Al Rajhi Bank · TADAWUL:1120
Al Rajhi Bank — Q4 2016 Earnings Presentation
14 slides from Al Rajhi Bank's earnings presentation, Aug 22, 2017
Slide 1: Investor Relations Presentation Q4 2016
Investor Relations Presentation Q4 2016
Slide 2: Table of Content
Table of Content 1 KSA Fact Sheet 3 2 KSA's standing in GCC 4 3 Al Rajhi at a Glance 5 4 Presence & Business Segments 6 5 Sustainable Growth in Our Financial Position 7 6 Financial Performance 8 7 High LLP Coverage & Low NPL Ratio 9 8 Al Rajhi Bank Strengths 10 9 Al Rajhi Bank Rating 11 10 Balance S
Slide 3: KSA Fact Sheet
KSA Fact Sheet Saudi Arabia holds 50% of the population of one-fitth of the world’s 30.9 million is under proven oil reserves the age of 25, with a young It is the world’s largest producer population entering the workforce and exporter of petroleum for the first time The Kingdom is a The monetary poli
Slide 4: KSA's Standing in the GCC
KSA‘s Standing in the GCC Largest country in the GCC USD 750 billion 57% 45% 2.15 Largest economy in GCC of GCC oil production is of the GCC market million sq. km by KSA capitalization Population of 45% Largest Over 35,000 30.9 million of the GDP of GCC non-oil GDP hotel rooms under USD 1.25 billion
Slide 5: Al Rajhi at a Glance
Al Rajhi at a Glance • The Largest Islamic Bank in the world by Total Assets • Strong legacy dating back to 1957, gone public through an IPO in 1987 • Leading bank in Saudi Arabia in terms of customer base, networks, and number of transactions. The largest network in the #1 bank for The largest cust
Slide 6: Presence & Business Segments
Presence & Business Segments Kuwait Segments Contributions Jordan (7) (1) To The Operating Income* Corporate Treasury 13% 12% Investment 3% Retail Saudi Arabia Malaysia 72% * For the Period FY 2016 (Number of Branches) (554) (22) Retail Banking • Personal Finance Corporate • Transactional Banking Tr
Slide 7: Sustainable Growth in Our Financial Position
Sustainable Growth in Our Financial Position Assets Loans Deposits SAR Bn. SAR Bn. SAR Bn. 340 225 CAGR CAGR CAGR 6.2 % 316 6.9 % 210 5.4 % 273 258 308 206 256 280 187 232 267 172 221 2016 2016 2016 2015 2015 2015 2012 2013 2014 2012 2013 2014 2012 2013 2014 Sustainable growth in Balance sheet growt
Slide 8: The Financial Performance
The Financial Performance Income & Operating Costs Net Income SAR MM. SAR MM. Income Cost 8,126 7,885 7,438 27.0% 29.3% 33.1% 33.9% 32.4% 7,130 6,836 ١٣,٩٨3 ١٣,٨٤5 ١٣,٦٦7 ١٣,٧٤6 15,284 4,949 ٣,٧٧9 ٤,٠٥7 ٤,٥١9 ٤,٦٥8 2015 2016 2013 2014 2012 201٣ 201٤ 201٥ 2016 2012 One of the lowest cost to Income Ra
Slide 9: High LLP Coverage & Low NPL Ratio
High LLP Coverage & Low NPL Ratio 240% 2.1% 2.0o% 231% 230% 1.9% 220% 1.7% 1.57% 210% 1.51% 1.5% 200% 196% 1.3% 1.24% 190% 1.26% 177% 1.1% 170% 0.9% 150% 144% 130% 137% 0.7% 110% 0.5% 2012 2013 2014 2015 2016 2012 2013 2014 2015 2016 LLP Coverage % NPL % • Continuous improvement in bank’s assets qua
Slide 10: Al Rajhi Strengths
Al Rajhi Strengths Al Rajhi has the highest The highest Non-Commission Bearing Retail Assets in the market Deposits % of Total Deposits within the market 250 Al Rajhi 92% Retail Assets – SAR Bn. (177) 200 58% Riyad NCB 150 (39) (108) 100 SAMBA 50 (38) 0 0 100 200 300 400 500 600 Al Rajhi The rest of
Slide 11: Al Rajhi is rated by all major Rating Agencies
Al Rajhi is rated by all major Rating Agencies 2013 2014 2015 2016 Moody’s A1 A1 A1 A1 S&P A+ A+ A BBB+ Fitch A+ A+ A+ A- KSA Sovereign Aa3 Aa3 Aa3 A1 Moody's KSA Sovereign AA- AA- A+ A-u S&P • Al Rajhi Bank’s strong financial position and credit profile is endorsed by major Rating Agencies. • Moody
Slide 12: Balance Sheet Summary
Balance Sheet Summary SAR - Millions FY 2016 FY 2015 YoY Growth % Due From Banks & Other Financial Institutions 26,579 26,911 -1.2% Investments 34,033 39,877 -14.7% Financing, net 224,994 210,218 7.0% Total Assets 339,712 315,620 7.6% Due to Banks & Other Financial Institutions 8,917 4,558 95.6% Cus
Slide 13: Statement of Income Summary
Statement of Income Summary SAR - Millions Income Statement FY 2016 FY 2015 Variance % Net Yield Income 11,165 9,959 12.1% Fees from Banking Services 2,950 2,704 9.1% Exchange & Other Income 1,168 1,083 7.9% Total Operating Income 15,284 13,764 11.2% Total Operating Expenses 4,949 4,658 6.3% Income
Slide 14: Disclaimer
Disclaimer • AL RAJHI BANK HEREIN REFERRED TO AS ARB MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING THIS DOCUMENT OR THE MATERIALS AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH THIS DOCUMENT. THE MATERIAL AND INFOR- MATION CONTAINED O