National Bank Of Bahrain Bsc · BAHRAIN:NBB
National Bank Of Bahrain Bsc — National Bank of Bahrain — Q3 2022 Earnings Presentation
19 slides from National Bank Of Bahrain Bsc's earnings presentation, 2022
Slide 1: National Bank of Bahrain Group Investor Presentation Q3 2022
National Bank of Bahrain Group Investor Presentation Q3 2022
Slide 2: Financial Performance
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Slide 3: Disclaimer
Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR OR AGENCY PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTAT
Slide 4: Financial highlights
Financial highlights YTD 2021 vs YTD 2022 Strong fundamentals with robust industry-beating NIM Consolidated Net Profit Net Interest Margin (NIM) Other Income (BHD millions) (BHD millions) 52.8 3.1% 3.1% 34.2 14% 35% 25.3 46.5 YTD 2021 YTD 2022 YTD 2021 YTD 2022 YTD 2021 YTD 2022 04
Slide 5: Income statement
Income statement Pipeline continuing to serve positive business results BHD millions YTD 2021 YTD 2022 96.0 89.2 62.9 67.3 52.8 59.1 55.4 46.5 34.2 25.3 8% 14% 14% 14% 35% 0.6 -6.0 -15.1 -6.6 Net Interest Income Other Income Operating Expenses Operating Profit Loan Provisions Other Provisions Consol
Slide 6: ECL coverage
ECL coverage Increase in cost of risk following the cessation of the loan deferral program Cost of Risk Coverage Ratios FY 2021 YTD 2022 92.0% 0.80% 90.6% 56.1% 0.52% 53.3% 8.9% 10.3% 0.6% 0.6% FY 2021 YTD 2022 Stage 1 Stage 2 Stage 3 Stage 3 Including Collateral 06
Slide 7: KPI ratios
KPI ratios Industry leading metrics Cost and revenue synergies remain available to drive c-to-i ratio even lower ROE ROA Cost to Income 13.0% 1.5% 49.0% 24% 25% -2% 48.1% 10.5% 1.2% FY 2021 YTD 2022 FY 2021 YTD 2022 FY 2021 YTD 2022 07
Slide 8: Balance sheet highlights
Balance sheet highlights Strong liquid balance sheet Positive demand for asset and liability products across the retail and corporate segments Assets (BHD millions) Dec 2021 Sep 2022 Liabilities and Equity Dec 2021 Sep 2022 (BHD millions) 4,858.7 4,535.6 3,377.1 3,184.2 2,612.6 2,395.8 1,258.6 1,202
Slide 9: Funding
Funding Diversified funding Strong attraction for depositors Demand Deposits (BHD millions) Time and Call Deposits (BHD millions) 1,885.0 1,795.0 1,582.1 -5% +22% 1,299.2 Dec 2021 Sep 2022 Dec 2021 Sep 2022 09
Slide 10: Balance sheet metrics
Balance sheet metrics Capital and liquidity positioned for growth Dominant industry metrics, and historically low NPL NPL and Capital Dec 2021 Sep 2022 Liquidity Dec 2021 Sep 2022 392.5% 22.5% 22.1% 308.0% 137.8% 135.7% 14.0% 12.5% 4.0% 3.8% 100% NPL Ratio CAR Average Daily LCR NSFR 12.5% represents
Slide 11: Sustainability
Sustainability Key achievements of the third quarter 2022 11
Slide 12: Key Achievements of Q3 2022: Third Party Recognitions
Key Achievements of Q3 2022 Third Party Recognitions Awards NBB recognized by the Euromoney Middle East Awards for Excellence 2022 as: Middle East’s Best Bank for Corporate Responsibility Best Bank for CSR in Bahrain Best Bank for ESG in Bahrain Best Bank for SME Banking in Bahrain NBB Group won the
Slide 13: Key Achievements of Q3 2022: Serving our Customers
Key Achievements of Q3 2022 Serving our Customers 164% increase in Credit and Pre-paid cards sold digitally compared to 31st December 2021 151% increase in number of new to bank retail customers that were on boarded digitally compared to 31st December 2021 27% improvement in digitally registered ret
Slide 14: Key Achievements of Q3 2022: Responsible Banking
Key Achievements of Q3 2022 Responsible Banking NBB signatory to the United Nations Global Compact, the world’s largest corporate sustainability initiative NBB launched two new lending products catered to low-to-mid income client segments Mazaya 2.0 and Tas’heel NBB introduces a Supply Chain Finance
Slide 15: Key Achievements of Q3 2022: Nurturing our Workforce
Key Achievements of Q3 2022 Nurturing our Workforce 79% increase in total training hours delivered reaching 49,976 resulting in average training hours of 38.7 per employee 91% of total employees attended Sustainability related awareness sessions in the first 9 months of 2022 NBB hosted its quarterly
Slide 16: Key Achievements of Q3 2022: Community Investment
Key Achievements of Q3 2022 Community Investment BHD 2.7 million invested in the community through Donations and Contributions Fund in the first 9 months of 2022 136 hours spent in volunteering activities to engage with the community NBB extended its summer internship programme, Evolve, to encompass
Slide 17: Key Achievements of Q3 2022: Preserving Natural Resources
Key Achievements of Q3 2022 Preserving Natural Resources Electricity consumption decreased by approximately 11% year-on-year in Headquarters Electricity consumption decreased by approximately 22% year-on-year in Branches The Bank’s overall Greenhouse Gas Emissions (GHG) decreased by 13% year-on-year
Slide 18: Key Achievements of Q3 2022: Governance and Ethical Behavior
Key Achievements of Q3 2022 Governance and Ethical Behavior NBB Board of Directors updated and enhanced: NBB Corporate Governance Guidelines Board of Directors Charter Board of Directors Code of Conduct Board Executive Committee Charter 94% of employees completed the mandatory cyber security trainin
Slide 19: Licensed by CBB as a conventional Retail Bank
Licensed by CBB as a conventional Retail Bank
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