Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — Dubai Islamic Bank — Investor Presentation (2015)
19 slides from Dubai Islamic Bank Pjsc's investor presentation, 2015
Slide 1: Investor Presentation
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Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS NOT FOR PUBLICATION, RELEASE, OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO AUSTRALIA, CANADA, SOUTH AFRICA, JAPAN OR THE UNITED STATES. THIS PRESENTATION DOES NOT CONSTITUTE OR FORM PART OF AN OFFER TO SELL OR TO ISSUE ANY SECURITIES OR SOLICITATION OF AN OFFER TO PU
Slide 3: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Financial Performance 3. Strategic Intent 4. Appendix 3
Slide 4: Dubai Islamic Bank at a Glance
Dubai Islamic Bank at a Glance A leading Islamic bank with a growing international footprint Snapshot of Dubai Islamic Bank Ownership Geographic Presence (as at 31 December 2014) • Dubai Islamic Bank (“DIB” or the “Bank”) was established Existing Presence in 1975 as the world’s first full service Is
Slide 5: 2014 Strategic Focus
2014 Strategic Focus Commitment to Growth, Profitability and Superior Service Drive Growth Drive Profitability Drive Service Grow financing in core businesses Redeployment of liquidity from low earning to Driven by optimized customer focused higher earning assets technology Expand locally and intern
Slide 6: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Financial Performance 3. Strategic Intent 4. Appendix 6
Slide 7: Overall Financial Performance (As at Dec 2014)
Overall Financial Performance (As at 31 Dec 2014) Strong Financial Performance on the Back of Conscious Strategic Shift and Intense Focus on Growth Balance Sheet Items Financial Highlights AED million 2013 2014 Change Key Ratios 2012 2013 2014 Net Financing assets 56,071 73,977 32% Net Financing & S
Slide 8: Operating Performance and Profitability
Operating Performance and Profitability Robust & Growing Profitability (AED million) Sustained Strong Margins (AED million) Net Operating Revenue Net Profit Earning Assets² Net Profit Margin (%)¹ 5,569 4,235 3,939 3.6% 3.3% 3.3% 2,804 1,718 1,213 85,223 113,288 109,845 2012 2013 2014 2012 2013 2014
Slide 9: Overview of Deployment of Funds / Financings
Overview of Deployment of Funds / Financings Deployed Funds Composition (AED bn) Deployment by Segment (AED bn) Net Financing Assets Sukuk Investments 36% 2012 2013 2014 Interbank placement & CDs Investment in equities & properties Operating Cash Others 38 23% 124 114 6 32 (52%) 99 5 8 8 8 26 27 25
Slide 10: Improving Asset Quality
Improving Asset Quality Non-Performing Assets (“NPA”)1 Financing Provisions and Coverage Ratios NPA Ratio Impaired Financing Ratio Overall Coverage Ratio² Provision Coverage Ratio 12.9% 134% 11.1% 9.8% 116% 8.8% 105% 8.0% 6.5% 78% 64% 46% 2012 2013 2014 2012 2013 2014 Cumulative Provisioning (AED mi
Slide 11: Funding Sources and Liquidity
Funding Sources and Liquidity Funding Sources (AED bn) Customers’ Deposits (AED bn) Liquidity Position (AED bn) Customer Deposits Customers' Deposits Sukuk Net Financing & Sukuk to Deposits¹ Ratio (%) Liquid Assets Liquid Assets/Total Assets (%) Equity Other payables Due to banks & FIs 4 99% 98% 36%
Slide 12: Capitalization Overview
Capitalization Overview Total Equity1 Breakdown (AED million) Capital Ratios vs. Regulatory Capital Requirements (%) Capital Reserves & Treasury Shares Retained Earnings Tier 1 Sukuk CAR Tier 1 Ratio Regulatory CAR Regulatory Tier 1 3,673 3,673 2,014 3,252 18.2% 18.2% 952 17.8% 17.5% 17.4% 4,339 4,6
Slide 13: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Financial Performance 3. Strategic Intent 4. Appendix 13
Slide 14: Strategic Focus 2015
Strategic Focus 2015 Drive Growth Drive Profitability Drive Service Open & Transparent Highly Engaged with all Stakeholders Selling Satisfaction rather than Products Market Leading Performance Simple Banking Consistently Beating Expectations Reinvigorating Investor Confidence Superior Growth Positio
Slide 15: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Financial Performance 3. Strategic Intent 4. Appendix 15
Slide 16: Key Strengths
Key Strengths What Differentiates DIB? Systematic Approach to Developing Strong and Trusted Brand Strategy Strong brand recognition Formalized approach to meet strategic objectives Links with Government of Dubai Established Track Record and Knowhow Good relationship which enables it to be at the Pro
Slide 17: DIB's Key Business Lines
DIB’s Key Business Lines Core Business Profiles The principal activities of DIB are focused around five core business areas: (i) Retail & Business Banking; (ii) Corporate Banking (“CBG”); (iii) Real Estate & Contracting Finance; (iv) Investment Banking; and (v) Treasury. Real Estate & Contracting Co
Slide 18: Consolidated Income Statement
Consolidated Income Statement AED million 2014 2013 2012 Net Revenue Audited Audited Audited Income from Islamic financing and investing transactions 4,444 4,030 3,946 Commission 1,189 799 780 Income / (loss) from other investment 39 22 22 Income from investment properties 83 61 90 Income from prope
Slide 19: Balance Sheet
Balance Sheet As on AED million 31-Dec-14 31-Dec-13 31-Dec-12 Assets Audited Audited Audited Cash and balances with central banks 16,317 22,713 15,474 Due from banks and financial institutions 4,316 9,606 3,293 Islamic financing and investing assets, net 73,976 56,071 55,183 Investments in Islamic S