Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — Dubai Islamic Bank — FY2016 Earnings Presentation
25 slides from Dubai Islamic Bank Pjsc's earnings presentation, 2017
Slide 1: The better way to bank – Investor Presentation
The better way to bank Investor Presentation For the period ended December 31st 2016
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Disclaimer THIS PRESENTATION IS NOT FOR PUBLICATION, RELEASE, OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO AUSTRALIA, CANADA, SOUTH AFRICA, JAPAN OR THE UNITED STATES.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. Strategic Intent 3. Financial Performance 4. Strategic Focus 5. 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 Geographic Presence Ownership (as at 31st December 2016) • Dubai Islamic Bank (“DIB” or the “Bank”) was established Existing Presence Saeed A. Government in 1975 as the world’s
Slide 5: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Strategic Focus 5. Appendix 5
Slide 6: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 7: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Strategic Focus 5. Appendix 7
Slide 8: Overall Financial Performance (as at 31st December 2016)
Overall Financial Performance (as at 31st December 2016) Strong Financial Performance on the Back of Intense Focus on Growth Balance Sheet Items Financial Highlights AED million Dec 2015 Dec 2016 Change Key Ratios Dec 2014 Dec 2015 Dec 2016 Net Financing Assets 97,220 114,968 18% Net Financing to De
Slide 9: Operating Performance & Profitability
Operating Performance & Profitability Robust & Growing Profitability (AED million) Sustained Strong Margins (AED million) 151,309 6,761 129,624 6,489 5,432 107,528 3.48% 3.63% 3,839 4,050 3.23% 2,804 Dec 2014 Dec 2015 Dec 2016 2014 2015 2016 Net Operating Revenue Net Profit Profit Bearing Assets² Ne
Slide 10: Overview of Deployment of Funds / Financings
Overview of Deployment of Funds / Financings Deployed Funds Composition (AED bn) Deployment by Segment (AED bn) 175 7 Dec 2014 Dec 2015 Dec 2016 150 12 8 7 10 124 11 71 8 23 6 7 9 56 7 20 12 40 37 39 16 31 115 20 23 97 16 9 10 11 12 74 7 10 7 8 8 Corporate Consumer Real estate Sukuk Interbank Invest
Slide 11: Improving Asset Quality
Improving Asset Quality Non-Performing Assets (“NPA”)1 Financing Provisions and Coverage Ratios Overall Coverage Ratio² Provision Coverage Ratio NPA Ratio Impaired Financing Ratio 8.0% 158% 147% 6.5% 134% 117% 5.0% 4.1% 95% 3.9% 3.6% 78% Dec 2014 Dec 2015 Dec 2016 Dec 2014 Dec 2015 Dec 2016 Cumulati
Slide 12: Funding Sources and Liquidity
Funding Sources and Liquidity Funding Sources (AED bn) Customers’ Deposits (AED bn) Liquidity Position (AED bn) Due to banks & FIs Other payables Equity Sukuk Customer Deposits Liquid Assets Liquid Assets/Total Assets (%) 175 Customers' Deposits 11 Net Financing to Deposit Ratio* 150 7 16% 5 27 7 88
Slide 13: Capitalization Overview
Capitalization Overview Total Equity1 Breakdown (AED million) Capital Ratios* Capital Reserves & Treasury Shares Retained Earnings Tier 1 Sukuk CAR Tier 1 Ratio 24,500 18.2% 18.1% 20,469 17.4% 7,346 18.2% 15,525 17.8% 7,346 15.7% 3,673 5,641 14.9% 3,252 4,564 15.5% 6,571 14.7% 4,646 4,605 13.9% 3,95
Slide 14: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 15: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Strategic Focus 5. Appendix 15
Slide 16: A decade in a glance
A decade in a glance…. 1. 2009 – 2013 CONSOLIDATION 2. 2014 – 2016 GROWTH 3. 2017 – 2018 GROWTH 2.0 16
Slide 17: Strategy 2017 - 2018: Growth 2.0
Strategy 2017 - 2018 Consumer Banking – Wholesale Banking – Maximizing business Continue to enhance opportunities wallet share GROWTH 2.0 International presence – Identify synergies and Manage / Rationalize unlock value 17
Slide 18: Strategic Focus 2017
Strategic Focus 2017 New Business & New Customer Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors PROTECT Innovation – Products, Service, Technology, Retain customers – Service Quality / Channels Targeted Product Marketing & Selling GROW Delive
Slide 19: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Strategic Focus 5. Appendix 19
Slide 20: Consolidated Income Statement
Consolidated Income Statement AED million 2016 2015 2014 Net Income Unaudited Audited Audited Income from Islamic financing and investing transactions 6,521 5,520 4,444 Commission 1,425 1,295 1,052 Income / (loss) from other investment 36 37 39 Income from investment properties 75 111 83 Income from
Slide 21: Balance Sheet
Balance Sheet As on AED million 31 Dec 2016 31 Dec 2015 31 Dec 2014 Assets Un-audited Audited Audited Cash and balances with central banks 16,655 13,415 16,317 Due from banks and financial institutions 4,546 5,085 4,316 Islamic financing and investing assets, net 114,968 97,220 73,977 Investments in
Slide 22: 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 23: 2014 - 2016 Select Awards & Accolades
2014 - 2016 Select Awards & Accolades Dr. Adnan Chilwan Forbes 2016 Top 10 • Best Islamic Bank Indian Leaders Best Sharia Advisory in the Arab • Best Overall Islamic Bank • Best Islamic Retail Bank UAE World Indonesia Deal of the Year Service for Dar Al Sharia • Best Investment Bank • • Best Premium
Slide 24: 2015 - 2016 Select DIB DCM Transactions
2015 - 2016 Select DIB DCM Transactions Government of Pakistan US$ 250,000,000 Sukuk US$ 1,500,000,000 Sukuk US$ 500,000,000 Sukuk US$ 1,000,000,000 Sukuk US$ 750,000,000 Sukuk US$ 500,000,000 Sukuk (Tap Issue) Joint Lead Manager Joint Lead Manager Joint Lead Manager Joint Lead Manager Joint Lead Ma
Slide 25: 2015 – 2016 Select Syndicated Transactions
2015 – 2016 Select Syndicated Transactions Government of Pakistan, Bukhatir Industrial Ministry of Finance Investments AED 1,120,000,000 USD 460,000,000 USD 200,000,000 AED 1,000,000,000 USD 830,000,000 AED 993,000,000 Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Arranger Mandated Lea