The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — FY2021 Earnings Presentation
19 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2022
Slide 1: Investor Presentation Q4 / 12M 2021
Investor Presentation Q4 / 12M 2021
Slide 2: Highlights
RAKBANK Investor Presentation – Q4 / 12M 2021 2 Highlights Net profit Impairment increased charges declined • Gross Loans and Advances increased by 6.1% YOY and Customer Deposits by 50% by 35% increased by 1.9 % YOY FY 21 v/s FY 20 FY 21 v/s FY 20 • Provision for credit loss continues to improve, de
Slide 3: Bank profile
Bank profile RAKBANK Investor Presentation – Q4 / 12M 2021 3
Slide 4: The UAE's leading SME lender
RAKBANK Investor Presentation – Q4 / 12M 2021 4 The UAE’s leading SME lender As of 31 Dec 2021 History • Founded in 1976; listed on Abu Dhabi AED 7.5 b Securities Exchange (ADX) in 2005. market cap • Headquartered in the emirate of Ras Al Khaimah (‘RAK’). AED 56.3 b • Major transformation in 2001, r
Slide 5: Institutional Strength
RAKBANK Investor Presentation – Q4 / 12M 2021 5 Institutional Strength Credit Ratings Ownership Structure as of 31st December 2021 Government of Ras Al Khaimah UAE Nationals GCC Nationals Foreigners Rating Agency Last Update Deposits Outlook 1.7% Moody’s October 2021 Baa1 / P-2 Stable 14.5% Fitch Ra
Slide 6: Business Segment Overview
RAKBANK Investor Presentation – Q4 / 12M 2021 6 Business Segment Overview Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non- • Incorporating financing • Incorporating money • Incorporating all customer financing, individual financin
Slide 7: Performance
Performance RAKBANK Investor Presentation – Q4 / 12M 2021 7
Slide 8: Performance highlights
RAKBANK Investor Presentation – Q4 / 12M 2021 8 Performance highlights Income Statement [AED Mn] Quarterly Results Full year results Variance Q4'21 Vs Income Statement Highlights Q4'21 Q4'20 FY2021 FY2020 FY21 Vs FY20 Q4'20 Net Interes t Income 547.2 561.8 2,168.4 2,525.6 (2.6%) (14.1%) Non-Interes
Slide 9: Profitability
RAKBANK Investor Presentation – Q4 / 12M 2021 9 Profitability Profitability [AED Bn] Cost-to-Income Ratio Total Income Net Profit 43.2% +50.0% -9.4% 3.8 3.8 4.0 3.6 39.5% 39.2% 3.2 38.0% 38.9% 1.1 0.8 0.9 0.8 0.5 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Dec’21 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Dec’21 Annualize
Slide 10: Balance sheet summary
RAKBANK Investor Presentation – Q4 / 12M 2021 10 Balance sheet summary Breakdown of Assets by Type [%] Assets & Advances Growth [AED Bn] Cash & Bal. with UAE Central Bank Net Loans and Adv. Other Assets Gross Loans & Advances Total Assets Due from other Banks Inv. Securities +6.6% +6.1% 6.9% 4.0% 57
Slide 11: Customer Assets Mix
RAKBANK Investor Presentation – Q4 / 12M 2021 11 Customer Assets Mix Total Customer Assets by Segment [AED Bn] Total Customer Assets – Personal Banking [AED Bn] Dec '18 Dec '19 Dec '20 Dec ‘21 FI Loans - Banks Dec '18 Dec '19 Dec '20 Dec ‘21 18.5 18.7 17.4 15.4 5.6 16.7 13.4 4.7 12.5 4.4 6.7 4.0 9.7
Slide 12: Liabilities
RAKBANK Investor Presentation – Q4 / 12M 2021 12 Liabilities Customer Deposits Growth [AED Bn] Notes Time Current Savings Call +2% 36.8 36.9 37.6 • Customer deposits increased by AED 0.7 billion to AED 37.6 billion 34.1 1.2 1.2 1.3 32.2 4.0 compared to 31 December 2020. 1.3 3.3 3.8 1.1 2.9 3.1 13.9
Slide 13: Asset quality
RAKBANK Investor Presentation – Q4 / 12M 2021 13 Asset quality Non Performing Loans [AED Mn] Cost of Risk Impaired Loans (NPA) to Gross Loans Advances Impaired Loans (NPA) 5.2% 4.2% 5.0% 4.0% 4.0% 4.1% 4.8% 4.1% 3.7% 1,668 1,334 1,478 1,446 1,416 3.2% Dec ’17 Dec ’18 Dec ’19 Dec ’20 Dec ’21 Dec ’17
Slide 14: Capitalization
RAKBANK Investor Presentation – Q4 / 12M 2021 14 Capitalization Breakdown of Equity [AED Bn] Capital Adequacy Ratio CAR CET1 Retained Earnings Reserves Share Capital +6.8% 20.7 8.4 7.9 7.8 7.8 7.1 1.7 18.6 1.7 1.7 1.7 1.7 17.2 16.8 17.0 4.1 4.1 4.1 4.1 17.5 4.0 16.0 15.7 15.9 2.1 2.0 2.1 2.6 1.5 Dec
Slide 15: Additional information
Additional information RAKBANK Investor Presentation – Q4 / 12M 2021 15
Slide 16: Senior leadership
RAKBANK Investor Presentation – Q4 / 12M 2021 16 Senior leadership Board of directors Executive management H.E. Mohamed Omran Alshamsi Chairman Raheel Ahmed Dhiraj Kunwar H.H. Shaikha Amneh Alqasimi Vice Chairman Chief Executive Officer MD, Business Banking nd (Effective 2 Feb, 22) H.E. Sheikh Salem
Slide 17: Recognition
RAKBANK Investor Presentation – Q4 / 12M 2021 17 Recognition Best Retail Payment Best Self-Service Banking Outstanding Digital Best Sustainable Work Best Trade Finance Best AI Technology Implementation in the Implementation in Middle Transformation in Practices Excellence Bank Implementation for the
Slide 18: Disclaimer
RAKBANK Investor Presentation – Q4 / 12M 2021 18 Disclaimer The information in this presentation has been prepared by The National Bank including statements regarding our intent, belief or current expectations with of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates respect
Slide 19: Contact Useful information
Contact Useful information Imad A.I. Khalil Download copies of: Phone: +971 4 291 3263 • Financial Statements Email: ir@rakbank.ae • Earnings Release • Management Discussion & Analysis RAKBANK Investor Presentation – Q4 / 12M 2021 19
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