Slide 1: RAKBANK Investor Relations Presentation 4Q/FY 2016
RAKBANK Investor Relations Presentation 4Q/FY 2016
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Awards & Recognition The National Bank of Ras Al Khaimah was founded in 1976. It underwent a Middle East Internet Banking Product of the Year for Web Authentication major transformation in 2001 as it rebranded into RAKBANK and shifted its focus Chat at the Asian Ban
Slide 3: RAKBANK Profile: Subsidiaries, Ratings, Regulatory Framework
RAKBANK Profile Subsidiaries Ratings Subsidiary Ownership Country Purpose Rating Agency Last Update Deposits Outlook Support To develop insurance RAK Insurance 79.23% UAE products October Baa1 / P-2 Stable 2 RAK Islamic 99.99%* UAE To sell Sharia- 2016 Finance Company compliant products RAKFUNDING T
Slide 4: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors H.E. Mohamed Omran Alshamsi Chairman 3.8% Government of Ras Al H.E. Sheikh Salem Al Qasimi Director Khaimah 29.4% 52.8% GCC Nationals Mr. Salem Ali Al Sharhan Director 14.0% Mr. Ahmed Essa Al Naeem Director UAE Nationals Mr.
Slide 5: Business Segments
Business Segments Personal Banking customers are serviced through a network of 38 branches, over 287 ATMs, as well as its Telephone and Digital Personal Banking Banking channels. Sales takes place across all channels and through mobile staff. This segment has a strong fee-based income from the sale
Slide 6: 4Q / 12M 2016 Highlights
4Q / 12M 2016 Highlights Financial Snapshot Key Ratios (AED Mn) 12M ’16 12M ’15 Variance% Ratios 12M ’16 12M ’15 Y-o-Y Return On Equity (annualized) 8.7% 19.3% (10.6%) Net Interest Income 2,825 3,048 (7%) Net Interest Margin 6.9% 8.0% (1.1%) Non-Interest Income 1,014 891 14% Cost-to-Income 35.6% 37.
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 31.12.16) Assets and Gross Loans & Advances (AED Bn) 2.4% Cash and Balances with Gross Loans and Advances Total Assets 2.1% UAE Central Bank 10.4% 11.3% 6.2% 50 Due from other Banks 40.6 40.8 42.5 40 34.8 Loans and Advances, 30.1 28.5 29.0 29
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances - Personal Banking (AED Bn) 31.12.2015 30.09.2016 31.12.2016 31.12.2015 30.09.2016 31.12.2016 18.13 17.77 17.75 4.28 4.42 4.10 3.75 3.35 3.52 3.54 3.16 3.38 3.24 2.79 2.65 2.61 2.61 2.66 8.42 7.69 7.55 4.48 1.23 1.24 3.55 1.
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED Mn) Net Credit Loss Impaired Loans Impaired Loans to Gross Loans and Advances 6.2% 6.2% 1400 5.0% 6.0% 4.1% 4.2% 1200 3.2% 4.0% 1000 3.8% 4.0% 800 2.4% 2.4% 3.0% 2.5% 600 1,187.6 1,249.5 2.0% 1.6% 400 914.4 2.0% 539.8 618.8 1.0% 200 0 0.0% 0.0% 2013 2014 2015
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Time Current Savings Call Islamic 30 Customer deposits grew by AED1.6Bn to AED29.4Bn compared to 31 3.0 2.7 December 2015. The growth came mainly from an increase of AED1.1Bn 25 3.5 1.2 in demand deposits. 1.3 1.3 3.4 2.6 3.6 The deposits from the Per
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Capital Adequacy Ratio (CAR)* Share Capital Reserves Retained Earnings 8 30% 26.0% 2.1 1.8 1.9 23.9% 23.9% 6 1.8 25% 22.3% 1.5 21.8% 4 20% 3.4 3.7 3.9 4.0 4.0 2 15% 1.7 1.7 1.7 1.7 1.7 0 10% * 2013 2014 2015 9M '16 2016 2013 2014 2015 9M '16 2016 Risk Weighte
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit 50% 5.00 3.94 3.84 43.8% 4.00 3.56 45% 42.3% 3.20 2.92 3.00 40% 37.5% 2.00 34.8% 35.6% 1.43 1.45 1.41 35% 1.00 0.55 0.66 0.00 30% 2013 2014 2015 9M '16 2016 2013 2014 2015 9M '16 2016 Annualized Returns Net Interest Ma
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