Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q2 2016 Earnings Presentation
12 slides from Al Rajhi Bank's earnings presentation, Oct 19, 2016
Slide 1: Investor Relations Presentation Q2 2016
Investor Relations Presentation Q2 2016
Slide 2: Table of Content
Table of Content 1 Al Rajhi at a Glance 3 2 Presence & Business Segments 4 3 Sustainable Growth in Our Financial Position 5 4 Financial Performance 6 5 Low NPL Ratio & High LLP Coverage 7 6 Al Rajhi Bank Strengths 8 7 Al Rajhi Bank Rating 9 8 Balance Sheet Summary – Jun 2016 10 9 Statement of Income
Slide 3: Al Rajhi at a Glance
Al Rajhi at a Glance • The Largest Islamic Bank in the world by Total Assets • Strong legacy dating back to 1957, gone public through an IPO in 1987 • Leading bank in Saudi Arabia in terms of customer base, networks, and number of transactions. #1 in Total #1 in Branch #1 in ATM #1 in POS #1 in Reta
Slide 4: Presence & Business Segments
Presence & Business Segments Kuwait Segments Contributions Jordan (6) (1) To The Operating Income* Investment Corporate Treasury Services & Brokerage 10% 12% Segment 4% Retail Saudi Arabia Malaysia 73% * For the Period 6M 2016 (Number of Branches) (534) (24) Retail Banking • Personal Finance Corpora
Slide 5: Sustainable Growth in Our Financial Position
Sustainable Growth in Our Financial Position Assets Loans Deposits SAR Bn. SAR Bn. SAR Bn. 331 225 CAGR CAGR CAGR 5.7 % 316 6.9 % 210 5.0 % 270 256 308 206 256 280 187 232 267 172 221 Q2 Q2 Q2 2015 2016 2015 2016 2015 2016 2012 2013 2014 2012 2013 2014 2012 2013 2014 Sustainable growth in Balance sh
Slide 6: The Financial Performance
The Financial Performance Income & Operating Costs Net Income SAR Bn. SAR Bn. Income Cost 7.88 27.0% 29.3% 33.1% 33.9% 35.9% 31.5% 7.43 7.13 6.83 ١٣.٩٨ ١٣.٨٤ ١٣.٦٦ ١٣.٧٤ 6.9٦ 7.59 4.07 3.46 ٣.٧٧ ٤.٠٥ ٤.٥١ ٤.٦٥ 2.٥0 2.39 2015 2012 201٣ 201٤ 201٥ 6M 6M 2012 2013 2014 6M 6M 2015 2016 2015 2016 One of t
Slide 7: Low NPL Ratio & High LLP Coverage
Low NPL Ratio & High LLP Coverage 200% 2.1% 196% 195% 2.0% 190% 1.9% 180% 1.7% 177% 1.6% 170% 1.5% 1.5% 160% 1.3% 1.4% 150% 1.3% 144% 1.1% 140% 137% 0.9% 130% 120% 0.7% 110% 0.5% 2012 2013 2014 2015 Q2 2016 2012 2013 2014 2015 Q2 2016 LLP Coverage % NPL % • Continuous improvement in bank’s assets qu
Slide 8: Al Rajhi Strengths
Al Rajhi Strengths Al Rajhi has the highest The highest Non-Commission Bearing Retail Assets in the market Deposits % of Total Deposits within the market 250 Al Rajhi 93% Retail Assets – SAR Bn. (177) 200 59% Riyad NCB 150 (39) (108) 100 Samba 50 (39) 0 0 100 200 300 400 500 600 Al Rajhi The rest of
Slide 9: Al Rajhi is rated by all major Rating Agencies
Al Rajhi is rated by all major Rating Agencies 2013 2014 2015 Q2 2016 Moody’s A1 A1 A1 A1 S&P A+ A+ A BBB+ Fitch A+ A+ A+ A KSA Sovereign Aa3 Aa3 Aa3 A1 Moody's KSA Sovereign AA- AA- A+ A- S&P • Al Rajhi Bank’s strong financial position and credit profile is endorsed by major Rating Agencies. • Mood
Slide 10: Balance Sheet Summary – Jun 2016
Balance Sheet Summary – Jun 2016 SAR - Millions June 2016 Dec 2015 June 2015 YTD Growth % YoY Growth % Due From Banks & Other 24,894 26,911 17,344 -7.5% 43.5% Financial Institutions Investments 35,922 39,877 60,556 -9.9% -40.7% Financing, net 224,523 210,218 210,621 6.8% 6.6% Total Assets 331,381 31
Slide 11: Statement of Income Summary – 6M 2016
Statement of Income Summary – 6M 2016 SAR - Millions Income Statement 6M 2016 6M 2015 Change % Net Yield Income 5,331 4,978 7.1% Fees from Banking Services 1,677 1,312 27.9% Exchange & Other Income 587 667 -12.1 Total Operating Income 7,595 6,957 9.2% Total Operating Expenses 2,396 2,508 -4.5% Incom
Slide 12: Disclaimer
Disclaimer • AL RAJHI BANK HEREIN REFERRED TO AS ARB MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING THIS DOCUMENT OR THE MATERIALS AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH THIS DOCUMENT. THE MATERIAL AND INFOR- MATION CONTAINED O