Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — Q3 2022 Earnings Presentation
27 slides from Alrayan Bank's earnings presentation, Oct 27, 2022
Slide 1: Investor Presentation Financial Results - Q3 2022
Investor Presentation Financial Results- Q3 2022 October, 2022
Slide 2: Content
Content Introduction to Masraf Al Rayan Post merger integration update Financial Highlights and Performance Operating Segments Financial Statements 2
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 2 branches 17 Profile • Classified as a DSIB (Domestic Systemically Important Bank) branches 107 ATMs • Legal merger completed on December
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Total Shareholders 187 k (of which 136 k or 20.70% non-resident) Long-term and short-term foreign currency and local currency issuer ratings: A1/Prime-1 Govt. /GRE Shareholding* 34% (see major sharehol
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 Board Membe
Slide 7: Management team
Introduction to Masraf Al Rayan Management team 7
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by consistently high asset quality, earnings growth and strong capitalization Robust capitalization (CAR 20.25%) well above the regulatory threshold of 13.50% for a DSIB Financing exposure to Government an
Slide 9: A strong and stable bank
Introduction to Masraf Al Rayan A strong and stable bank Total Assets Net operating Income Financing activities Net profit Total assets QAR 164 b, an Net operating profit 3,349 m , increase of 32 % increase 24 % Increased 34 % Shareholders’ Net profit compared to Q3 2021 compared to Q3 2021 compared
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
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, Home Real estate and Project MM placements: finance, finance Direct finance: Murabaha, Asset Management: Murabaha,
Slide 12: Key Recognitions in 2021, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2021, 2022 12
Slide 13: Post merger integration update
Post merger integration update
Slide 14: Merger with AKCB – Integration update
Introduction to Masraf Al Rayan Merger with AKCB – Integration update Merger & Integration Timelines •Legal merger • Announced completed potential Branches, Customer Day 1 June Merger Deal •Board and Q1 ATMs and May-19, 2020 merger Jan. 2021 signed Dec-1, 2021 Senior (Re-Platforming discussions 2022
Slide 15: Financial Highlights and Performance
Financial Highlights and Performance
Slide 16: Q3 2022 - Summary
Financial Highlights and Performance Q3 2022 - Summary Balance Sheet Income statement Financial Ratios • Total assets reached QAR 164,102 • Net profit totalled QAR 1,360 million for • Net profit margin of 2.37%; million compared to QAR 174,034 the period ended 30 Sep 2022 million on 31 December 2021
Slide 17: Income Statement
Financial Highlights and Performance Income Statement Income statement (QAR million) Q3 2022 Q3 2021 YoY Total income 5,136 3,742 37% • Net profit attributable to the Equity holders of the bank totalled QAR 1,360 million for the Net operating profit 3,349 2,708 24% period ended 30 September 2022. Op
Slide 18: Balance Sheet
Financial Highlights and Performance Balance Sheet Balance Sheet (QAR billion) Q3 2022 Q4 2021 YoY • Financing Assets QAR 117 b: of which 45 % exposure to Govt. & GRE’s; Total Assets 164 174 -6% Financing assets 117 121 -3% • Investment securities QAR 32 b: of which 93% exposure is Sovereign Debt; I
Slide 19: Funding & Liquidity
Financial Highlights and Performance Funding & Liquidity Funding Mix – QAR m Deposit Mix – QAR m 120,000 149,368 106,956 139,729 5,850 7,239 93,307 100,000 13,315 6,414 9,193 8,089 23,247 12,005 80,000 9,334 28,003 60,000 90,524 40,000 75,884 106,956 93,307 20,000 - Q4 2021 Q3 2022 Q4 2021 Q3 2022 C
Slide 20: Capital Adequacy
Financial Highlights and Performance Capital Adequacy Equity Breakup Capitalisation % 24,666 24,374 1,200 1,175 2,082 1,861 12,037 12,084 9,300 9,300 Q4 2021 Q3 2022 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights 174,034 • Strong capita
Slide 21: Operating Segments
— \F QGuit| pan MASRAF AL RAYAN Operating Segments
Slide 22: Operating Segments
Operating Segments 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. Divers
Slide 23: Operating Segments
Operating Segments 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 Represents contribution fr
Slide 24: Financial Statements
— \F QGuit| pan MASRAF AL RAYAN Financial Statements
Slide 25: Published Balance Sheet
Financial Statements Published Balance Sheet QAR mn Q3 2022 Q4 2021 Variance% Cash and Balances with central banks 5,289 5,221 1% Due from Banks 3,051 9,156 -67% Financing Assets 116,630 120,807 -3% Investment Securities 31,985 32,775 -2% Investment in Associates 345 349 -1% Fixed assets 767 715 7%
Slide 26: Published Income statement
Financial Statements Published Income statement QAR mn Q3'22 Q3'21 Q3'22 vs Q3'21 Net income from financing activities 3,686 2,726 35% Net income from investing activities 897 638 41% Total Net Income from Financing and Investing Activities 4,584 3,364 36% Fee and commission income 342 247 39% Fee a
Slide 27: Thank you
THANK YOU 27