Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — H1 2024 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, July 2024
Slide 1: Investor Presentation Financial Results - H1 2024
Investor Presentation Financial Results- H1 2024 July 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) 115 • 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: 80.19% local currency issuer ratings: A2/Prime-1 Govt. /GRE: 34.07% (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 23.73%) 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 108 billion QAR 162 billion 1,828 million QAR 789 million Investment Efficiency Sovereign debt expo
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: 2022-2024
Introduction to Masraf Al Rayan Key R ecognitions : 2022- 2024
Slide 13: Financial Highlights and Performance
Financial Highlights and Performance
Slide 14: H1 2024 Summary
Financial Highlights and Performance H1 2024 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 162,145 million • Net profit totalled QAR 789 million • Net Profit margin of 1.95 % compared to QAR 164,200 million on 31 in H1 2024, compared to QAR 765 December 2023 million for
Slide 15: Income statement H1 2024
Financial Highlights and Performance Income statement H1 2024 Income statement (QAR million) H1 2024 H1 2023 YoY • Net profit attributable to the Equity Total income, net of finance expenses 4,312 3,510 22.8% holders of the bank totalled QAR 789 Operating expenses 478 434 -10.2% million in H1 2024 a
Slide 16: Balance Sheet H1 2024
Financial Highlights and Performance Balance Sheet H1 2024 Balance Sheet (QAR billion) H1 2024 H1 2023 YoY • Financing Assets QAR 108 Bn of which 48.5% Total Assets 162 160 1.0% is exposure to Govt. & GRE’s Financing assets 108 112 -3.0% Investments securities 38 34 12.0% • Investment securities QAR
Slide 17: Funding & Liquidity H1 2024
Financial Highlights and Performance Funding & Liquidity H1 2024 Funding Mix – QAR Mn Deposit Mix – QAR Mn 131,319 133,130 120,000 108,935 12,643 10,526 7,140 13,670 100,000 88,864 8,766 29,812 8,076 80,000 8,790 60,000 108,935 93,028 88,864 40,000 71,998 20,000 - H1 2023 H1 2024 H1 2023 H1 2024 Cus
Slide 18: Capital Adequacy H1 2024
Financial Highlights and Performance Capital Adequacy H1 2024 Equity Breakup Capitalisation % 24,168 24,659 1,219 1,248 1,551 1,765 12,345 12,098 9,300 9,300 H1 2023 H1 2024 Share capital Reserves Retained Earnings Non-controlling interests and AT1 AT1 Risk Weighted Assets Key Highlights • Strong ca
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments H1 2024
Operating Segments H1 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 H1 2024
Operating Segments H1 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 H1-2024
Financial Statements Balance Sheet H1-2024 QAR mn H1 2024 Q4 2023 H1 2023 Cash and Balances with central banks 5,712 4,993 4,976 Due from Banks 3,164 5,663 2,554 Financing Assets 108,409 108,228 111,812 Investment Securities 38,436 38,599 34,328 Investment in Associates 328 349 322 Fixed assets 980
Slide 24: Income statement H1-2024
Financial Statements Income statement H1-2024 QAR mn H1 2024 H1 2023 Net income from financing activities 3,666 3,492 Net income from investing activities 1,015 746 Finance expense (724) (1,053) Total Net Income from Financing and Investing Activities, net of finance expense 3,957 3,185 Fee and comm
Slide 25: Thank You
7 Ji | apa MASRAF AL RAYAN THANK YOU