Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — Q3 2023 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, October 2023
Slide 1: Financial Results - Q3 2023
Investor Presentation Financial Results- Q3 2023 October, 2023
Slide 2: Content
Content Introduction to Masraf Al Rayan 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 16 branches Profile • Classified as a DSIB (Domestic Systemically Important Bank) 112 • Legal merger completed on December 1, 2021 with Al
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: 78.79% (mainly Govt. & GREs) local currency issuer ratings: A1/Prime-1 Govt. /GRE: 33.70% (Major shareholders below) Baseline credit asse
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 Vice Chairm
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 21.45 %) well above the regulatory threshold of 13.50% for a DSIB ▪ Financing exposure to Gover
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 110 billion QAR 164 billion 2,845 million QAR 1,238 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: MM placements: finance, Asset Management: finance Murabaha, Mudaraba,
Slide 12: Key Recognitions in 2023, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2023, 2022
Slide 13: Financial Highlights and Performance
Financial Highlights and Performance
Slide 14: Q3-2023 Summary
Financial Highlights and Performance Q3-2023 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 164,374 million • Net profit totalled QAR 1,238 • Net Profit margin of 1.94 %; compared to QAR 167,533 million on 31 million for Q3 2023, compared to December 2022; QAR 1,331 milli
Slide 15: Income statement Q3-2023
Financial Highlights and Performance Income statement Q3-2023 Income statement (QAR million) Q3 2023 Q3 2022 YoY Operating income 7,192 5,148 39.7% • Net profit attributable to the Equity Net operating profit 2,845 3,415 -16.7% holders of the bank totalled QAR Operating expenses 753 980 -23.1% 1,238
Slide 16: Balance Sheet Q3-2023
Financial Highlights and Performance Balance Sheet Q3-2023 Balance Sheet (QAR billion) Q3 2023 Q3 2022 YoY • Financing Assets QAR 110 b: of which 47 % Total Assets 164 164 0.2% exposure to Govt. & GRE’s; Financing assets 110 117 -5.7% • Investment securities QAR 37 b: of which Investments securities
Slide 17: Funding & Liquidity Q3-2023
Financial Highlights and Performance Funding & Liquidity Q3-2023 Funding Mix – QAR m Deposit Mix – QAR m 100,000 93,307 92,509 133,381 134,744 90,000 8,089 6,914 12,072 12,371 80,000 9,334 9,399 28,003 29,863 70,000 60,000 50,000 40,000 75,884 76,196 93,306 92,509 30,000 20,000 10,000 - Q3 2022 Q3 2
Slide 18: Capital Adequacy Q3-2023
Financial Highlights and Performance Capital Adequacy Q3-2023 Equity Breakup Capitalisation % 24,276 24,608 1,175 1,224 1,914 2,024 12,061 11,887 9,300 9,300 Q3 2022 Q3 2023 Share capital Reserves Retained EarninHs Non-controllinH interests and AT1 Risk Weighted Assets Key Highlights 164,072 • Stron
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments Q3-2023
Operating Segments Q3-2023 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.
Slide 21: Operating Segments Q3-2023
Operating Segments Q3-2023 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
Slide 22: Financial Statements
7 Ji | apa MASRAF AL RAYAN . Financial Statements .
Slide 23: Balance Sheet Q3-2023
Financial Statements Balance Sheet Q3-2023 QAR mn Q3 2023 Q4 2022 Q3 2022 Cash and Balances with central banks 5,231 5,088 5,289 Due from Banks 5,632 6,109 3,051 Financing Assets 109,947 117,859 116,641 Investment Securities 36,811 31,477 31,968 Investment in Associates 335 346 345 Fixed assets 949
Slide 24: Income statement Q3-2023
Financial Statements Income statement Q3-2023 QAR mn Q3 2023 Q3 2022 Net income from financing activities 5,395 3,624 Net income from investing activities 1,192 903 Total Net Income from Financing and Investing Activities 6,587 4,527 Fee and commission income 335 342 Fee and commission expense (7) (
Slide 25: Thank you
7 Ji | apa MASRAF AL RAYAN THANK YOU