Ahli Bank Q.p.s.c. · QSE:ABQK
Ahli Bank Q.p.s.c — Q3 2015 Earnings Presentation
18 slides from Ahli Bank Q.p.s.c's earnings presentation, 2015
Slide 1: Investor Presentation Q3 2015
Investor Presentation Q3 2015 ahlibank.com.qa
Slide 2: Overview
Overview ABQ Founded in 1983 Shareholding Structure Listed on the Qatar Exchange with a market cap of c.QAR 9 billion Qatar Foundation 29.41% Strategic Partner of the Qatar Foundation Qatar Holding Co (QIA) 17.65% 47% owned by Qatar Holding and Qatar Foundation Others 52.94% Strong market
Slide 3: ABQ has been at the heart of the community for over 30 years
ABQ has been at the heart of the community for over 30 years 1983 - Incorporated as part of CITI Group 1987 - ABQ starts operating as an standalone entity 2004 - Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year Management Agreement 2008 - QIA announces 20% equi
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: Shareholding Structure
Shareholding Structure Percentages Aligned shareholders 53% of shareholders are Qatari firms and individuals Public entities own the remaining 47% of the shares – The Qatar Foundation became ABQ’s strategic partners in 2013 with the acquisition of a 29% stake of the bank’s capital from AUB – Qat
Slide 6: Business Lines
Business Lines Corporate Retail Treasury and Investments Private Banking Ahli Brokerage International Banking 6
Slide 7: Business Line Contribution
Business Line Contribution Total Assets – September 2015 Total Liabilities – September 2015 Treasury, Treasury, Investments & Investments & Brokerage Brokerage 26.0% 26.5% Corporate 44.9% Corporate Retail 54.5% 13.6% Retail 19.4% Private & International Private & 5.8% International 9.2% Net Profit –
Slide 8: Consistent Performer
Consistent Performer QR million QR million CAGR 600 800 9% 753 CAGR 506 692 10% 700 628 500 458 414 600 533 367 508 400 349 500 300 400 300 200 200 100 100 - - 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Net Profit Operating Income * For 9 months ending September 8
Slide 9: Non-interest Income
Non-interest Income QR million QR million 200 183 120 CAGR 113 180 CAGR 11% 106 17% 160 100 94 142 140 126 75 78 116 80 120 98 100 60 80 40 60 40 20 20 - - 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Net Fee & Commissions Non Interest Income * For 9 months ending September 9
Slide 10: Managing Efficiency
Managing Efficiency 50% Cost to income (%) 2013 2014 YTD Sep 2015 Cost Income ratio 45% Rayan 18.85 20.75 22.10 40% QNB 20.75 21.77 22.27 35% 31% 32% 30% 31% 30% 29% 28% QIIB 22.45 21.51 23.70 30% 27% 25% 25% ABQ 32.30 30.00 28.24 20% QIB 33.71 32.35 31.13 15% Khaliji 40.62 42.00 35.38 10% DB 36.10
Slide 11: Steady Balance Sheet Growth
Steady Balance Sheet Growth QR million Assets Loans & Advances CAGR QR million 17% 35,000 25,000 CAGR 31,380 32,198 17% 22,427 21,308 30,000 26,177 20,000 17,312 25,000 20,606 14,014 17,923 15,000 20,000 12,344 15,000 10,000 10,000 5,000 5,000 - - 2011 2012 2013 2014 Sep-15 2011 2012 2013 2014 Sep-1
Slide 12: Asset Quality
Asset Quality 25,000 20,000 15,000 QR million 98.84% 98.80% 10,000 98.58% 96.82% 97.05% 97.07% 5,000 2.93% 2.95% 3.18% 1.42% 1.20% 1.16% - 2010 2011 2012 2013 2014 Sep 2015 Total Loans (Gross) 11,654 12,521 14,410 17,628 21,663 22,796 Standard Loans 11,312 12,152 13,953 17,376 21,403 22,532 Sub-stan
Slide 13: Loan Provision Coverage
Loan Provision Coverage 160.0% 136.9% 139.8% 140.0% 125.3% 120.0% 99.4% 100.0% 89.5% 93.3% 90.9% 92.4% 92.2% 89.0% 89.0% 86.7% 80.0% 60.0% 40.0% 20.0% 0.0% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Sep 2015 QR million 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Sep 2015 NPL 4
Slide 14: Capital Adequacy Ratio
Capital Adequacy Ratio Tier I Tier II CAR (%) 4,500 25.0 22.1 18.1 4,000 20.8 19.2 20.0 3,500 3,000 15.2 14.9 16.0 15.0 QR million 2,500 12.9 12.0 % 2,000 10.0 1,500 1,000 5.0 500 0 0.0 2007 2008 2009 2010 2011 2012 2013 2014 Sep 2015 Tier II 424 317 311 332 335 350 351 121 122 Tier I 1,065 1,128 1,
Slide 15: Diversified Funding Mix
Diversified Funding Mix Debut Syndicated Bank Facilities (September 2014) Lengthening Maturity Profile 3-year US$ 200m Syndicated Term Loan Facility for general 5-year QAR 750m and 3-year US$ 125m Term Loan Facilities were corporate funding purposes concluded in October 2014 and June 2015 respec
Slide 16: Market Positioning
Market Positioning Cost to income (%) 2013 2014 YTD Sep 2015 Return on Equity (%) 2013 2014 YTD Sep 2015 Rayan 18.85 20.75 22.10 QNB 19.51 19.50 20.61 QNB 20.75 21.77 22.27 Rayan 17.69 18.94 18.20 QIIB 22.45 21.51 23.70 QIIB 15.04 15.80 16.75 ABQ 32.30 30.00 28.24 ABQ 15.88 15.49 15.98 QIB 33.71 32.
Slide 17: Banking Partners’ Footprint
Banking Partners’ Footprint Who do we principally work with? GCC Countries Banks UAE KSA Bahrain Oman Kuwait 17
Slide 18: 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