The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Rakbank — Q1 2018 Earnings Presentation
13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2018
Slide 1: RAKBANK Investor Relations Presentation 1Q / 3M 2018
RAKBANK Investor Relations Presentation 1Q / 3M 2018
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Subsidiaries The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major Subsidiary Ownership Country Purpose transformation in 2001 as it rebranded into RAKBANK and shifted its focus from Corporate Banking to Retail Banking (re-branded to Personal B
Slide 3: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors 4.3% H.E. Mohamed Omran Alshamsi Chairman 13.7% Government of Ras Al H.E. Sheikh Salem Al Qasimi Director Khaimah UAE Nationals Mr. Salem Ali Al Sharhan Director Mr. Ahmed Essa Al Naeem Director GCC Nationals 52.8% Mr. Ahmed
Slide 4: Business Verticals
Business Verticals Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non-individual • Incorporating financing and • Incorporating money market • Incorporating all insurance customer financing, credit and financing and deposit services d
Slide 5: Awards and Recognition
Awards and Recognition Best SME Customer Best Omnichannel Best Technological Best Deposit Product in Best Customer Loyalty Best Smart Service Service Award Experience Innovation in the Middle East program for Transformation Payments - B2C RAKRewards Initiative for Digital Banking platform Banker Mid
Slide 6: Q1 / 3M 2018 Highlights
Q1 / 3M 2018 Highlights Financial Snapshot Quarterly Results Variance Q1 ’18 v/s Q4 Q1 ’18 v/s Q1 (AED Mn) Q1 ’18 Q4 ’17 Q1 ’17 ’17 ’17 Net Interest Income and net income from Islamic financing 670.9 687.8 663.3 (2.5%) 1.1% Non-Interest Income 243.9 248.8 283.3 (2.0%) (13.9%) Total Income 914.8 936.
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 31.03.18) Assets and Gross Loans & Advances (AED Bn) 0.3% 2.6% Cash and Balances with Gross Loans and Advances Total Assets UAE Central Bank +14.6% 1.8% 8.7% 13.9% Due from other Banks +10.3% 8.2% 48.5 49.1 Loans and Advances, Net 42.5 42.9 4
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances – Personal Banking (AED Bn) Dec ’15 Dec ’16 Dec ’17 Mar ’18 Dec ’15 Dec ’16 Dec ’17 Mar ’18 18.8 18.8 4.6 4.6 18.1 17.7 4.4 4.1 3.8 3.7 3.6 3.4 3.5 3.2 3.4 3.5 3.2 2.9 2.8 2.6 2.7 2.6 2.3 2.2 8.4 7.5 7.9 8.1 1.9 1.9 6.5 6.6
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED Mn) Net Credit Cost Impaired Loans to Gross Loans and Advances Impaired Loans 4.1% 6.2% 4.0% 4.4% 6.1% 4.2% 5.0% 3.2% 4.4% 3.8% 2.4% 1,334 1,332 1,385 2.5% 1,249 914 619 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Mar ’17 Mar ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Mar ’17 Ma
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Islamic Call Savings Current Time Customer deposits grew by AED1.2Bn to AED33.3Bn compared to 31 +11.9% December 2017. 3.5 The deposits from the Personal, Business, Wholesale Banking and 3.2 1.6 Treasury segments amount to 34.7%, 37.2%, and 28.1% of t
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Total Capital Adequacy Ratio (CAR) Retained Earnings Reserves Share Capital -16.5% 26.5% 24.4% 22.3% 22.2% 2.1 1.9 2.1 2.0 20.7% 1.8 0.8 18.6% 3.7 3.9 4.0 4.1 4.0 3.9 1.7 1.7 1.7 1.7 1.7 1.7 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Mar ’17 Mar ’18 Dec ’14 Dec ’15 Dec
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit 3.94 3.84 3.81 3.56 42.3% 37.5% 38.0% 37.1% 37.8% 35.6% +32.32% -3.40% 1.45 1.41 0.81 0.95 0.91 0.66 0.16 0.21 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Mar ’17 Mar ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Mar ’17 Mar ’18* Annualized
Slide 13: Disclaimer
Disclaimer The information in this presentation has been prepared by The National Bank of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates (“RAKBANK”) and is general background information about RAKBANK’s activities and is not intended to be current as on the date of the pre