Alrayan Bank · QSE:MARK

Alrayan Bank — Masraf Al Rayan — FY2021 Earnings Presentation

21 slides from Alrayan Bank's earnings presentation, Dec 31, 2021

  1. Slide 1: Investor Presentation

    Investor Presentation 31 December 2021

  2. Slide 2: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 2

  3. Slide 3: Introduction to Masraf Al Rayan: Corporate Profile

    Introduction to Masraf Al Rayan Corporate Profile Overview of Masraf Al Rayan Q.P.S.C (MAR or the Bank) Branch Network  Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank Profile * 3 branches  Classified as a DSIB (Domestic Systemically Important Bank) 17 b

  4. Slide 4: Ownership Structure

    Introduction to Masraf Al Rayan Ownership Structure Shareholding Structure Credit Rating  Government, Government-related entities (GREs) and Qatari Institutional investors hold approx. 50.90% of MAR’s shares  Long-term and short-term foreign currency and local currency issuer ratings:  Considerin

  5. Slide 5: Board Composition

    Introduction to Masraf Al Rayan Board Composition 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 Members HE

  6. Slide 6: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 6

  7. Slide 7: Financial Highlights and Performance Summary

    Financial Highlights and Performance Summary  Total assets reached QAR 174,039 million compared to QAR 121,115 million on 31 December 2020, an increase of 43.7% Balance Sheet  Financing activities increased to QAR 120,553 million compared to QAR 85,983 million on 31 December 2020, an increase of 4

  8. Slide 8: Balance Sheet – Assets & Liabilities

    Financial Highlights & Performance Balance Sheet – Assets & Liabilities – QAR Million Assets Assets – Merger effect +43.7% Merged 200,000 174,039 174,039 180,000 MAR 20,595 160,000 20,595 121,115 121,576 32,891 140,000 121,115 32,891 120,000 102,949 106,397 14,012 14,236 97,294 14,012 100,000 9,654

  9. Slide 9: Balance Sheet - Equity

    Financial Highlights & Performance Balance Sheet - Equity – QAR Million Equity Breakup Equity - Merger effect +69.07% Merged 24,672 24,672 200 1,000 2,196 11.7% 14,592 MAR, 15,942 11.6% 14,593 13,473 3.7% 3.7% 14,132 1.9% 11,976 213 227 12.4% 1.9% 196 3.7% 2,207 1,809 2.3%2,149 8.5% 5.0% 2.2% 15.2%

  10. Slide 10: Income Statement

    Financial Highlights & Performance Income Statement – QAR Million Profitability * Profitability– Pro-forma** Net Operating profit Merged Net profit to Equity holders +51.5% 4,893 3,628 3,229 MAR 2,892 MAR 2,736 2,788 3,511 2,130 11.7% 2,178 2,175 3,229 2,028 11.6% 3.7% 3.7% 1,718 1.9% 12.4% AKCB 1.9

  11. Slide 11: Balance Sheet – Exposure and Asset Quality

    Financial Highlights & Performance Balance Sheet – QAR Million Gross Exposure - Funded & Unfunded – Q4 2021 Financing Assets Breakdown by Industry – Q4 2021 8.9% 5.5% 12.8% 19.6% 24.2% 44.0% Government / GRE Lending 15.4% +43% 2.1% 1.2% 11.1% 1.7% 1.3% 15.8% 23.5% 6.8% 1.9% 4.3% Government Governmen

  12. Slide 12: Breakdown of Investment Securities

    Financial Highlights & Performance Balance Sheet Breakdown of Investment Securities – Q4 2021 - % Sovereign vs. Private Debt Exposure* Investments by Asset Class 1.0% 12.3% 87.7% 99.0% Debt type investments Equity type investments Sovereign -Debt exposure Private -Debt exposure *% of total debt inve

  13. Slide 13: Expected Credit Loss (ECL) analysis

    Financial Highlights & Performance Balance Sheet – Expected Credit Loss (ECL) analysis – QAR Million ECL on all exposures - by Stages* All exposures subject to ECL - by Stages 2,500 2,008 2,000 250,000 192,562 1,500 200,000 2,150 1,086 116,257 134,023 22,527 1,065 150,000 1,043 1,000 709 822 15,739

  14. Slide 14: Funding & Liquidity

    Financial Highlights & Performance Funding & Liquidity – QAR Million Deposit Mix Deposit Mix +55.2% Merged 120,000 106,956 MAR 106,956 7,239 7,239 100,000 MAR 9,193 77,817 9,193 80,000 68,918 68,918 62,531 65,613 7,149 AKCB 61,569 8,415 8,415 8,343 60,000 3,916 4,366 6,532 6,620 7,269 7,527 8,492 8,

  15. Slide 15: Capital Adequacy

    Financial Highlights & Performance Capital Adequacy – QAR Million Risk Weighted Assets (RWA) Capitalisation % +54.8% Merged MAR MAR AKCB 104,858 67,746 69,096 35,762 + = 2020 MAR AKCB 2021 Key Highlights  Strong capitalization level - CAR (inclusive of CET1 capital of 18.91%) of 20.95% as at 31 Dec

  16. Slide 16: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 16

  17. Slide 17: Segments Overview

    Introduction to Masraf Al Rayan Segments Overview  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

  18. Slide 18: Segments Overview

    Introduction to Masraf Al Rayan Segments Overview  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 Asset Management and Treasury and Financial Institutions Financial Advi

  19. Slide 19: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 19

  20. Slide 20: Historical Financials: Consolidated Income Statement

    Historical Financials Consolidated Income Statement QAR mn 2018 2019 2020 2020 2021 * Net incom e from financing activities 3,539 3,710 3,680 3,680 3,711 Net incom e from inves ting activities 838 931 925 925 890 Total Net Income from Financing and Investing Activities 4,377 4,641 4,605 4,606 4,600

  21. Slide 21: Historical Financials: Consolidated Statement of Financial Position

    Historical Financials Consolidated Statement of Financial Position QAR mn 2017 2018 2019 2020 2021 * Cas h and Balances with central banks 2,800 3,027 3,123 7,071 5,221 Due from Banks 3,312 1,513 6,035 6,308 9,156 Financing As s ets 72,097 72,515 74,837 85,983 120,553 Inves tm ent Securities 23,423

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