Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — H1 2022 Earnings Presentation
29 slides from Alrayan Bank's earnings presentation, July 2022
Slide 1: Investor Presentation Financial Results - H1 2022
Investor Presentation Financial Results- H1 2022 July, 2022
Slide 2: Content
Content Introduction to Masraf Al Rayan Post merger integration update Financial Highlights and Performance Operating Segments Financial Statements 2
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 3 branches 17 Profile • Classified as a DSIB (Domestic Systemically Important Bank) branches 109 ATMs • Legal merger completed on December
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Total Shareholders 189 k (of which 138 k or 73% non-resident) Long-term and short-term foreign currency and local currency issuer ratings: A1/Prime-1 Govt. /GRE Shareholding* 34.1% (see major sharehold
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 Board Membe
Slide 7: Management team
Introduction to Masraf Al Rayan Management team 7
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by consistently high asset quality, earnings growth and strong capitalization Robust capitalization (CAR 20%) well above the regulatory threshold of 13.50% for a DSIB Financing exposure to Government and G
Slide 9: A strong and stable bank
Introduction to Masraf Al Rayan A strong and stable bank* Total Assets Net operating Income Financing activities Net profit Total assets QAR 169 b, an Net operating profit 2,262 m , increase of 35 % compared to increase 21% compared to Increased 30 % compared to Net profit totaling 2021 2021 2021 QA
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 MM placements: finance, finance Direct finance: Murabaha, Asset Management: Murabaha,
Slide 12: Key Recognitions in 2021, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2021, 2022 12
Slide 13: Post merger integration update
Post merger integration update
Slide 14: Merger with AKCB – Integration update
Introduction to Masraf Al Rayan Merger with AKCB – Integration update Merger & Integration Timelines •Legal merger • Announced completed potential Branches, Customer Day 1 June Merger Deal •Board and Q1 ATMs and May-19, 2020 merger Jan. 2021 signed Dec-1, 2021 Senior (Re-Platforming discussions 2022
Slide 15: Financial Highlights and Performance
Financial Highlights and Performance
Slide 16: Results (actuals & pro forma)
Financial Highlights and Performance Q1 results (actuals & pro forma) • H1 2021 comparative amounts are “Pro forma” to enable a like for like comparison with H1, 2022 actual results; • Pro forma financial information consists of the unaudited condensed consolidated income statement of MAR Group (MAR
Slide 17: H1 2022 - Summary
Financial Highlights and Performance H1 2022 - Summary Balance Sheet Income statement* Financial Ratios • Total assets reached QAR 168,644 • Net profit totalled QAR 1,026 million for • Annualized return on average assets million compared to QAR 174,034 the period ended 30 Jun 2022 of 1.20%; million
Slide 18: Income Statement (actuals & pro forma)
Financial Highlights and Performance Income Statement (actuals & pro forma) Half year trend Income statement (QAR million) * H1 2022 H1 2021 YoY • Net profit attributable to the Equity holders of the bank totalled QAR 1,026 million for the H1 Operating income 3,266 3,618 -10% 2022. Net operating pro
Slide 19: Balance Sheet (actuals)
Financial Highlights and Performance Balance Sheet (actuals) Year to date Balance Sheet (QAR billion) H1 2022 Q4 2021 Change • Financing Assets QAR 119 b: of which 44.8 % exposure to Govt. & GRE’s; Total Assets 169 174 -3% • Investment securities QAR 31 b: of which 94% exposure is Financing assets 1
Slide 20: Funding & Liquidity
Financial Highlights and Performance Funding & Liquidity Funding Mix – QAR m Deposit Mix – QAR m 120,000 106,957 143,519 96,814 138,493 7,240 100,000 9,193 7,804 13,315 11,996 9,479 23,247 80,000 29,683 60,000 90,524 106,957 40,000 79,531 96,814 20,000 - Q4 2021 H1 2022 Q4 2021 H1 2022 Customers' de
Slide 21: Capital Adequacy
Financial Highlights and Performance Capital Adequacy Equity Breakup Capitalisation % 24,666 24,071 1,200 1,187 2,082 1,527 12,057 12,084 9,300 9,300 Q4 2021 H1 2022 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Risk Weighted Assets Key Highlights 174,034 • Strong ca
Slide 22: Operating Segments
— \F QGuit| pan MASRAF AL RAYAN Operating Segments
Slide 23: Operating Segments
Operating Segments 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. Divers
Slide 24: Operating Segments
Operating Segments 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 Represents contribution fr
Slide 25: Financial Statements
— \F QGuit| pan MASRAF AL RAYAN Financial Statements
Slide 26: Published Balance Sheet
Financial Statements Published Balance Sheet QAR mn H1 2022 Q4 2021 Variance% Cash and Balances with central banks 6,111 5,221 17% Due from Banks 5,804 9,156 -37% Financing Assets 118,740 120,807 -2% Investment Securities 31,199 32,775 -5% Investment in Associates 360 349 3% Fixed assets 772 715 8%
Slide 27: Published Income statement
Financial Statements Published Income statement QAR mn H1'22 H1'21 H1'22 vs H1'21 Net income from financing activities 2,338 1,857 26% Net income from investing activities 570 432 32% Total Net Income from Financing and Investing Activities 2,908 2,289 27% Fee and commission income 209 161 30% Fee a
Slide 28: Pro forma Income statement
Financial Statements Pro forma Income statement QAR mn H1'22 H1'21 H1'22 vs H1'21 Net income from financing activities 2,338 2,650 -12% Net income from investing activities 570 651 -12% Total Net Income from Financing and Investing Activities 2,908 3,301 -12% Fee and commission income 209 222 -6% Fe
Slide 29: Thank You
THANK YOU 7 a <= Sige \. ‘; — Als, 29