The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — H1 2016 Earnings Presentation
13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2016
Slide 1: RAKBANK Investor Relations Presentation H1 2016
RAKBANK Investor Relations Presentation H1 2016
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Ownership The National Bank of Ras Al Khaimah was founded in 1976. It underwent RAKBANK is listed on the Abu Dhabi Securities Exchange (ADX) and a major transformation in 2001 as it rebranded into RAKBANK and 52.78% of the Bank’s shares are owned directly and indire
Slide 3: RAKBANK Profile: Subsidiaries, Ratings, Regulatory Framework
RAKBANK Profile Subsidiaries Ratings Subsidiary Ownership Country Purpose Rating Agency Last Update Deposits Outlook Support RAK Insurance 79.23% UAE To develop insurance products April Baa1 / P-2 Stable 2 RAK Islamic 99.99% UAE To sell Sharia- 2016 Finance Company compliant products RAKFUNDING To e
Slide 4: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors H.E. Mohamed Omran Alshamsi Chairman 4.0% H.E. Sheikh Salem Al Qasimi Director Government of Ras Al 29.3% Khaimah Mr. Salem Ali Al Sharhan Director 52.8% GCC Nationals Mr. Ahmed Essa Al Naeem Director 14.0% UAE Nationals Mr.
Slide 5: Business Segments
Business Segments Retail Banking customers are serviced through a network of 35 branches, over 250 ATMs, as well as Online, Phone, and Mobile Banking solutions. Sales takes place across all channels and through 2000+ mobile staff. This segment has a Retail Banking strong fee-based income from the sa
Slide 6: H1 2016 Highlights
H1 2016 Highlights Financial Snapshot Key Ratios AED millions H1 2016 H1 2015 Variance% Ratios H1 2016 H1 2015 Y-o-Y 1,452 1,484 (2%) Return On Equity 11. 8% 20.2% (8.4%) Net Interest Income Net Interest Margin 7.2% 8.1% (0.9%) Non-Interest Income 516 422 22% Cost-to-Income 34.9% 40.0% (5.1%) Total
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 30.06.16) Assets and Gross Loans & Advances (AED billions) 0.4% Gross Loans and Advances Total Assets 2.2% 2.2% Cash and Balances with UAE Central Bank 11.3% 50 10.1% 4.6% Due from other Banks 40.6 40.9 38.1 Loans and Advances, 40 34.8 Net 30
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED millions) Total Loans & Advances - Retail Banking (AED millions) H1 2015 Q4 2015 H1 2016 H1 2015 Q4 2015 H1 2016 4,173 4,120 4,099 4,231 18,286 18,130 3,749 17,953 3,380 3,466 3,484 3,159 3,136 3,154 2,938 2,613 2,571 2,551 7,790 7,984 7,255 1,132 1,2
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED millions) Net Credit Loss Impaired Loans Impaired Loans to Gross Loans and Advances 6% 5.8% 1200 3.7% 4.0% 3.2% 3.5% 1000 3.8% 2.7% 3.0% 4% 3.2% 800 2.4% 2.4% 2.5% 2.5% 600 2.0% 1.6% 1081 2% 914.4 1.5% 400 756.1 539.8 618.8 1.0% 200 0.5% 0% 2013 2014 2015 H1 2
Slide 10: Liabilities
Liabilities Customer Deposits (AED billions) Notes Time Current Savings Call Islamic 30 Customer deposits grew by AED 183.8 million to AED 28.0 billion 3.5 3.1 compared to December 31, 2015. The growth came mainly from an 25 2.9 1.3 2.6 1.3 increase of AED 217.6 million in time deposits. 2.0 1.3 3
Slide 11: Capitalization
Capitalization Equity Breakdown (AED billions) Capital Adequacy Ratio (CAR) Share Capital Reserves Retained Earnings 8 29.0% 30% 26.5% 2.1 1.7 24.4% 24.1% 6 1.8 1.7 23.7% 1.5 25% 4 20% 3.4 3.7 3.9 3.7 4.0 2 15% 1.7 1.7 1.7 1.7 1.7 0 10% 2013 2014 2015 H1 2015 H1 2016 2013 2014 2015 H1 2015 H1 2016 R
Slide 12: Profitability
Profitability Profitability (AED billions) Cost-to-Income Ratio Total Income Net Profit 50% 5 3.9 43.8% 4 3.6 45% 42.3% 3.2 40.0% 3 40% 37.5% 1.9 2.0 2 1.43 1.45 1.40 34.9% 35% 1 0.7 0.4 0 30% 2013 2014 2015 H1 2015 H1 2016 2013 2014 2015 H1 2015 H1 2016 Annualized Returns Net Interest Margin 23.4%
Slide 13: Disclaimer
Disclaimer The material in this presentation has been prepared by the National Bank of Ras Al Khaimah (P.S.C), 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 presentation. This information is g
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