Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — H1 2019 Earnings Presentation
18 slides from Ahli Bank Q.p.s.c's earnings presentation, 2019
Slide 1: Investor Presentation H1 2019
Investor Presentation H1 2019 ahlibank.com.qa
Slide 2: Overview
Overview ABQ Shareholding Structure Founded in 1983 Qatar Investment Authority (QIA) and wholly-owned QIA subsidiaries 47.71% Listed on the Qatar Exchange with a market cap of c.QAR 7.4 billion 47.71% owned by Qatar Investment Authority (directly and through Others 52.29% subsidiaries) Stron
Slide 3: ABQ has been at the heart of the community for over 35 years
ABQ has been at the heart of the community for over 35 years 1983 - Incorporated as part of CITI Group 1987 - ABQ starts operating as a standalone entity 2004 - Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year Management Agreement 2008 - Qatar Investment Author
Slide 4: “At the heart of the community” – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Shareholding Structure
Shareholding Structure Percentages Key Shareholders 52.29% of shareholders are Qatari firms and individuals QIA directly and through subsidiaries owns the remaining 47.71% of the 47.71 shares 52.29 Public and Institutions Qatar Investment Authority (QIA) and wholly-owned QIA subsidiaries Name Nu
Slide 6: Business Lines
Business Lines Corporate SMEs Ahli Brokerage Corporate Retail Cash Management Premium Proprietary Investment Treasury and Retail Investments Private International Banking Financial Institutions 6
Slide 7: Business Line Contribution
Business Line Contribution Total Average Assets – Jun 2019 Total Average Liabilities – Jun 2019 Treasury & Investments Treasury & Investments Corporate 26.2% 24.9% 39.8% Corporate 57.1% Retail 16.7% Retail 35.3% Net Profit – H1 2019 Treasury & Investments 41.1% Corporate 42.9% Retail 16.0% 7
Slide 8: Consistent Performance
Consistent Performance QR million QR million CAGR CAGR CAGR 13% 6% 7% 400 600 353 359 538 527 339 342 520 518 350 333 500 481 303 462 300 271 404 241 400 250 330 200 300 150 200 100 100 50 - - H1-12 H1-13 H1-14 H1-15 H1-16 H1-17 H1-18 H1-19 H1-12 H1-13 H1-14 H1-15 H1-16 H1-17 H1-18 H1-19 Net Profit
Slide 9: Non-interest Income
Non-interest Income QR million QR million CAGR CAGR 100 8% 94 160 8% 90 90 84 86 134 140 127 80 74 75 119 119 120 70 104 105 58 100 60 54 81 50 80 76 40 60 30 40 20 20 10 - - H1-12 H1-13 H1-14 H1-15 H1-16 H1-17 H1-18 H1-19 H1-12 H1-13 H1-14 H1-15 H1-16 H1-17 H1-18 H1-19 Net Fee & Commissions Non Int
Slide 10: Managing Efficiency
Managing Efficiency 40% Cost Income Ratio Cost to Income Ratio (%) 2017 2018 H1 2019 35% 32% 31% 31% 31% 31% Rayan 21.32 24.16 23.47 30% 30% 30% 29% 29% 28% 28% 27% QIIB 27.49 25.65 23.98 25% 25% QIB 28.20 26.91 24.67 20% QNB 30.17 27.26 27.27 15% ABQ 30.57 28.10 28.22 10% Khaliji 28.86 30.26 28.50
Slide 11: Steady Balance Sheet Growth
Steady Balance Sheet Growth QR million Assets QR million Loans & Advances CAGR 12% CAGR 45,000 41,909 35,000 11% 39,883 40,403 CAGR 40,000 38,165 20% 28,936 30,000 26,861 27,515 28,238 35,000 31,380 32,299 24,045 25,000 30,000 26,177 21,308 25,000 20,000 17,312 20,606 20,000 14,014 15,000 15,000 10,
Slide 12: Market Positioning
Market Positioning Cost to Income Ratio (%) 2017 2018 H1 2019 Return on Assets (%) 2017 2018 H1 2019 Rayan 21.32 24.16 23.47 Rayan 2.11 2.11 2.17 QIIB 27.49 25.65 23.98 QIIB 1.68 1.70 1.84 QIB 28.20 26.91 24.67 ABQ 1.70 1.73 1.77 QNB 30.17 27.26 27.27 QIB 1.51 1.68 1.73 ABQ 30.57 28.10 28.22 QNB 1.6
Slide 13: Asset Quality
Asset Quality 32,000 99.01 30,000 98.28 99.18 98.31 28,000 26,000 98.76 24,000 98.80 22,000 QR million 20,000 98.57 18,000 16,000 96.82 14,000 98.14 97.05 98.64 97.07 12,000 98.49 10,000 8,000 97.45 6,000 90.60 4,000 77.66 2,000 22.34 9.40 2.55 1.51 1.36 1.86 2.93 2.95 3.18 1.43 1.20 1.24 0.82 0.99
Slide 14: Loan Provision Coverage
Loan Provision Coverage 160% 150.6% 142.5% 136.9% 140% 133.5% 134.9% 125.0% 126.0% 120% 99.4% 100% 93.3% 89.5% 89.0% 90.9% 92.4% 89.0% 92.2% 86.7% 80% 60% 40% 20% 0% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Jun-19 QR million 2004 2005 2006 2007 2008 2009 2010 2011 2
Slide 15: Capital Adequacy Ratio
Capital Adequacy Ratio 6,000 30.0 Tier I Tier II CAR (%) 5,000 25.0 22.1 20.8 4,000 19.2 20.0 18.2 18.1 16.9 17.3 16.3 QR million 14.9 15.6 15.2 % 3,000 15.0 12.9 12.0 2,000 10.0 1,000 5.0 0 0.0 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Jun-19 Tier II 424 317 311 332 335 350 351 12
Slide 16: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Lengthening Maturity Profile 3-year US$ 200m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 120 basis points over LIBOR With the new facilities, we have significantly improved our fundi
Slide 17: Banking Partners’ Footprint
Banking Partners’ Footprint Who do we principally work with? GCC Countries Banks UAE KSA Bahrain Oman Kuwait 17
Slide 18: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c