Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Investor Presentation (2018)
18 slides from Ahli Bank Q.p.s.c's investor presentation, 2018
Slide 1: Investor Presentation 2018
Investor Presentation 2018 ahlibank.com.qa
Slide 2: Overview
Overview ABQ Shareholding Structure Founded in 1983 Qatar Investment Authority (QIA) and wholly-owned QIA subsidiaries 47.71% Listed on the Qatar Exchange with a market cap of c.QAR 6.4 billion 47.71% owned by Qatar Investment Authority (directly and through Others 52.29% subsidiaries) Stron
Slide 3: ABQ has been at the heart of the community for over 35 years
ABQ has been at the heart of the community for over 35 years 1983 - Incorporated as part of CITI Group 1987 - ABQ starts operating as a standalone entity 2004 - Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year Management Agreement 2008 - Qatar Investment Author
Slide 4: "At the heart of the community" – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Shareholding Structure
Shareholding Structure Percentages Key Shareholders 52.29% of shareholders are Qatari firms and individuals QIA directly and through subsidiaries owns the remaining 47.71% of the 47.71 shares 52.29 Public and Institutions Qatar Investment Authority (QIA) and wholly-owned QIA subsidiaries Name Nu
Slide 6: Business Lines
Business Lines Corporate SMEs Ahli Brokerage Corporate Retail Cash Management Premium Proprietary Investment Treasury and Retail Investments Private International Banking Financial Institutions 6
Slide 7: Business Line Contribution
Business Line Contribution Total Average Assets – Dec 2018 Total Average Liabilities – Dec 2018 Treasury & Treasury & Investments Investments 23.0% 36.4% Corporate 29.1% Corporate Retail 59.7% 17.3% Retail 34.5% Net Profit – 2018 Treasury & Investments 44.2% Corporate 36.9% Retail 18.9% 7
Slide 8: Strong Performance
Strong Performance QR million QR million CAGR CAGR CAGR 13% 6% 8% 700 666 1,200 648 640 1,101 632 1,044 601 996 600 1,000 934 959 526 850 500 465 800 691 400 600 300 400 200 200 100 - - 2012 2013 2014 2015 2016 2017 2018 2012 2013 2014 2015 2016 2017 2018 Net Profit Operating Income 8
Slide 9: Non-interest Income
Non-interest Income QR million QR million 200 300 CAGR CAGR 10% 185 10% 272 180 174 169 157 250 234 160 224 139 210 140 123 200 182 120 164 105 154 100 150 80 100 60 40 50 20 - - 2012 2013 2014 2015 2016 2017 2018 2012 2013 2014 2015 2016 2017 2018 Net Fee & Commissions Non Interest Income 9
Slide 10: Managing Efficiency
Managing Efficiency 40% Cost Income Ratio Cost to Income Ratio (%) 2016 2017 2018 35% Rayan 19.34 21.32 24.16 32% 31% 31% 31% 31% 30% 30% QIIB 25.51 27.49 25.65 30% 29% 29% 28% 27% 25% 26.91 QIB 31.06 28.20 25% QNB 31.62 30.17 27.26 20% ABQ 30.69 30.57 28.10 15% Khaliji 30.50 28.86 30.26 10% CBQ 50.
Slide 11: Steady Balance Sheet Growth
Steady Balance Sheet Growth QR million Assets QR million Loans & Advances CAGR 45,000 12% 35,000 CAGR 39,883 40,403 CAGR 12% 40,000 38,165 20% 28,936 30,000 26,861 27,301 35,000 31,380 32,299 24,045 25,000 30,000 26,177 21,308 25,000 20,000 17,312 20,606 20,000 14,014 15,000 15,000 10,000 10,000 5,0
Slide 12: Market Positioning
Market Positioning Cost to Income Ratio (%) 2016 2017 2018 Return on Assets (%) 2016 2017 2018 Rayan 19.34 21.32 24.16 Rayan 2.37 2.11 2.11 QIIB 25.51 27.49 25.65 ABQ 1.84 1.70 1.73 QIB 31.06 28.20 26.91 QIIB 1.82 1.68 1.70 QNB 31.62 30.17 27.26 QIB 1.51 1.51 1.68 ABQ 30.69 30.57 28.10 QNB 1.74 1.65
Slide 13: Asset Quality
Asset Quality 32,000 99.01 30,000 99.18 98.31 28,000 26,000 98.76 24,000 98.80 22,000 QR million 20,000 98.57 18,000 16,000 96.82 14,000 98.14 97.05 98.64 97.07 12,000 98.49 10,000 8,000 97.45 6,000 90.60 4,000 77.66 2,000 22.34 9.40 2.55 1.51 1.36 1.86 2.93 2.95 3.18 1.43 1.20 1.24 0.82 0.99 1.69 -
Slide 14: Loan Provision Coverage
Loan Provision Coverage 160% 150.6% 142.5% 136.9% 140% 133.5% 125.0% 126.0% 120% 99.4% 100% 93.3% 92.4% 92.2% 89.5% 89.0% 90.9% 89.0% 86.7% 80% 60% 40% 20% 0% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 QR million 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio 6,000 30.0 Tier I Tier II CAR (%) 5,000 25.0 22.1 20.8 4,000 19.2 20.0 18.2 18.1 16.9 16.3 QR million 14.9 15.6 15.2 % 3,000 15.0 12.9 12.0 2,000 10.0 1,000 5.0 0 0.0 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Tier II 424 317 311 332 335 350 351 121 85 49 355
Slide 16: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Lengthening Maturity Profile 3-year US$ 200m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 120 basis points over LIBOR In October 2014 we raised additional long-term funding in a 5-yea
Slide 17: Banking Partners' Footprint
Banking Partners’ Footprint Who do we principally work with? GCC Countries Banks UAE KSA Bahrain Oman Kuwait 17
Slide 18: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c