Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Investor Presentation (2022)
22 slides from Ahli Bank Q.p.s.c's investor presentation, 2022
Slide 1: Investor Presentation FY 2021
Investor Presentation FY 2021 ahlibank.com.qa
Slide 2: Overview
Overview Overview Shareholding Structure Founded in 1983 and listed on the Qatar Stock Exchange, ABQ is the 5 th largest conventional bank in Qatar in terms of assets 47.71% QIA and its wholly Market cap of QAR 9.31 bln (as of 31 December 2021) owned subsidiaries Has a network of 14 branches a
Slide 3: ABQ Has Been at the Heart of the Community for Over 35 Years
ABQ Has Been at the Heart of the Community for Over 35 Years 1983 Incorporated as Al-Ahli Bank of Qatar part of CitiBank operations 1987 ABQ began to operate as a standalone entity 2004 Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year renewable management
Slide 4: "At the heart of the community" – Corporate Social Responsibility
“At the heart of the community” – Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar’s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers’ assets. We as
Slide 5: Business Lines
Business Lines Corporate SMEs Ahli Brokerage Corporate Retail Cash Management Premium Proprietary Investment Treasury and Retail Investments Private International Banking Financial Institutions 5
Slide 6: Executive Summary-2021
Executive Summary-2021 1) Steady Performance for the full year 2021 with net profit growth of 4.9% mainly driven by growth in operating profit (+8.9% YoY); 2) Additional Tier 1 Capital Issued; The Bank successfully completed the Issuance of USD300 Million in the international markets at a coupon of
Slide 7: Key Highlights
Key Highlights Growth 2021 vs Profit & Loss Dec 2021 Dec 2020 2020 Net Interest Income QAR 1,079 Mln QAR 973 Mln 10.9% Operating Profit QAR 1,010 Mln QAR 928 Mln 8.9% (be fore provisions) Net Profit QAR 713 Mln QAR 680 Mln 4.9% Growth 2021 vs Balance Sheet Dec 2021 Dec 2020 2020 Total Assets QAR 48,
Slide 8: P&L-YTD December 2021
P&L-YTD December 2021 Actuals YOY Budget YOY Variance Variance QAR '000 Dec-21 Dec-20 Fav/(Adv) Dec-21 Fav/(Adv) Interest income 1,720,171 1,756,386 -2% 1,769,944 -3% Interest expense 640,987 782,895 18% 742,551 14% Net interest income 1,079,184 973,491 11% 1,027,393 5% Fees and other income 230,055
Slide 9: Balance Sheet – 31 December 2021
Balance Sheet – 31 December 2021 QR 'Mln Dec-21 Dec-20 Variance Amount % Cash and Balances with central bank (includes Statutory reserve: QR 1.25 bln) 2,443 2,872 (429) -15% Loans and Advances 33,570 33,513 57 0% SOQ 526 1,870 (1,344) -72% Spe ci a l Loa ns @1.5% 2,231 1,462 769 53% Othe r Loa ns (i
Slide 10: Wholesale Banking Business
Overview of Key Business Lines Business Line 2021 Net Profit (% share) 2021 Assets (% share) 2021 Liabilities (% share) Focused on Qatar with primary target 57.0% customers being large corporates and quasi- government entities Corporate 33.6% Actively involved in the financing of major 25.8% inf
Slide 11: Steady Operating Income
Steady Operating Income QAR mln QAR mln 1,600 800 CAGR CAGR CAGR 13% 4.9% 713 1,400 7.7% 1,347 666 675 680 700 648 1,247 632 640 601 1,200 600 1,101 1,111 1,044 526 996 1,000 934 959 500 465 850 400 800 691 300 600 200 400 100 200 - - 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2012 2013 2014
Slide 12: Diversified Revenues
Diversified Revenues ABQ benefits from diversified revenues with non-interest income representing 20% of net operating income in 2021 Net Fee & Commissions Total Non-Interest Income QAR mln QAR mln As % NOI(1) 17% 16% 17% 18% 14% 13% 24% 20% 25% 26% 22% 20% 210 300 284 203 272 274 268 205 200 250 19
Slide 13: Total Assets – Trend
Total Assets – Trend QAR mln 60,000 CAGR 20% CAGR 4.8% 48,093 50,000 47,555 43,915 39,883 40,403 40,000 30,000 20,000 10,000 - 2017 2018 2019 2020 2021 13
Slide 14: Net Loans & Advances / Customer Deposits – Trend
Net Loans & Advances / Customer Deposits – Trend QAR mln 40000 Loans CAGR: 3.8% Deposits CAGR: 4.3% 33,513 33,570 31,591 30000 28,936 27,515 27,925 26,941 25,500 23,569 21,765 20000 10000 2017 2018 2019 2020 2021 Net Loans & Advances Customer Deposits 14
Slide 15: Proprietary Investments – Trend
Proprietary Investments – Trend QAR mln 10000 CAGR 9.0% 9000 8,613 8000 7,521 7,074 7000 6,100 5,917 6000 5000 4000 3000 2000 1000 201 7 201 8 201 9 202 0 202 1 15
Slide 16: Shareholder's Funds – Trend
Shareholder’s Funds – Trend QAR mln 8,000 CAGR 5.6% 7,500 7,000 6,593 6,500 6,275 5,959 6,000 5,501 5,500 5,294 5,000 4,500 4,000 3,500 3,000 2017 2018 2019 2020 2021 16
Slide 17: Asset Quality
Asset Quality NPL ratio of 3.74% and a coverage of 107% as at December 2021 Gross Loans and NPL Ratio(1) NPL Provision Coverage(2) Provisions (QAR Mln) Gross Loans (LHS) NPL Ratio (RHS) 40000 QAR Mln 4.50% 416 628 816 1,108 1,388 34,357 34,730 35000 32,135 4.00% 200% 27,929 30000 29,353 3.50% 3.74%
Slide 18: Capital Adequacy Ratio
Capital Adequacy Ratio 10,000 25% 9,000 20.6% 18.0% 17.7% 20% 16.9% 8,000 442 18.2% 7,000 15% 417 1,092 285 6,000 324 - 10% 355 - - 5,000 - 6,206 5,611 5,911 5% 4,000 5,290 4,845 3,000 2017 2018 2019 2020 2021 0% Tier II 355 324 285 417 442 AT-1 - - - - 1,092 Tier I 4,845 5,290 5,611 5,911 6,206 CAR
Slide 19: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) Maturity Profile 3-year US$ 200 mln Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 120 basis points over LIBOR With the new facilities, we have significantly improved our funding profil
Slide 20: Market Positioning
Market Positioning Cost to Income (%) Return on Assets (%) 2018 2019 2020 2021 2018 2019 2020 2021 QIB 26.63 23.80 20.87 18.87 QIB 1.68 1.82 1.70 1.83 QIIB 25.65 24.20 21.17 19.77 ABQ 1.73 1.66 1.50 1.49 Rayan 24.16 22.93 21.63 22.03 QIIB 1.70 1.62 1.40 1.46 QNB 27.26 27.69 25.72 23.65 Rayan 2.11 2.
Slide 21: Banking Partners' Footprint
Banking Partners’ Footprint Who do we principally work with? GCC Countries Banks UAE KSA Bahrain Oman Kuwait 21
Slide 22: Disclaimer
Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions c