial Highlights and Performance
Financial Highlights and Performance
Slide 16: 2022 Summary
Financial Highlights and Performance 2022 Summary Balance Sheet Income statement Financial Ratios • Total assets reached QAR 167,533 million • Net profit totalled QAR 1,344 • Profit margin of 2.27%; compared to QAR 174,155 million on 31 million for 2022, compared to QAR December 2021%; 1,718 million
Slide 17: Income Statement
Financial Highlights and Performance Income Statement Income statement (QAR million) 2022 2021 YoY Operating income 7,240 5,107 41.8% • Net profit attributable to the Equity holders of the bank totalled QAR Net operating profit 4,355 3,629 20.0% 1,344 million for the 2022. Operating expenses 1,282 8
Slide 18: Balance Sheet
Financial Highlights and Performance Balance Sheet Balance Sheet (QAR billion) 2022 2021 YoY • Financing Assets QAR 118 b: of which 45 % exposure to Govt. & GRE’s; Total Assets 168 174 -3.8% Financing assets 118 121 -2.5% • Investment securities QAR 31 b: of which Investments securities 31 33 -3.9%
Slide 19: Funding & Liquidity
Financial Highlights and Performance Funding & Liquidity Funding Mix – QAR m Deposit Mix – QAR m 149,488 143,251 120,000 106,956 5,850 97,292 5,629 7,239 13,436 100,000 11,525 9,193 8,396 23,247 28,805 8,737 80,000 60,000 90,524 106,956 97,292 40,000 80,159 20,000 - Q4 2021 Q4 2022 Q4 2021 Q4 2022 C
Slide 20: Capital Adequacy
Financial Highlights and Performance Capital Adequacy Equity Breakup Capitalisation % 24,667 24,282 1,200 1,198 2,164 1,716 12,068 12,003 9,300 9,300 Q4 2021 Q4 2022 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 174,155 167,533 • Stron
Slide 21: Operating Segments
7 GLH|apa0 MASRAF AL RAYAN Operating Segments |
Slide 22: Operating Segments
Operating Segments For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Corporate Banking Retail Banking International Operations Core driver of the Bank’s business. Divers
Slide 23: Operating Segments
Operating Segments For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Treasury and Financial Institutions Asset Management and Financial Advisory Core driver of the Bank’s
Slide 24: Financial Statements
7 GLH|apa0 MASRAF AL RAYAN . Financial Statements .
Slide 25: Balance Sheet
Financial Statements Balance Sheet QAR mn 2022 2021 Variance% Cash and Balances with central banks 5,088 5,221 -2.5% Due from Banks 6,109 9,156 -33.3% Financing Assets 117,859 120,880 -2.5% Investment Securities 31,477 32,753 -3.9% Investment in Associates 346 349 -0.9% Fixed assets 902 715 26.2% In
Slide 26: Income statement
Financial Statements Income statement QAR mn 2022 2021 2022 vs 2021 Net income from financing activities 5,244 3,711 41.3% Net income from investing activities 1,251 884 41.4% Total Net Income from Financing and Investing Activities 6,495 4,595 41.3% Fee and commission income 436 329 32.3% Fee and c
Slide 27: Thank You
NZ JL |Opa0 MASRAF AL RAYAN THANK YOU