Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — H1 2023 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, July 2023
Slide 1: Investor Presentation Financial Results - H1 2023
Investor Presentation Financial Results- H1 2023 July, 2023
Slide 2: Content
Content Introduction to Masraf Al Rayan Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to Masraf Al Rayan
Introduction to Masraf Al Rayan
Slide 4: Corporate Profile
Introduction to Masraf Al Rayan Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank 16 branches Profile • Classified as a DSIB (Domestic Systemically Important Bank) 112 • Legal merger completed on December 1, 2021 with Al
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and Qatari Ownership: 78.45% (mainly Govt. & GREs) local currency issuer ratings: A1/Prime-1 Govt. /GRE: 33.80% (Major shareholders below) Baseline credit asse
Slide 6: Our Board of Directors
Introduction to Masraf Al Rayan Our Board of Directors The principal role of the Board is to oversee the implementation of the Bank's strategy initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory requirements Chairman of the Board Vice Chairm
Slide 7: Management team
Introduction to Masraf Al Rayan Management team
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 21.35%) well above the regulatory threshold of 13.50% for a DSIB ▪ Financing exposure to Govern
Slide 9: Strong and stable bank
Introduction to Masraf Al Rayan Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 112 billion QAR 160 billion 1,813 million QAR 765 million Investment Efficiency Sovereign debt expo
Slide 10: Sustainability Governance
Introduction to Masraf Al Rayan Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF); which enables: ➢ ESG-linked funding opportunities to investors; ➢ Use of proceeds to finance eligible assets; ➢ Introduce ESG concepts in the bank; ➢ Set clear ESG
Slide 11: Product offering – Full suite of Islamic Banking Products
Introduction to Masraf Al Rayan Product offering – Full suite of Islamic Banking Products Retail Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance, Home Real estate and Project Direct finance: MM placements: finance, Asset Management: finance Murabaha, Mudaraba,
Slide 12: Key Recognitions in 2023, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2023, 2022
Slide 13: Financial Highlights and Performance
Financial Highlights and Performance
Slide 14: H1-2023 Summary
Financial Highlights and Performance H1-2023 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 160,468 million • Net profit totalled QAR 765 million • Net Profit margin of 1.89 %; compared to QAR 167,533 million on 31 for H1 2023, compared to QAR December 2022; 1,000 million
Slide 15: Income statement H1-2023
Financial Highlights and Performance Income statement H1-2023 Income statement (QAR million) H1 2023 H1 2022 YoY • Net profit attributable to the Equity Total income 4,613 3,269 41.1% holders of the bank totalled QAR 765 million for the H1 2023. Net operating profit 1,813 2,302 -21.2% Operating expe
Slide 16: Balance Sheet H1-2023
Financial Highlights and Performance Balance Sheet H1-2023 Balance Sheet (QAR billion) H1 2023 H1 2022 YoY • Financing Assets QAR 112 b: of which 46 % exposure to Govt. & GRE’s; Total Assets 160 168 -4.2% Financing assets 112 118 -5.1% • Investment securities QAR 34 b: of which 89% exposure is Sover
Slide 17: Funding & Liquidity H1-2023
Financial Highlights and Performance Funding & Liquidity H1-2023 Funding Mix – QAR m Deposit Mix – QAR m 144,656 120,000 136,300 96,814 6,080 4,982 100,000 88,863 12,079 7,804 12,642 9,479 7,655 29,683 80,000 29,812 8,790 60,000 40,000 79,531 96,813 72,418 88,863 20,000 - H1 2022 H1 2023 H1 2022 H1
Slide 18: Capital Adequacy H1-2023
Financial Highlights and Performance Capital Adequacy H1-2023 Equity Breakup Capitalisation % 24,009 24,168 1,188 1,219 1,583 1,551 12,098 11,938 9,300 9,300 H1 2022 H1 2023 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 168,664 • Stron
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments H1-2023
Operating Segments H1-2023 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Corporate Banking Retail Banking International Operations ➢ Core driver of the Bank’s business.
Slide 21: Operating Segments H1-2023
Operating Segments H1-2023 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Treasury and Financial Institutions Asset Management and Financial Advisory ➢ Core driver of the
Slide 22: Financial Statements
7 Ji | apa MASRAF AL RAYAN . Financial Statements .
Slide 23: Balance Sheet H1-2023
Financial Statements Balance Sheet H1-2023 QAR mn H1 2023 Q4 2022 H1 2022 Cash and Balances with central banks 4,976 5,088 6,111 Due from Banks 2,555 6,109 5,804 Financing Assets 111,812 117,859 118,775 Investment Securities 34,328 31,477 31,180 Investment in Associates 322 346 360 Fixed assets 959
Slide 24: Income statement H1-2023
Financial Statements Income statement H1-2023 QAR mn H1 2023 H1 2022 Net income from financing activities 3,492 2,299 Net income from investing activities 746 574 Total Net Income from Financing and Investing Activities 4,238 2,873 Fee and commission income 213 209 Fee and commission expense (4) (1)
Slide 25: Thank You
7 Ji | apa MASRAF AL RAYAN THANK YOU