The National Bank Of Ras Al Khaimah · ADX:RAKBANK

The National Bank Of Ras Al Khaimah — Q1 2017 Earnings Presentation

13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2017

  1. Slide 1: RAKBANK Investor Relations Presentation 1Q / 3M 2017

    RAKBANK Investor Relations Presentation 1Q / 3M 2017

  2. Slide 2: RAKBANK Profile

    RAKBANK Profile Establishment Awards & Recognition  The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major  Best SME Program by Mastercard transformation in 2001 as it rebranded into RAKBANK and shifted its focus from  11th Middle East Happiness and Positivity Excellence Aw

  3. Slide 3: RAKBANK Profile: Subsidiaries, Ratings, Regulatory Framework

    RAKBANK Profile Subsidiaries Ratings Subsidiary Ownership Country Purpose Rating Agency Last Update Deposits Outlook Support To develop insurance RAK Insurance 79.23% UAE products March 2017 Baa1 / P-2 Stable 2 RAK Islamic** 99.99%* UAE To sell Sharia- Finance Company compliant products RAKFUNDING T

  4. Slide 4: Shareholders, Directors & Management

    Shareholders, Directors & Management Ownership Structure Board of Directors H.E. Mohamed Omran Alshamsi Chairman 3.7% Government of Ras Al Khaimah H.E. Sheikh Salem Al Qasimi Director 29.6% GCC Nationals Mr. Salem Ali Al Sharhan Director 52.8% Mr. Ahmed Essa Al Naeem Director 13.9% UAE Nationals Mr.

  5. Slide 5: Business Segments

    Business Segments Personal Banking customers are serviced through a network of 38 branches, over 275 ATMs, as well as its Telephone and Digital Personal Banking Banking channels. Sales takes place across all channels and through mobile staff. This segment has a strong fee-based income from the sale

  6. Slide 6: 1Q / 3M 2016 Highlights

    1Q / 3M 2016 Highlights Financial Snapshot Key Ratios Variance Variance Mar ‘17 Mar ‘17 (AED Mn) Q1 ’17 Q4 ‘16 Q1 ’16 Ratios Mar ’17 Dec ’16 Mar ’16 v/s Dec v/s Mar YTD Y-o-Y ’16 ’16 Net Interest Income 663 687 744 (3.5%) (10.9%) Return On Equity* 8.2% 8.7% 12.8% (0.5%) (4.6%) Non-Interest Income 28

  7. Slide 7: Balance Sheet Overview

    Balance Sheet Overview Breakdown of Assets by Type (as at 31.03.17) Assets and Gross Loans & Advances (AED Bn) Cash and Balances Gross Loans and Advances Total Assets with UAE Central 50 2.6% Bank 42.5 42.9 2.1% Due from other 40.6 10.0% 5.9% Banks 40 34.8 10.9% 30.1 30.4 Loans and Advances, 28.5 29

  8. Slide 8: Loans Mix

    Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances - Personal Banking (AED Bn) 31.12.2015 31.12.2016 31.03.2017 31.12.2015 31.12.2016 31.03.2017 4.65 18.13 17.75 17.97 4.42 3.75 4.10 3.24 3.38 3.54 3.51 3.14 3.16 2.81 2.61 2.66 2.65 2.52 8.41 7.49 7.55 4.54 4.90 1.24 1.34 1.

  9. Slide 9: Asset Quality

    Asset Quality Non-Performing Loans (AED Mn) Net Credit Loss Impaired Loans Impaired Loans to Gross Loans and Advances 6.2% 6.0% 6.0% 1400 4.4% 5.0% 4.2% 1200 4.0% 3.8% 3.2% 4.0% 1000 800 2.4% 2.4% 3.0% 2.5% 1,249.5 1,332.5 1.6% 600 2.0% 2.0% 400 914.4 539.8 618.8 1.0% 200 0.0% 0 0.0% 2013 2014 2015

  10. Slide 10: Liabilities

    Liabilities Customer Deposits (AED Bn) Notes Time Current Savings Call Islamic 30  Customer deposits grew by AED0.393Bn to AED29.8Bn compared to 31 2.7 3.0 December 2016. Customer deposits grew by AED1.4Bn compared to 31 3.5 1.2 1.0 25 3.3 March 2016. The growth came mainly from an increase of AED1

  11. Slide 11: Capitalization

    Capitalization Equity Breakdown (AED Bn) Capital Adequacy Ratio (CAR) Share Capital Reserves Retained Earnings 29.0% 30% 26.5% 8 24.4% 2.1 1.9 2.0 25% 22.3% 22.2% 6 1.8 1.5 20% 4 3.4 3.7 3.9 4.0 4.0 15% 2 1.7 1.7 1.7 1.7 1.7 0 10% 2013 2014 2015 2016 3M '17 2013 2014 2015 2016 3M '17 Risk Weighted A

  12. Slide 12: Profitability

    Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit 50% 5.00 3.94 43.8% 3.84 45% 42.3% 4.00 3.56 3.20 3.00 40% 37.5% 37.1% 2.00 35.6% 1.43 1.45 1.41 0.95 35% 1.00 0.66 0.15 0.00 30% 2013 2014 2015 2016 3M '17 2013 2014 2015 2016 3M '17 Annualized Returns Net Interest Ma

  13. Slide 13: Disclaimer

    Disclaimer The information in this presentation has been prepared by The National Bank of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates (“RAKBANK”) and is general background information about RAKBANK’s activities and is not intended to be current as on the date of the pre

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