The National Bank Of Ras Al Khaimah · ADX:RAKBANK

The National Bank Of Ras Al Khaimah — Q3 2018 Earnings Presentation

13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2018

  1. Slide 1: Investor Relations Presentation Q3 / 9M 2018

    RAKBANK Investor Relations Presentation Q3 / 9M 2018

  2. Slide 2: RAKBANK Profile

    RAKBANK Profile Establishment Subsidiaries  The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major Subsidiary Ownership Country Purpose transformation in 2001 as it rebranded as RAKBANK and shifted its focus from Corporate Banking to Retail Banking (re-branded to Personal Ban

  3. Slide 3: Shareholders, Directors & Management

    Shareholders, Directors & Management Ownership Structure Board of Directors 2.9% H.E. Mohamed Omran Alshamsi Chairman 15.0% Government of Ras Al H.E. Sheikh Salem Al Qasimi Director Khaimah UAE Nationals Mr. Salem Ali Al Sharhan Director Mr. Ahmed Essa Al Naeem Director GCC Nationals 52.8% Mr. Ahmed

  4. Slide 4: Business Verticals

    Business Verticals Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non-individual • Incorporating financing and • Incorporating money market • Incorporating all insurance customer financing, credit and financing and deposit services d

  5. Slide 5: Awards and Recognition

    Awards and Recognition Best SME Bank in the Best Blockchain Best API Platform Best Deposit Product Marketing, Social Dubai Quality UAE Initiative in the Middle East Media and Brand Appreciation Award (Fawrun Product) Award (Auntie Penny Campaign) Banker Middle East Asian Banker Asian Banker Asian Ba

  6. Slide 6: Q3 / 9M 2018 Highlights

    Q3 / 9M 2018 Highlights Financial Snapshot Quarterly Results 9 Months Results Q3’18 Q3’17 Q2’18 Q3’18 v/s Q3’17 Q3’18 v/s Q2’18 Sep’18 Sep’17 Sep’18 v/s Sep’17 (AED Mn) 708.7 699.3 686.3 1.3% 3.3% 2,065.9 2,035.4 1.5% Net Interest Income and Net Income from Islamic Financing 262.9 260.9 254.2 0.7% 3

  7. Slide 7: Balance Sheet Overview

    Balance Sheet Overview Breakdown of Assets by Type (as at 30.09.18) Assets and Gross Loans & Advances (AED Bn) 0.3% 3.5% Cash and Balances with Gross Loans and Advances Total Assets 1.7% 8.7% +12.4% UAE Central Bank 7.6% Due from other Banks +7.7% 14.0% 51.8 Loans and Advances, Net 48.5 46.1 40.6 42

  8. Slide 8: Customer Assets Mix

    Customer Assets Mix Total Customer Assets by Segment (AED Bn) Total Customer Assets – Personal Banking (AED Bn) Dec ’15 Dec ’16 Dec ’17 Sep ‘18 FI – Due from Banks Dec ’15 Dec ’16 Dec ’17 Sep ’18 18.8 18.9 4.6 4.7 18.1 17.7 4.3 4.4 4.1 3.7 3.6 3.5 3.2 3.2 3.4 3.5 3.3 11.1 2.9 2.6 2.7 2.8 2.6 9.0 2.3

  9. Slide 9: Asset Quality

    Asset Quality Non-Performing Loans (AED Mn) Net Credit Cost Impaired Loans to Gross Loans and Advances Impaired Loans 4.0% 4.0% 6.2% 4.2% 3.7% 5.0% 5.2% 3.2% 3.8% 4.1% 2.4% 1,249 1,334 1,318 1,314 2.5% 914 619 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’17 Sep ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’17 Se

  10. Slide 10: Liabilities

    Liabilities Customer Deposits (AED Bn) Notes Call Savings Current Time  Customer deposits grew by AED 2.5 billion to AED 34.6 billion compared +10.1% to 31 December 2017. 1.1  The deposits from the Personal, Business, and Wholesale Banking 1.1 1.1 2.8 1.2 3.1 amount to 30.3%, 37.0%, and 32.7% of t

  11. Slide 11: Capitalization

    Capitalization Equity Breakdown (AED Bn) Total Capital Adequacy Ratio (CAR) Retained Earnings Reserves Share Capital -9.6% 26.5% 24.4% 22.3% 2.1 1.9 2.1 2.0 20.7% 20.4% 1.8 1.3 18.5% 3.7 3.9 4.0 4.0 4.0 3.9 1.7 1.7 1.7 1.7 1.7 1.7 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’17 Sep ’18 Dec ’14 Dec ’15 Dec ’

  12. Slide 12: Profitability

    Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit +10.8% 3.9 3.8 3.8 3.6 -1.3% 42.3% 37.5% 38.0% 37.7% 39.3% 2.9 2.8 35.6% 1.5 1.4 0.7 0.8 0.7 0.6 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’17 Sep ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’17* Sep ’18* Annualized Returns Net

  13. Slide 13: Disclaimer

    Disclaimer The information in this presentation has been prepared by The National Bank of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates (“RAKBANK”) and is general background information about RAKBANK’s activities and is not intended to be current as on the date of the pre

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