Dubai Islamic Bank PJSC · DFM:DIB
Dubai Islamic Bank PJSC — Dubai Islamic Bank — Investor Presentation (2011)
26 slides from Dubai Islamic Bank PJSC's investor presentation, 2011
Slide 1: Dubai Islamic Bank Investor Presentation Year End 2010
Dubai Islamic Bank I Investor t Presentation P t ti Year End 2010
Slide 2: Disclaimer
Disclaimer The information provided in this presentation should not be used as a substitute for anyy form of advice. Decisions based on this information are for your own account and risk. Although DIB attempts to provide accurate, complete and up‐to‐date information, which has been obtained from sou
Slide 3: Contents
Contents About DIB DIB Financials Stock Information
Slide 4: The world's first Islamic Bank, established in 1975
Dubai Islamic Bank The world’s first Islamic Bank Established in 1975 68 Branches UAE Reaching 1,200,000 customers Pakistan DIB Pakistan 59 Branches Jordan Jordan DIB 5 Branches Turkey DIB Representative office
Slide 5: UAE Banking Sector Market Share
UAE Banking Sector Market Share Dec-09 Jun-10 Others CBD 14.6% 14 6% 2.8% ADIB ENBD 4.9% 21.5% UNB ENBD 5.8% NBAD Others 18.0% ADCB 15.0% 26 0% 26.0% 12 2% 12.2% FGB 9.6% NBAD CBD 13.0% 2.0% MASQ DIB 7.2% 6.4% DIB ADCB FGB 6.0% Dec-08 ADIB 9.0% 11.0% MASQ 4.0% Others 6.0% UNB CBD 16.0% 5.0% 2.9% 2 9
Slide 6: Formidable Name in Islamic Banking
Formidable Name is Islamic Banking Strong Islamic Bank with a Innovators and drivers of Strong Franchise Value large and loyal customer base Islamic Banking trends Accessible from everywhere - Strong geographical coverage Choice employer for Islamic Strong in deposits and market within UAE (branches
Slide 7: DIB Group Structure
DIB Group Structure 100 % owned Strategic Stakes
Slide 8: DIB's core businesses
DIB’s core businesses • Largest business Group within DIB • Full range of products and services Retail & Business B ki Banking • Customer segments: Mass Affluent Affluent, HNWI HNWI, SMEs • One of the largest Retail customer base in UAE • Market leaders: Deposits products and Auto finance, Islamic m
Slide 9: Mega Deals: Capital Market Transactions
Mega Deals: Capital Market Transactions DEWA JAFZ AED 1.1 Billion Sukuk AED 3.75 Billion Sukuk AED 3.20 Billion Sukuk AED 3.60 Billion Sukuk DP World AED 7.50 Billion Sukuk Joint Lead Manager & Joint Lead Manager & Joint Lead Manager & Joint Lead Manager & Joint Lead Manager & $ 1.5 billion Sukuk Bo
Slide 10: PF & Syndications Transactions
PF & Syndications Transactions DEWA $ 2.2 billion equiv. Borse Dubai PFZW ICD DEWA Al Jaber Group Multi currency Multi Tranche Ijara & $ 2.50 billion $ 1.25 billion $ 6 billion $ 2.2 billion equiv. $ 400 million equiv. Conventional Facilities Dual currency Conventional Dual currency Conventional Dua
Slide 11: Key Awards
Key Awards January ‐ Islamic Business & January ‐ Euromoney Finance Award : Islamic Finance Award April ‐Global Finance •Best Wealth Management for Best Islamic Bank December – Ethos inaugural World’s Best Firm, April – Global Banker Middle East Inaugural Mohammed Bin Customer Surveyy ranked •Best G
Slide 12: Key Awards - Recent
Key Awards - Recent April ‐ Best Islamic February – emeafinance Finance Bank in the Middle East Achievement UAE by Global Finance Awards: Best Syndicated Loan October ‐ The Banker’s Top Deal for US$2.2bn syndicated May ‐ Asset Triple A January ‐ 500 Islamic Financial facility for DEWA and Most Islam
