The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Rakbank — Q3 2016 Earnings Presentation
13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2016
Slide 1: RAKBANK Investor Relations Presentation 3Q / 9M 2016
RAKBANK Investor Relations Presentation 3Q / 9M 2016
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Ownership The National Bank of Ras Al Khaimah was founded in 1976. It underwent a RAKBANK is listed on the Abu Dhabi Securities Exchange (ADX) and major transformation in 2001 as it rebranded into RAKBANK and shifted its 52.78% of the Bank’s shares are owned directl
Slide 3: RAKBANK Profile: Subsidiaries, Ratings, Regulatory Framework
RAKBANK Profile Subsidiaries Ratings Subsidiary Ownership Country Purpose Rating Agency Last Update Deposits Outlook Support To develop insurance RAK Insurance 79.23% UAE products October Baa1 / P-2 Stable 2 RAK Islamic To sell Sharia- 2016 Finance Company 99.99%* UAE compliant products RAKFUNDING 9
Slide 4: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors H.E. Mohamed Omran Alshamsi Chairman 3.9% Government of Ras Al H.E. Sheikh Salem Al Qasimi Director Khaimah 29.4% 52.8% GCC Nationals Mr. Salem Ali Al Sharhan Director 14.0% Mr. Ahmed Essa Al Naeem Director UAE Nationals Mr.
Slide 5: Business Segments
Business Segments Personal Banking customers are serviced through a network of 35 branches, over 280 ATMs, as well as Online, Phone, and Mobile Personal Banking Banking solutions. Sales takes place across all channels and through 2000+ mobile staff. This segment has a strong fee-based income from th
Slide 6: 3Q / 9M 2016 Highlights
3Q / 9M 2016 Highlights Financial Snapshot Key Ratios (AED Mn) 9M ’16 9M ’15 Variance% Ratios 9M ’16 9M ’15 Y-o-Y 2,138 2,278 (6%) Return On Equity (annualized) 9.8% 20.3% (10.5%) Net Interest Income Net Interest Margin 7.0% 8.1% (1.1%) Non-Interest Income 779 663 17% Cost-to-Income 34.8% 39.1% 4.3%
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 30.09.16) Assets and Gross Loans & Advances (AED Bn) 0.4% Cash and Balances with 2.2% 2.1% Gross Loans and Advances Total Assets UAE Central Bank 11.9% Due from other Banks 50 10.6% 4.3% 40.6 39.0 40.8 Loans and Advances, 40 34.8 Net 30.1 28.
Slide 8: Loans Mix
Loans Mix Total Loans & Advances by Segment (AED Bn) Total Loans & Advances - Personal Banking (AED Bn) 30.09.2015 31.12.2015 30.09.2016 30.09.2015 31.12.2015 30.09.2016 4.28 18.36 18.13 17.77 3.95 4.13 4.10 3.75 3.35 3.21 3.52 3.38 3.16 3.27 2.67 2.61 2.61 2.79 7.98 7.98 7.13 1.13 1.23 4.11 1.13 2.
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% 1400 5.0% 6.0% 4.1% 1200 3.2% 4.0% 3.8% 1000 2.9% 4.0% 3.4% 800 2.4% 2.4% 3.0% 2.5% 600 1,187.6 2.0% 1.6% 400 914.4 847.6 2.0% 539.8 618.8 1.0% 200 0 0.0% 0.0% 2013 2014 2015
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Time Current Savings Call Islamic Customer deposits grew by AED545 million to AED28.4 billion compared 30 to December 31, 2015. The growth came mainly from an increase of 3.5 3.0 25 3.1 1.3 AED534 million in demand deposits. 2.6 1.3 1.3 The deposits f
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Capital Adequacy Ratio (CAR) Share Capital Reserves Retained Earnings 29.0% 30% 8 26.5% 24.4% 23.9% 2.1 1.8 25% 23.2% 6 1.8 2.0 1.5 20% 4 3.4 3.7 3.9 3.7 4.0 2 15% 1.7 1.7 1.7 1.7 1.7 0 10% 2013 2014 2015 9M '15 9M '16 2013 2014 2015 9M '15 9M '16 Risk Weight
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit 50% 5.00 43.8% 3.94 45% 42.3% 4.00 3.56 3.20 2.94 2.92 39.1% 3.00 40% 37.5% 2.00 1.43 1.45 1.41 34.8% 1.09 35% 1.00 0.55 0.00 30% 2013 2014 2015 9M '15 9M '16 2013 2014 2015 9M '15 9M '16 Annualized Returns Net Interes
Slide 13: 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