Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — FY2023 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, January 2024
Slide 1: Investor Presentation Financial Results 2023
Investor Presentation Financial Results- 2023 January 2024
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) 111 • 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: 79.61% (mainly Govt. & GREs) local currency issuer ratings: A1/Prime-1 Govt. /GRE: 33.99% (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 21.84%) 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 108 billion QAR 164 billion 3,554 million QAR 1,452 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: 2023 Summary
Financial Highlights and Performance 2023 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 164,200 million • Net profit totalled QAR 1,452 • Net Profit margin of 1.87 %; compared to QAR 167,533 million on 31 million in 2023, compared to QAR December 2022; 1,344 million in 2
Slide 15: Income statement 2023
Financial Highlights and Performance Income statement 2023 Income statement (QAR million) 2023 2022 YoY • Net profit attributable to the Equity Operating income 9,560 7,137 34.0% holders of the bank totalled QAR 1,452 Net operating profit 3,554 4,251 -16.4% million in 2023. Operating expenses 909 1,
Slide 16: Balance Sheet 2023
Financial Highlights and Performance Balance Sheet 2023 Balance Sheet (QAR billion) 2023 2022 YoY • Financing Assets QAR 108 b: of which 49 % Total Assets 164 168 -2.0% exposure to Govt. & GRE’s; Financing assets 108 118 -8.2% Investments securities 39 31 22.6% • Investment securities QAR 39 b: of w
Slide 17: Funding & Liquidity
Financial Highlights and Performance Funding & Liquidity 2023 Funding Mix – QAR m Deposit Mix – QAR m 138,132 134,749 120,000 97,292 92,724 100,000 11,525 9,821 8,396 6,923 29,316 32,204 8,737 7,924 80,000 60,000 97,291 40,000 80,159 77,876 92,724 20,000 - Q4 2022 Q4 2023 Q4 2022 Q4 2023 Customers'
Slide 18: Capital Adequacy 2023
Financial Highlights and Performance Capital Adequacy 2023 Equity Breakup Capitalisation % 24,282 24,806 1,198 1,237 1,716 1,880 12,389 12,067 9,300 9,300 Q4 2022 Q4 2023 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 167,533 • Strong c
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments 2023
Operating Segments 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. ➢ D
Slide 21: Operating Segments 2023
Operating Segments 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 Ba
Slide 22: Financial Statements
7 Ji | apa MASRAF AL RAYAN . Financial Statements .
Slide 23: Balance Sheet 2023
Financial Statements Balance Sheet 2023 QAR mn 2023 2022 Cash and Balances with central banks 4,993 5,088 Due from Banks 5,663 6,300 Financing Assets 108,228 117,859 Investment Securities 38,599 31,477 Investment in Associates 348 346 Fixed assets 969 915 Intangible assets 1,565 1,679 Other assets 3
Slide 24: Income statement 2023
Financial Statements Income statement 2023 QAR mn 2023 2022 Net income from financing activities 7,184 5,244 Net income from investing activities 1,705 1,251 Total Net Income from Financing and Investing Activities 8,889 6,495 Fee and commission income 440 436 Fee and commission expense (121) (108)
Slide 25: Thank You
7 Ji | apa MASRAF AL RAYAN THANK YOU