Slide 13: Medium Term Strategy
Medium Term Strategy Risk Management Strengthening Balance Retail Expansion Sheet F Focus • Enhance • Enhance Risk Management • Building Cushion / coverage Distribution/Channels/POS Processes through adequate provisions • Implement Products • Strong and close monitoring • Utilizing excess liquidity
Slide 14: Contents
Contents Background About DIB DIB Financials Stock Information
Slide 15: UAE Banking Sector Market Share
UAE Banking Sector Market Share Dec-09 Dec-10 Others CBD 14.6% 14 6% 2.8% ADIB ENBD 4.9% 21.5% UNB ENBD 5.8% NBAD Others 18.0% ADCB 15.0% 26 0% 26.0% 12 2% 12.2% FGB 9.6% NBAD CBD 13.0% 2.0% MASQ DIB 7.2% 6.4% DIB ADCB FGB 6.0% Dec-08 ADIB 9.0% 11.0% MASQ 4.0% 6.0% UNB ADIB CBD 5.0% 4 2% 4.2% 2.9% O
Slide 16: Portfolio Snapshot 2010: Segmental Deposits
Portfolio Snapshot 2010 Segmental Deposits A large and stable deposit base providing core funding for the bank Banking generation of UAE Nationals 29% Primary funding coming form Retail Banking Retail deposits and hence well diversified Corporate Branch expansion strategy and Banking franchise value
Slide 17: Portfolio Snapshot 2010: Deposit Breakdown
Portfolio Snapshot 2010 Deposit Breakdown Nearly y a fourth of deposits p in current or no-cost accounts 24% Current Largest savings account base in Savings the country Term 60% 16% Due to the above, cost of fund is i line in li with ith the th market k t despite d it providing higher returns on inv
Slide 18: Portfolio Snapshot 2010: Segmental Financing
Portfolio Snapshot 2010 Segmental Financing Retail focused strategy paying rich dividends The retail financing base has grown to more than a quarter of total bank financing on its own and more than a 39% Retail Banking third with Tamweel mortgages consolidated Corporate 61% Banking Still significant
Slide 19: Portfolio Snapshot YE 2010
Portfolio Snapshot YE 2010 Portfolio Diversification, Business Overview Manufacturin Others, g and 13% services, 15% Treasury, Government , Real Estate Estate, 11% 8% 29% Real Estate, Retail and (6)% business banking, Financial 49% Institutions, 6% Home Wholesale finance, 21% banking, 33% Trade, 5%
Slide 20: Key Financials YE 2010
Key Financials YE 2010 Assets (USD Bln) Net Profit (USD Bln) 25.0 23.0 23.1 24.5 0.80 23 0 23.0 0 68 0.68 0.70 20.0 17.5 0.60 0.42 15.0 0.50 0.43 11.7 0.40 0.33 10.0 8.3 0.29 0 30 0.30 0 22 0.22 5.3 6.2 4.2 0.20 0.13 5.0 2.5 3.2 0.07 0.10 0.03 0.03 0.04 0.05 - - Financing (USD Bln) Deposits (USD Bln
Slide 21: Key Financials Ratios (%)
Key Financials Ratios (%) 100 90 90 20 5 17.8 17.5 17 80 78 18 16 70 13.6 14 60 12 50 2009 10 40 42 8.7 2009 40 2010 8 2010 30 22 21 6 20 4 2 1.4 0.9 10 0 0 Cost to Financing to Fee to Income Income Deposit ROE ROA CAR
Slide 22: Key Financials Ratios (%)
Key Financials Ratios (%) 3.65 3 47 3.47 2.7 2.0 Net Spread Cost of Fund Dec-10 Dec-09
Slide 23: Contents
Contents Background About DIB DIB Financials Stock Information
Slide 24: Dividend payments
Dividend payments Dividend Payment History (%) 60 55 50 40 42 40 30 30 20 20 20 15 10 10 10 0 2002 2003 2004 2005 2006 2007 2008 2009 2010 • Includes cash and / or bonus shares
Slide 25: Questions and Answers
Questions and Answers oa ALpstant ALIS ck Dubai Islamic Bank The wortd's first islamic bank
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