Alrayan Bank · QSE:MARK
Alrayan Bank — FY2024 Earnings Presentation
26 slides from Alrayan Bank's earnings presentation, January 2025
Slide 1: Investor Presentation Financial Results-2024
Investor Presentation Financial Results-2024 January 2025
Slide 2: Content
Content Introduction to AlRayan Bank Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to AlRayan Bank
Introduction to AlRayan Bank
Slide 4: Corporate Profile
Introduction to AlRayan Bank Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank Profile • Classified as a DSIB (Domestic Systemically Important Bank) * • Legal merger completed on December 1, 2021 with Al Khaliji commercia
Slide 5: Ownership structure
Introduction to AlRayan Bank Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and local currency Qatari Ownership: 79.98% issuer ratings: A2/Prime-1 Govt. /GRE: 34.04% (Major shareholders below) * Baseline credit assessment and adjusted bas
Slide 6: Our Board of Directors
Introduction to AlRayan Bank 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 Chairman
Slide 7: Management team
Introduction to Al Rayan Bank Management team FAHAD AL KHALIFA Group Chief Executive Officer HAMAD AL KUBAISI OMAR AL EMADI SHAHNAWAZ NIAZI ALEXIS NEESON Group Chief HR Officer Group Chief Business Officer Group Chief Financial Officer Group Chief Risk Officer RANA AL ASAAD TAHIR PIRZADA STUART RENN
Slide 8: A bank with many strengths
Introduction to AlRayan Bank A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 23.92%) well above the regulatory threshold of 13% for a DSIB ▪ Financing exposure to Government a
Slide 9: Strong and stable bank
Introduction to AlRayan Bank 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 171 billion 3,552 million QAR 1,507 million Efficiency Investment Cost to income ratio
Slide 10: Sustainability Governance
Introduction to AlRayan Bank Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF) which enables: Board ➢ ESG-linked funding opportunities to investors Corporate Governance, Nominations and ➢ Use of proceeds to finance eligible assets Remunerations C
Slide 11: Pioneering Sustainability
Introduction to AlRayan Bank Pioneering Sustainability • AlRayan Bank Becomes the first sharia-compliant bank in Qatar to join the Partnership for Carbon Accounting Financials (PCAF) The bank has established itself as the first Sharia-compliant institution in Environmental, Social, and Governance (E
Slide 12: Product offering – Full suite of Islamic Banking Products
Introduction to AlRayan Bank Product offering – Full suite of Islamic Banking Products Personal Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance Real estate and Project Direct finance: MM placements: Murabaha, Asset Management Home finance finance Murabaha, Mud
Slide 13: Key Recognitions: 2023-2024
Introduction to AlRayan Bank Key Recognitions : 2023-2024
Slide 14: Financial Highlights and Performance
Financial Highlights and Performance
Slide 15: 2024 Summary
Financial Highlights and Performance 2024 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 171,094 million • Net profit totalled QAR 1,507 • Net Profit margin of 1.86 % compared to QAR 164,200 million on million in Q4 2024, compared to 31 December 2023 QAR 1,452 million for
Slide 16: Income statement 2024
Financial Highlights and Performance Income statement 2024 Income statement (QAR million) 2024 2023 YoY • Net profit attributable to the Equity holders of the bank totalled QAR 1,507 million in 2024 and is 3.8% higher Total income, net of finance expenses 8,481 7,286 16.4% than in 2023 . Operating e
Slide 17: Balance Sheet 2024
Financial Highlights and Performance Balance Sheet 2024 • Financing Assets QAR 110 Bn of which 48% is exposure to Balance Sheet (QAR billion) 2024 2023 YoY Govt. & GRE’s Total Assets 171 164 4.2% Financing assets 110 108 1.7% • Investment securities QAR 44 Bn of which 88% exposure is Investments sec
Slide 18: Funding & Liquidity 2024
Financial Highlights and Performance Funding & Liquidity 2024 Funding Mix – QAR Mn Deposit Mix – QAR Mn 141,039 134,749 9,672 107,610 9,821 92,724 7,662 23,757 7,031 32,204 6,932 7,924 107,610 92,917 92,724 77,867 Q4 2023 Q4 2024 Q4 2023 Q4 2024 Customers' deposits Due to banks Sukuk & Other borrowi
Slide 19: Capital Adequacy 2024
Financial Highlights and Performance Capital Adequacy 2024 Equity Breakup Capitalisation % 24,806 25,331 1,237 1,252 1,880 2,388 12,391 12,389 9,300 9,300 Q4 2023 Q4 2024 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Total Equity(QAR mn) Risk Weighted Assets Key High
Slide 20: Operating Segments
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Slide 21: Operating Segments 2024
Operating Segments 2024 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 Personal Banking International Operations ➢ Core driver of the Bank’s business. ➢
Slide 22: Operating Segments 2024
Operating Segments 2024 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 23: Financial Statements
Classification: : Public Financial Statements yl Ii ALRAYAN BANK
Slide 24: Balance Sheet 2024
Financial Statements Balance Sheet 2024 QAR mn 2024 2023 Cash and balances with central banks 5,672 4,993 Due from banks 5,165 5,663 Financing assets 110,040 108,228 Investment securities 43,767 38,599 Investment in associates 348 349 Fixed assets 1,011 969 Intangible assets 1,451 1,565 Other assets
Slide 25: Income statement 2024
Financial Statements Income statement 2024 QAR mn 2024 2023 Income from financing activities 7,257 7,184 Income from investing activities 2,014 1,705 Finance expense (1,421) (2,274) Income from financing and investing activities, net of finance expense 7,850 6,616 Fee and commission income 425 440 F
Slide 26: Thank You