The National Bank Of Ras Al Khaimah · ADX:RAKBANK

The National Bank Of Ras Al Khaimah — Q1 2015 Earnings Presentation

16 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2015

  1. Slide 1: RAKBANK Investor Relations Presentation Q1 2015

    RAKBANK Investor Relations Presentation Q1 2015

  2. Slide 2: RAKBANK Profile

    RAKBANK Profile Establishment Ownership Segments Strategy The National Bank of Ras Al RAKBANK is listed on the Abu Dhabi The Bank operates via 3 main Historically, the strategy focus has Khaimah was founded in 1976. It Securities Exchange (ADX) and business divisions: Retail Banking, been on the Ret

  3. Slide 3: Shareholders, Directors, & Management

    Shareholders, Directors, & Management Ownership Structure Board of Directors H.E. Mohammad Omran Alshamsi Chairman Foreign H.E. Sheikh Salim bin Sultan Al Qasimi Director Ownership Mr. Ahmed Essa Al Naeem Director 19.4% Government Mr. Yousuf Obaid Essa Al Nuaimi Director of RAK UAE citizens Mr. Hama

  4. Slide 4: Q1 2015 Highlights

    Q1 2015 Highlights Financial Snapshot Bank News Income Statements (AED millions) Q1 2015 Q1 2014 Growth %  Re-elected 5 existing Board members and elected 3 new members for 2015 – 2017 (including a new chairman) during the Bank’s ordinary Net Interest Income 733.5 639.2 14.8% annual general meeting

  5. Slide 5: Business Segments

    Business Segments Customer Count by Nationality Retail Banking  Retail Banking customers are serviced through a network of 35 branches, over 200 ATMs, as well as Online, Phone, and Mobile Banking solutions.  Sales takes place across all channels over and above the Bank’s mobile sales force of over

  6. Slide 6: Balance Sheet Overview

    Balance Sheet Overview Breakdown of Assets by Type (as at 31.03.15) Assets and Gross Loans & Advances (AED billions) Cash and Balances with UAE Central Bank Due from other Banks Total Assets Gross Loans and Advances Loans and Advances Investment Securities Property and Equipment Other Assets 50 2.2%

  7. Slide 7: Asset Breakdown

    Asset Breakdown Breakdown of Loans and Advances, by Value (31.03.2015) Loans by Geography, by Value (31.03.2015) Expat Personal Loans National Loans Auto Loans Abu Dhabi Dubai Sharjah Ajman Ras Al Khaimah Mortgage Loans Credit Cards RAKFinance Others SME Loans Commercial Loans 5% 5% 4% 4% 9% 6% 14%

  8. Slide 8: Asset Quality

    Asset Quality Non-Performing Loans (AED millions) Impaired Loans to Gross Loans & Advances 800 709.4 4% 618.7 600 539.8 562.8 2.7% 516.5 3% 2.5% 2.4% 2.4% 2.4% 400 2% 200 1% 2012 2013 2014 Q1 2014 Q1 2015 2012 2013 2014 Q1 2014 Q1 2015 Coverage Ratio Notes  Over and above the loan loss provisions,

  9. Slide 9: Liabilities

    Liabilities Customer Deposits (AED billions) Liabilities Mix (31.03.2015) Time Current Savings Call Islamic Customer Deposits Equity 29.8 30 24.7 Debt security issued (EMTN) Other Liabilities 23.1 23.5 2.9 25 20.6 Due to other Banks 2.6 5.0 1% 1% 2.0 2.3 20 0.9 1.0 1.3 0.9 3.8 2.7 3.4 3.7 3.8 7% 15

  10. Slide 10: Capitalization

    Capitalization Equity Breakdown (AED billions) Capital Adequacy Share Capital Reserves Retained Earnings 8 7.1 7.5 35% 6.5 29.0% 6.0 28.8% 27.6% 5.7 1.8 2.1 30% 26.5% 6 1.5 24.2% 1.2 0.9 25% 4 3.3 3.6 3.4 3.7 20% 3.0 2 15% 1.5 1.7 1.7 1.7 1.7 0 10% 2012 2013 2014 Q1 2014 Q1 2015 2012 2013 2014 Q1 20

  11. Slide 11: Profitability

    Profitability Profitability (AED millions) Cost-to-Income Ratio Total Operating Income Net Profit 50% 4,000 3,555.2 44.3% 43.8% 43.6% 3,150.3 45% 42.3% 2,893.2 40.4% 3,000 40% 2,000 1,402.8 1,430.8 1,454.6 824.7 932.3 35% 1,000 334.6 362.2 30% 0 2012 2013 2014 Q1 2014 Q1 2015 2012 2013 2014 Q1 2014

  12. Slide 12: Income Statement & Key Ratios

    Income Statement & Key Ratios Income Statement for the quarter ended 31 March 2015 (AED millions) Q1 2015 Q1 2014 Y-o-Y Growth % Growth Net Interest Income 733.5 639.2 94.3 14.8% Fee and Commission Income 166.6 149.5 17.1 11.4% Investment Income 0.3 2.3 (2.0) (88.2)% Forex Income 22.0 20.2 1.8 8.9%

  13. Slide 13: Key Ratios Comparisons (FY2014)

    Key Ratios Comparisons (FY2014) Capital Adequacy Ratio Net Interest Margin Non Performing Loans 8.3% 9.2% 26.5% 7.8% 21.0% 21.1% 16.4% 17.5% 18.1% 16.6% 2.9% 3.2% 3.5% 3.1% 3.7% 2.7% 3.1% 3.1% 2.0% 2.5% 2.4% Return on Equity Return on Assets Provision Coverage Ratio 22.2% 4.4% 137% 127% 120% 17.2% 1

  14. Slide 14: USD 500 million Fixed Rate Note

    USD 500 million Fixed Rate Note Transaction Summary Investors by Geography Investors by Type Issuer RAKFUNDING CAYMAN LTD MENA Europe Asia Banks Fund Managers Guarantor The National Bank of Ras Al Khaimah Private Banks Insurance Guarantor Rating Baa1 (Moody's) / BBB+ (Fitch) Status Senior Unsecured

  15. Slide 15: USD 300 million Tap

    USD 300 million Tap Transaction Summary Investors by Geography Investors by Type MENA Europe Asia Banks Funds Insurance Private Banks Issuer RAKFUNDING CAYMAN LTD Guarantor The National Bank of Ras Al Khaimah (P.S.C) Guarantor Rating Baa1 (Moody's) / BBB+ (Fitch) Format Regulation S only 17% 7% 6% S

  16. Slide 16: Disclaimer

    Disclaimer The material in this presentation has been prepared by the National Bank of Ras Al Khaimah (P.S.C), 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 presentation. This information is g

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