The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Q1 2022 Earnings Presentation
16 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2022
Slide 1: Investor Presentation Q1 / 3M 2022
Investor Presentation Q1 / 3M 2022
Slide 2: Key Highlights: Improved Q1 2022 Performance
RAKBANK Investor Presentation – Q1 / 3M 2022 2 Key Highlights: Improved Q1 2022 Performance As of 31 March 2022 AED 8.8 Bn Net Profit Growth of 93.1 % NCL for Q1’22 closed at 1.6 % Better Performance across all Market Cap Vs Q1’21 Vs 4.5 % for Q1’21 segments, except treasury AED 58.6 Bn » RAKBANK cl
Slide 3: Business Segment Overview
RAKBANK Investor Presentation – Q1 / 3M 2022 3 Business Segment Overview Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non- • Incorporating financing • Incorporating money • Incorporating all insurance customer financing, credit ind
Slide 4: Performance
Performance RAKBANK Investor Presentation – Q1 / 3M 2022 4
Slide 5: Performance highlights
RAKBANK Investor Presentation – Q1 / 3M 2022 5 Performance highlights Income Statement [AED Mn] Quarterly Results Variance Q1'22 Vs Q1'22 Vs Income Statement Highlights Q1'22 Q4'21 Q1'21 Q4'21 Q1'21 Net Interes t Income 540.4 547.2 531.7 (1.2%) 1.6% Non-Interes t Income 186.5 245.3 269.2 (24.0%) (30
Slide 6: Profitability
RAKBANK Investor Presentation – Q1 / 3M 2022 6 Profitability Profitability [AED Bn] Notes Total Income Net Profit • Group Net Profits increasing by 93.1% Y-o-Y underpinned by strong economic recovery 4.0 • Compared to Q1’21, the total operating Income was down by 9.2 % Vs 3.8 3.6 Q1’21 and down by 8
Slide 7: Balance sheet summary
RAKBANK Investor Presentation – Q1 / 3M 2022 7 Balance sheet summary Assets & Advances Growth [AED Bn] Notes Gross Loans & Advances Total Assets • Gross Loans and Advances increased by AED 1.6 Bn as compared to +10.1% Q4’21 leading to a healthy growth in Total Assets +9.3% • Lending in the Wholesale
Slide 8: Customer Assets Mix
RAKBANK Investor Presentation – Q1 / 3M 2022 8 Customer Assets Mix Total Customer Assets by Segment [AED Bn] Total Customer Assets – Personal Banking [AED Bn] Dec '19 Dec '20 Dec '21 Mar ‘22 FI Loans - Banks Dec ’19 Dec ’20 Dec ’21 Mar’22 18.7 17.6 17.4 17.5 16.7 15.4 5.6 9.8 13.4 8.3 8.1 8.3 12.5 7
Slide 9: Liabilities
RAKBANK Investor Presentation – Q1 / 3M 2022 9 Liabilities Customer Deposits Growth [AED Bn] Notes Time Current Savings Call +5.4% 37.6 38.5 • Bank has a robust CASA franchise as reflected in healthy CASA trends. 36.8 36.9 36.5 34.1 1.2 1.2 1.3 1.4 1.1 CASA ratio as at Mar’22 is 74.3 % 3.3 3.8 4.0 3
Slide 10: Asset quality
RAKBANK Investor Presentation – Q1 / 3M 2022 10 Asset quality Non Performing Loans [AED Mn] Cost of Risk Impaired Loans (NPA) to Gross Loans Advances Impaired Loans (NPA) 5.2% 5.4% 4.8% 4.5% 4.2% 4.0% 4.1% 4.1% 3.7% 3.7% 3.2% 1,668 1,762 1,478 1,446 1,416 1,333 1.6% Dec ’18 Dec ’19 Dec ’20 Dec ’21 M
Slide 11: Capitalization
RAKBANK Investor Presentation – Q1 / 3M 2022 11 Capitalization Breakdown of Equity [AED Bn] Capital Adequacy Ratio Retained Earnings Reserves* Share Capital CAR CET1 +7.8% 18.6 18.1 8.4 8.6 7.8 7.8 8.0 7.1 17.2 17.0 1.7 1.7 16.8 1.7 1.7 1.7 16.5 1.5 17.5 2.0 2.1 2.6 2.2 2.8 17.0 1.7 16.0 15.9 15.7 4
Slide 12: The UAE's leading SME lender's Institutional Strength
RAKBANK Investor Presentation – Q1 / 3M 2022 12 The UAE’s leading SME lender’s Institutional Strength History Credit Ratings Rating Agency Last Update Deposits Outlook • Founded in 1976; listed on Abu Dhabi Securities Exchange (ADX) in 2005. • Headquartered in the emirate of Ras Al Khaimah (‘RAK’).
Slide 13: Senior leadership
RAKBANK Investor Presentation – Q1 / 3M 2022 13 Senior leadership Board of directors Executive management Raheel Ahmed Dhiraj Kunwar H.E. Mohamed Omran Alshamsi Chairman Chief Executive Officer MD, Business Banking H.H. Sheikha Amneh Alqasimi Vice Chairman Mr. Salem Ali Al Sharhan Director Shehzad F
Slide 14: Recognition
RAKBANK Investor Presentation – Q1 / 3M 2022 14 Recognition Best Retail Payment Best Self-Service Banking Outstanding Digital Best Sustainable Work Best Trade Finance Best AI Technology Implementation in the Implementation in Middle Transformation in Practices Excellence Bank Implementation for the
Slide 15: Disclaimer
RAKBANK Investor Presentation – Q1 / 3M 2022 15 Disclaimer The information in this presentation has been prepared by The National Bank including statements regarding our intent, belief or current expectations with of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates respect t
Slide 16: Contact Useful information
Contact Useful information Imad A.I. Khalil Download copies of: Phone: +971 4 291 3263 • Financial Statements Email: ir@rakbank.ae • Earnings Release • Management Discussion & Analysis RAKBANK Investor Presentation – Q1 / 3M 2022 16
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