Slide 1: RAKBANK Investor Relations Presentation Q4/FY 2017
RAKBANK Investor Relations Presentation Q4/FY 2017
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Subsidiaries The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major Subsidiary Ownership Country Purpose transformation in 2001 as it rebranded into RAKBANK and shifted its focus from Corporate Banking to Retail Banking (re-branded to Personal B
Slide 3: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors 4.0% H.E. Mohamed Omran Alshamsi Chairman 14.5% Government of Ras Al H.E. Sheikh Salem Al Qasimi Director Khaimah UAE Nationals Mr. Salem Ali Al Sharhan Director Mr. Ahmed Essa Al Naeem Director GCC Nationals 52.8% Mr. Ahmed
Slide 4: Business Verticals
Business Verticals Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non-individual • Incorporating financing and • Incorporating money market • Incorporating all insurance customer financing, credit and financing and deposit services d
Slide 5: Awards and Recognition
Awards and Recognition Home Loan Provider New Consumer Best Service Remittance Product of Advertising Campaign of the Year award for Lending Product of the Performance Brand the Year in the Middle Best SME Program of the Year in the UAE Home in One Year in the UAE 2016 East Yallacompare Banking Depa
Slide 6: Q4 / FY 2017 Highlights
Q4 / FY 2017 Highlights Financial Snapshot Quarterly Results 12 Months Results (AED Mn) Q4 ’17 Q4 ’16 Q4 ’17 v/s Q4 ’16 Dec ’17 Dec ’16 Dec ’17 v/s Dec ’16 Net Interest Income and net income from Islamic 687.8 687.1 0.1% 2,723.2 2,825.1 (3.6%) financing Non-Interest Income 248.8 235.4 5.7% 1,086.6 1
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 31.12.17) Assets and Gross Loans & Advances (AED Bn) 0.4% 2.4% Cash and Balances with Gross Loans and Advances Total Assets +14.2% 1.8% 9.8% UAE Central Bank 11.5% Due from other Banks +11.6% 7.8% 46.1 48.5 Loans and Advances, Net 40.6 42.5 3
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances - Personal Banking (AED Bn) Dec ’15 Dec ’16 Sep ’17 Dec ’17 Dec ’15 Dec ’16 Sep ’17 Dec ’17 18.8 4.6 18.1 17.7 18.5 4.4 4.5 4.1 3.7 3.6 3.3 3.5 3.2 3.4 3.5 3.5 3.2 3.0 2.9 2.6 2.7 2.6 2.4 2.3 8.4 7.5 7.9 7.9 1.8 1.9 6.2 6.5
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED Mn) Net Credit Cost Impaired Loans to Gross Loans and Advances Impaired Loans +6.8% 4.2% 6.2% 4.0% 4.0% 5.2% 5.0% 3.2% 3.8% 2.4% 2.4% 1,249 1,318 1,334 2.5% 1.6% 914 540 619 Dec ’13 Dec ’14 Dec ’15 Dec ’16 Sep ’17 Dec ’17 Dec ’13 Dec ’14 Dec ’15 Dec ’16 Sep ’1
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Islamic Call Savings Current Time Customer deposits grew by AED2.8Bn to AED32.2Bn compared to 31 +9.4% December 2016. 3.2 The deposits from the Personal, Business, Wholesale Banking and 3.4 1.1 2.7 1.1 Treasury segments amount to 36.1%, 37.2%, and 26.
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Capital Adequacy Ratio (CAR) Retained Earnings Reserves Share Capital +3.8% 29.0% 26.5% 24.4% 22.3% 2.1 1.9 2.0 2.1 20.4% 20.3% 1.8 1.5 3.7 3.9 4.0 4.0 4.1 3.4 1.7 1.7 1.7 1.7 1.7 1.7 Dec ’13 Dec ’14 Dec ’15 Dec ’16 Sep ’17 Dec ’17 Dec ’13 Dec ’14 Dec ’15 Dec
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit +22.3% - 0.8% 3.94 3.84 3.81 3.56 43.8% 42.3% 3.20 37.5% 37.7% 38.0% 2.87 35.6% 1.43 1.45 1.41 0.66 0.61 0.81 Dec ’13 Dec ’14 Dec ’15 Dec ’16 Sep ’17 Dec ’17 Dec ’13 Dec ’14 Dec ’15 Dec ’16 Sep ’17 Dec ’17 Annualized R
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