Alrayan Bank · QSE:MARK

Alrayan Bank — Masraf Al Rayan — Q3 2021 Earnings Presentation

22 slides from Alrayan Bank's earnings presentation, Sep 30, 2021

  1. Slide 1: Investor Presentation

    Investor Presentation 30 September 2021

  2. Slide 2: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 5. Overview of Qatar 2

  3. Slide 3: Introduction to Masraf Al Rayan: Corporate Profile

    Introduction to Masraf Al Rayan Corporate Profile Overview of Masraf Al Rayan Q.P.S.C (MAR or the Bank) Branch Network  Fully Sharia compliant bank incorporated in Qatar on 4 January Profile 2006 and licensed by the Qatar Central Bank 3 branches  Classified as a DSIB (Domestic Systemically Importa

  4. Slide 4: Ownership Structure & Financial Highlights

    Introduction to Masraf Al Rayan Ownership Structure & Financial Highlights Shareholding Structure Credit Rating  Government, Government-related entities (GREs) and Qatari institutional investors hold approx. 47.02% of MAR’s shares  Long-term and short-term foreign currency and local currency issue

  5. Slide 5: Overview of Masraf Al Rayan Cont.: Board Composition

    1. Overview of Masraf Al Rayan Cont. Board Composition  The principal role of the Board is to oversee the implementation of the Bank's strategic initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory structures Chairman & Managing Director Boa

  6. Slide 6: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 5. Overview of Qatar 6

  7. Slide 7: Financial Highlights and Performance: Summary

    Financial Highlights and Performance Summary  Total assets reached QAR 124,765 million compared to QAR 116,548 million on 30 September 2020, an increase of 7.05% Balance Sheet  Financing activities increased to QAR 87,010 million compared to QAR 80,775 million on 30 September 2020, an increase of

  8. Slide 8: Financial Highlights & Performance: Balance Sheet

    Financial Highlights & Performance Balance Sheet  Financing assets have continued to grow in 2021. Investment securities continue to have high tilt towards high quality Government debt. 8.1 Assets 8.2 Asset Mix – Q3 2021 5-yr CAGR: 0.4% 5.9% 7.5% 6.2% 140,000 121,115 124,765 120,000 106,397 17.8% 1

  9. Slide 9: Financial Highlights & Performance: Profitability

    Financial Highlights & Performance Profitability  Stable profitability with consistent strong cost efficiency and high return on assets and shareholders’ equity 9.1 Profitability 9.2 Income Composition 6,000 4,874 5,221 3,229 5,047 162 158 2,788 2,892 5,000 152 30 2,708 30 388 22 11.7%11.7% 315 261

  10. Slide 10: Financial Highlights & Performance: Asset Quality

    Financial Highlights & Performance Asset Quality  Masraf Al Rayan’s non-performing financing ratio is at 1.46% reflecting robust asset quality, prudent risk management policies and a conservative lending strategy. 10.1 Non-Performing Financing Assets (Stage 3) 10.2 Non-Performing Financing Coverage

  11. Slide 11: Financial Highlights & Performance: IFRS Impact

    Financial Highlights & Performance IFRS 9 Impact  As per QCB requirements, MAR has adopted ECL regulations from 1 January 2018. 11.1 ECL on all exposures - by Stages 11.2 All exposures subject to ECL - by Stages 1,400 1,311 1,200 136,766 1,065 160,000 116,257 127,724 1,000 140,000 1,365 1,043 817 8

  12. Slide 12: Financial Highlights & Performance: Capital Adequacy

    Financial Highlights & Performance Capital Adequacy  Masraf Al Rayan is well capitalized with CAR exceeding the regulatory threshold indicating ample room for growth 12.1 Total Equity Breakdown 12.2 Overview of the Bank’s Capitalisation Levels 14,593 15,030 14,132 13,473 197 213 227 196 2,207 2,661

  13. Slide 13: Financial Highlights & Performance: Funding & Liquidity

    Financial Highlights & Performance Funding & Liquidity  Masraf Al Rayan primarily relies on customer deposits and is seeking to diversify its funding mix as part of its strategic objective 13.1 Funding Mix 13.2 Deposit Mix 106,523 109,735 90,000 78,162 2,571 80,000 92,265 2,332 68,918 83,820 6,910

  14. Slide 14: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 5. Overview of Qatar 14

  15. Slide 15: Business Overview & Segments

    Introduction to Masraf Al Rayan Business Overview & Segments  For the purpose of financial reporting, the Bank provides breakdown by four segments which offer different products and services, and are managed separately based on the Bank's management and internal reporting structure Asset Management

  16. Slide 16: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 5. Overview of Qatar 16

  17. Slide 17: Historical Financials: Consolidated Income Statement

    Historical Financials Consolidated Income Statement QAR mn 2018 2019 2020 9m 2020 9m 2021 Net incom e from financing activities 3,539 3,710 3,680 2,751 2,726 Net incom e from inves ting activities 838 931 925 704 638 Total Net Income from Financing and Investing Activities 4,377 4,641 4,605 3,454 3,

  18. Slide 18: Historical Financials: Consolidated Statement of Financial Position

    Historical Financials Consolidated Statement of Financial Position QAR mn 2018 2019 2020 9m 2020 9m 2021 Historical Financials Cash and Balances with central banks 3,027 3,123 7,071 9,212 7,313 Due from Banks 1,513 6,035 6,308 4,891 7,709 Consolidated Statement of Financial Position Financing Assets

  19. Slide 19: Contents

    Contents 1. Introduction to Masraf Al Rayan 2. Financial Highlights and Performance 3. Operating Segments 4. Historical Financial Statements 5. Overview of Qatar 19

  20. Slide 20: Operating Environment: Qatar at a Glance

    Operating Environment Qatar at a Glance Snapshot of Qatar Fiscal Balance (USDbn) 8.5%  Second largest exporter of LNG with a global market share of Economic 22%(1) Fundamentals  3rd largest gas reserves in the world (c.13.1% of world’s total) 5.9% (2) 5.7% 4.9%  Rated A1/P-1 in the long and short

  21. Slide 21: Operating Environment: Qatar vs Other GCC Countries

    Operating Environment Qatar vs Other GCC Countries Real Gross Domestic Product (GDP) Growth of GCC Fiscal Breakeven Oil Price, 2021 Projections (USD / barrel) 3.4% 2.6% 2.4% 2.4% 2.4% 2.8% 88.2 1.9% 2.2% 1.7% 0.9% 1.2%0.8% 1.2% 76.2 0.3% 72.3 2021F Avg 69.3 64.6 Brent Breakeven -0.6% 69 $/bl 43.1 -3

  22. Slide 22: Overview of the Qatari Banking Sector & Regulatory Support

    Operating Environment Overview of the Qatari Banking Sector & Regulatory Support Snapshot of the Qatari Banking Sector State of Qatar’s Track Record of Support  A total of 17 banks licensed by the Qatar Central Bank:  Historically, the Government, through the QCB and QIA, has taken several steps t

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