The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Q3 2021 Earnings Presentation
19 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2021
Slide 1: Investor Presentation Q3 / 9M 2021
Investor Presentation Q3 / 9M 2021
Slide 2: Highlights
RAKBANK Investor Presentation – Q3 / 9M 2021 2 Highlights • Strong performance for the quarter across all business verticals as Net profit Impairment demonstrated by 73.2% increase in Net Profits as compared to Q3 2020. increased charges declined by 73.2% by 24.0% • Gross Loans and Advances increase
Slide 3: Bank profile
Bank profile RAKBANK Investor Presentation – Q3 / 9M 2021 3
Slide 4: The UAE's leading SME lender
RAKBANK Investor Presentation – Q3 / 9M 2021 4 The UAE’s leading SME lender As of 30th Sep 2021 History AED 6.5 b market cap • Founded in 1976; listed on Abu Dhabi Securities Exchange (ADX) in 2005. • Headquartered in the emirate of Ras Al AED 54.5 b Khaimah (‘RAK’). total assets • Major transformat
Slide 5: Institutional Strength
RAKBANK Investor Presentation – Q3 / 9M 2021 5 Institutional Strength Credit Ratings Ownership Structure as of 30th June 2021 Government of Ras Al Khaimah UAE Nationals GCC Nationals Foreigners Rating Agency Last Update Deposits Outlook 1.6% Moody’s October 2021 Baa1 / P-2 Stable 14.2% Fitch Ratings
Slide 6: Business Segment Overview
RAKBANK Investor Presentation – Q3 / 9M 2021 6 Business Segment Overview Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non- • Incorporating financing • Incorporating money • Incorporating all customer financing, individual financing
Slide 7: Performance
Performance RAKBANK Investor Presentation – Q3 / 9M 2021 7
Slide 8: Performance highlights
RAKBANK Investor Presentation – Q3 / 9M 2021 8 Performance highlights Income Statement [AED Mn] Quarterly Results 9 Months results Variance Q3'21 Vs 9M Sep'21 Vs Income Statement Highlights Q3'21 Q3'20 Q2'21 9M 2021 9M 2020 Q3'20 9M Sep'21 Net Interes t Income 546.5 601.1 543.0 1,621.3 1,963.8 (9.1%
Slide 9: Profitability
RAKBANK Investor Presentation – Q3 / 9M 2021 9 Profitability Profitability [AED Bn] Cost-to-Income Ratio Total Income Net Profit 42.0% +21.9% 39.5% 3.8 3.8 4.0 39.2% 38.9% 3.6 -11.5% 38.0% 37.4% 2.8 2.4 1.1 0.8 0.9 0.5 0.4 0.5 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Sep’20 Sep’21 Dec ’17 Dec ’18 Dec ’19 Dec
Slide 10: Balance sheet summary
RAKBANK Investor Presentation – Q3 / 9M 2021 10 Balance sheet summary Breakdown of Assets by Type [%] Assets & Advances Growth [AED Bn] Cash & Bal. with UAE Central Bank Net Loans and Adv. Other Assets Gross Loans & Advances Total Assets Due from other Banks Inv. Securities +4.1% +2.7% 4.2% 5.9% 57.
Slide 11: Customer Assets Mix
RAKBANK Investor Presentation – Q3 / 9M 2021 11 Customer Assets Mix Total Customer Assets by Segment [AED Bn] Total Customer Assets – Personal Banking [AED Bn] Dec '18 Dec '19 Dec '20 Sep ‘21 FI Loans - Banks Dec '18 Dec '19 Dec '20 Sep ‘21 18.5 18.7 17.7 14.3 5.6 16.7 13.4 4.7 12.5 4.4 4.0 9.7 5.7
Slide 12: Liabilities
RAKBANK Investor Presentation – Q3 / 9M 2021 12 Liabilities Customer Deposits Growth [AED Bn] Notes Time Current Savings Call +8.1% 36.8 36.9 37.0 • Customer deposits increased by AED 2.8 billion to AED 37.0 billion 34.1 1.2 1.2 34.2 1.0 32.2 3.3 3.8 compared to 30 September 2020. 1.3 3.8 1.2 1.1 2.
Slide 13: Asset quality
RAKBANK Investor Presentation – Q3 / 9M 2021 13 Asset quality Non Performing Loans [AED Mn] Cost of Risk Impaired Loans to Gross Loans Advances Impaired Loans 5.2% 5.1% 4.5% 5.0% 4.2% 4.8% 4.9% 4.0% 4.0% 4.1% 3.7% 1,668 1,654 3.6% 1,478 1,446 1,507 1,334 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Sep ’20 Sep ’
Slide 14: Capitalization
RAKBANK Investor Presentation – Q3 / 9M 2021 14 Capitalization Breakdown of Equity [AED Bn] Capital Adequacy Ratio Retained Earnings Reserves Share Capital CAR CET1 +5.8% 20.7 7.9 7.8 7.8 8.1 19.4 7.7 7.1 18.6 1.7 1.7 1.7 1.7 1.7 17.8 1.5 17.2 2.1 2.0 2.1 1.9 2.4 16.8 1.7 18.2 17.5 16.7 4.1 4.0 4.1
Slide 15: Additional information
Additional information RAKBANK Investor Presentation – Q3 / 9M 2021 15
Slide 16: Senior leadership
RAKBANK Investor Presentation – Q3 / 9M 2021 16 Senior leadership Board of directors Executive management H.E. Mohamed Omran Alshamsi Chairman Peter England Dhiraj Kunwar Chief Executive Officer MD, Business Banking H.H. Shaikha Amneh Alqasimi Vice Chairman H.E. Sheikh Salem Al Qasimi Director Deepa
Slide 17: Recognition
RAKBANK Investor Presentation – Q3 / 9M 2021 17 Recognition Best Retail Payment Best Self-Service Banking Outstanding Digital Best Sustainable Work Best Trade Finance Bank Best AI Technology Implementation in the Implementation in Middle Transformation in Practices Excellence Bank Implementation for
Slide 18: Disclaimer
RAKBANK Investor Presentation – Q3 / 9M 2021 18 Disclaimer The information in this presentation has been prepared by The National Bank including statements regarding our intent, belief or current expectations with of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates respect t
Slide 19: Contact Useful information
Contact Useful information Imad A.I. Khalil Download copies of: Phone: +971 4 291 3263 • Financial Statements Email: ir@rakbank.ae • Earnings Release • Management Discussion & Analysis RAKBANK Investor Presentation – Q3 / 9M 2021 19
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