Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — Q3 2024 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, October 2024
Slide 1: Investor Presentation Financial Results - Q3 2024
Investor Presentation Financial Results- Q3 2024 October 2024
Slide 2: Content
Content Introduction to Masraf Al Rayan Financial Highlights and Performance Operating Segments Financial Statements
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 16 branches Profile • Classified as a DSIB (Domestic Systemically Important Bank) 111 • Legal merger completed on December 1, 2021 with Al
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and Qatari Ownership: 79.83% local currency issuer ratings: A2/Prime-1 Govt. /GRE: 34.14% (Major shareholders below) Baseline credit assessment and adjusted ba
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 Vice Chairm
Slide 7: Management team
Introduction to Masraf Al Rayan Management team
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 23.34%) well above the regulatory threshold of 13.50% for a DSIB ▪ Financing exposure to Govern
Slide 9: Strong and stable bank
Introduction to Masraf Al Rayan Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 110 billion QAR 166 billion 2,767 million QAR 1,288 million Investment Efficiency Sovereign debt ex
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 tar
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 Real estate and Project Direct finance: MM placements: Murabaha, Asset Management Home finance finance Murabaha, Mu
Slide 12: Key Recognitions: 2023-2024
Introduction to Masraf Al Rayan Key R ecognitions : 2023- 2024
Slide 13: Financial Highlights and Performance
Financial Highlights and Performance
Slide 14: Q3 2024 Summary
Financial Highlights and Performance Q3 2024 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 165,761 million • Net profit totalled QAR 1,288 • Net Profit margin of 1.96 % compared to QAR 164,200 million on 31 million in Q3 2024, compared to December 2023 QAR 1,238 million
Slide 15: Income statement Q3 2024
Financial Highlights and Performance Income statement Q3 2024 Income statement (QAR million) Q3 2024 Q3 2023 YoY • Net profit attributable to the Equity Total income, net of finance expenses 6,504 5,456 19.2% holders of the bank totalled QAR 1,288 Operating expenses (including tax) 730 669 9.1% mill
Slide 16: Balance Sheet Q3 2024
Financial Highlights and Performance Balance Sheet Q3 2024 Balance Sheet (QAR billion) Q3 2024 Q3 2023 YoY • Financing Assets QAR 110 Bn of which 48% is Total Assets 166 164 0.8% exposure to Govt. & GRE’s Financing assets 110 110 0.1% Investments securities 39 37 6.0% • Investment securities QAR 39
Slide 17: Funding & Liquidity Q3 2024
Financial Highlights and Performance Funding & Liquidity Q3 2024 Funding Mix – QAR Mn Deposit Mix – QAR Mn 120,000 108,635 134,744 136,113 92,509 7,505 100,000 7,788 12,371 11,254 16,223 6,914 29,863 80,000 9,399 60,000 93,342 108,635 40,000 76,196 92,509 20,000 - Q3 2023 Q3 2024 Q3 2023 Q3 2024 Cus
Slide 18: Capital Adequacy Q3 2024
Financial Highlights and Performance Capital Adequacy Q3 2024 Equity Breakup Capitalisation % 24,608 25,242 1,224 1,267 2,024 2,265 12,411 12,061 9,300 9,300 Q3 2023 Q3 2024 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 164,374 • Stron
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments Q3 2024
Operating Segments Q3 2024 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.
Slide 21: Operating Segments Q3 2024
Operating Segments Q3 2024 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 ➢ Core driver of the
Slide 22: Financial Statements
7 Ji | apa MASRAF AL RAYAN . Financial Statements .
Slide 23: Balance Sheet Q3-2024
Financial Statements Balance Sheet Q3-2024 QAR mn Q3 2024 Q4 2023 Q3 2023 Cash and Balances with central banks 5,978 4,993 5,231 Due from Banks 4,254 5,663 5,632 Financing Assets 110,037 108,228 109,947 Investment Securities 39,032 38,599 36,811 Investment in Associates 340 349 335 Fixed assets 1,01
Slide 24: Income statement Q3-2024
Financial Statements Income statement Q3-2024 Q AR m n Q 3 2024 Q 3 2023 Net income from financing activities 5,551 5,395 Net income from investing activities 1,524 1,192 Finance expense (1,091) (1,653) T ota l Net Inc om e f r om Fi na nc i ng a nd Investi ng 5,984 4,934 Ac ti vi ti es, net of f i
Slide 25: Thank You
7 Ji | apa MASRAF AL RAYAN THANK YOU