The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — H1 2017 Earnings Presentation
13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2017
Slide 1: RAKBANK Investor Relations Presentation H1 / 6M 2017
RAKBANK Investor Relations Presentation H1 / 6M 2017
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Awards & Recognition The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major Advertising Campaign of the Year in the UAE transformation in 2001 as it rebranded into RAKBANK and shifted its focus from New Consumer Lending Product of the Year i
Slide 3: RAKBANK Profile: Subsidiaries, Ratings and Regulation
RAKBANK Profile Subsidiaries Ratings Subsidiary Ownership Country Purpose Rating Agency Last Update Deposits Outlook Support To develop insurance RAK Insurance 79.23% UAE products March 2017 Baa1 / P-2 Stable 2 RAK Islamic** 99.99%* UAE To sell Sharia- Finance Company compliant products RAKFUNDING T
Slide 4: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors H.E. Mohamed Omran Alshamsi Chairman 3.7% H.E. Sheikh Salem Al Qasimi Director Government of Ras Al 29.0% Khaimah Mr. Salem Ali Al Sharhan Director 52.8% GCC Nationals Mr. Ahmed Essa Al Naeem Director 14.6% UAE Nationals Mr.
Slide 5: Business Segments
Business Segments Personal Banking customers are serviced through a network of 38 branches, over 275 ATMs, as well as its Telephone and Digital Personal Banking Banking channels. Sales takes place across all channels and through mobile staff. This segment has a strong fee-based income from the sale
Slide 6: H1 / 6M 2017 Highlights
H1 / 6M 2017 Highlights Financial Snapshot Quarter Results Half Year Results (AED Mn) Q2’17 Q2’16 Q1’17 Q2’17 v/s Q2’16 Q2’17 v/s Q1’17 H1’17 H1’16 H1’17 v/s H1’16 Net Interest Income and net income 673 707 663 (4.9%) 1.4% 1,336 1,452 (8.0%) from Islamic financing Non-Interest Income 294 270 283 8.6
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 30.06.17) Assets and Gross Loans & Advances (AED Bn) 2.0% 0.4% 2.2% Cash and Balances with Gross Loans and Advances Total Assets UAE Central Bank 10.0% 50 44.0 9.8% 6.0% Due from other Banks 42.5 42.8 40.6 40 34.8 Loans and Advances, Net 31.6
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances - Personal Banking (AED Bn) Dec '15 Jun '16 Dec '16 Jun '17 Dec '15 Jun '16 Dec '16 Jun '17 18.1 18.0 17.7 18.0 4.4 4.4 4.1 4.2 3.7 3.5 3.2 3.1 3.4 3.5 3.5 3.5 3.0 3.2 2.9 2.6 2.6 2.7 2.6 2.5 8.4 7.8 7.8 7.5 5.8 1.5 4.5 1.1
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED Mn) Net Credit Loss Impaired Loans Impaired Loans to Gross Loans and Advances 6.2% 6.0% 1,400 4.4% 5.0% 5.5% 4.2% 4.0% 1,200 3.2% 4.0% 1,000 3.8% 800 2.4% 2.4% 3.0% 2.5% 1,249 1,333 1,267 600 2.0% 1.6% 914 400 540 619 1.0% 200 - 0.0% Dec '13 Dec '14 Dec '15 De
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Time Current Savings Call Islamic Customer deposits grew by AED1.2Bn to AED30.6Bn compared to 31 30 3.1 December 2016. Customer deposits grew by AED2.6Bn compared to 30 2.7 3.0 3.5 1.2 1.0 1.2 June 2016. 25 1.3 3.4 3.3 3.2 The deposits from the Person
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Capital Adequacy Ratio (CAR) Share Capital Reserves Retained Earnings 29.0% 26.5% 8 24.4% 2.1 1.9 2.0 22.3% 22.2% 1.8 1.8 21.1% 6 1.5 4 3.4 3.7 3.9 4.0 4.0 4.0 2 1.7 1.7 1.7 1.7 1.7 1.7 0 Dec '13 Dec '14 Dec '15 Dec '16 Mar '17 Jun '17 Dec '13 Dec '14 Dec '15
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit 43.8% 3.94 42.3% 3.84 3.56 3.20 37.5% 37.1% 37.4% 35.6% 1.43 1.45 1.41 0.95 0.97 0.66 0.15 0.23 Dec '13 Dec '14 Dec '15 Dec '16 Q1 '17 Q2 '17 Dec '13 Dec '14 Dec '15 Dec '16 Mar '17 Jun '17 Annualized Returns Net Inter
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
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