National Bank Of Fujairah · ADX:NBF

National Bank Of Fujairah — Investor Presentation (December 2021)

29 slides from National Bank Of Fujairah's investor presentation, December 2021

  1. Slide 1: Investor Presentation for the Period Ended 31 December 2021

    PRESENTATION TITLE GOES HERE TITLE CAN EXTEND UP TO HERE Your project title goes here DD/MM/YYY The date comes here Investor Presentation For the Period Ended 31 December 2021

  2. Slide 2: Disclaimer

    DISCLAIMER The information cont ained herein has been prepared by National Bank of Fujairah PJSC (NBF). NBF relies on information obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. This presentation has been prepared for informational purposes only and

  3. Slide 3: Overview of NBF

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  4. Slide 4: Overview of National Bank of Fujairah

    OVERVIEW OF NATIONAL BANK OF FUJAIRAH National Bank of Fujairah PJSC Overview Financial Highlights  National Bank of Fujairah PJSC ("NBF“ or the “Bank") was AED Mn FY2018 FY2019 FY2020 FY2021 established in Fujairah, UAE in 1982 by a decree issued by the Ruler of Fujairah, H.H. Sheikh Hamad bin Moh

  5. Slide 5: External Awards and Recognitions

    EXTERNAL AWARDS AND RECOGNITIONS  “Best SME Bank” – at the MEA Finance Awards 2020 and 2021.  “Best Trade Finance Provider” – at the MEA Finance Awards 2021.  “Most Innovative Emerging Technology Implementation” at the MEA Finance's Banking Technology Awards 2021.  NBF was ranked second position

  6. Slide 6: ISO Certifications Received in 2021

    ISO CERTIFICATIONS RECEIVED IN 2021 ISO 45001: 2018 Certification ISO 9001:2015 Quality Management ISO 27001:2013 ISMS Certification Occupational Health and Safety System (QMS) Certification Management System 6 Classified as: NBF Internal Use

  7. Slide 7: COVID-19 – Economic Impact

    COVID 19 – ECONOMIC IMPACT  The coronavirus outbreak is an unprecedented event in the 21st century and is clearly beyond the realm of any normal or stressed business cycle that we have Economic Measures undertaken seen in our working lives. by regulators to Manage  The global pandemic has affected

  8. Slide 8: COVID-19 – Our Response

    COVID 19 – OUR RESPONSE Employees Consumers Business Communities  Fully secure remote working  Liquidity and payment  Regular ALCO & Investment  NBF was awarded “The arrangements. relief options, including Committee meetings to review Dubai Chamber CSR the Central Bank’s TESS emerging market con

  9. Slide 9: Market Share Progression

    MARKET SHARE PROGRESSION Bank Assets Capital and Reserves 1.3% 1.4% 1.1% 1.1% 2013 Sep 2021 2013 Sep 2021 Net Credit Bank Deposits 1.7% 1.5% 1.2% 1.2% 2013 Sep 2021 2013 Sep 2021 Source: Central Bank Statistical Bulletin Sep 2021 Available at : https://www.centralbank.ae/en/statistics/monthly-statis

  10. Slide 10: Key Financials at a Glance

    KEY FINANCIALS AT A GLANCE Assets Loans & Advances Customer Deposits AED Billion AED Billion AED Billion 42.8 42.9 27.1 32.2 31.9 26.2 30.5 39.8 39.9 25.6 29.8 24.8 36.7 27.9 24.1 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Shareholders’ Equity Operating Income Net Pro

  11. Slide 11: Key Performance Indicators at a Glance

    KEY PERFORMANCE INDICATORS AT A GLANCE ROAA ROAE Cost to Income Ratio 12.3% 34.9% 32.4% 10.0% 9.6% 1.6% 8.8% 35.4% 1.3% 1.3% 1.3% 33.7% 33.2% 33.0% 33.7% 1.2% 2.0% 0.2% 0.3% -7.9% -1.1% 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 2017 2018 2019 2020 2021 Non-Interest Income to Total Pure AD Li

  12. Slide 12: Operating Performance

    OPERATING PERFORMANCE Key Highlights Total Interest Income Composition  Operating profit saw an increase of 6.8% to AED 956Mn in AED Million Investments and Islamic instruments 2021 as compared to 2020. Due from banks including the UAE Central Bank CDs  The impact of COVID-19 on economic activitie

  13. Slide 13: Assets Composition

    ASSETS COMPOSITION Breakdown of Assets by Geographical Key Highlights Assets and Advances Distribution 31 December 2021  Total assets increased by 7.7% from year end 2020 AED Million Total Assets Advances reflecting the bank’s deliberate strategy to optimize asset 42,805 42,946 3.2% 2.8% and liquid

  14. Slide 14: Investment and Islamic Instruments

    INVESTMENT AND ISLAMIC INSTRUMENTS Investments and Islamic Instruments by Ratings* Breakdown of Investments and Islamic Instruments by Stage 31 December 2021 6.3% 3.7% 31 December 2021 0.8% 2.5% 31.0% 16.2% Stage 1 21.0% 12.8% 5.7% 100% AAA AA AA- A+ A A- BBB+ BBB B+ / BBB- / Unrated Investments and

  15. Slide 15: Asset Quality

    ASSET QUALITY Key Highlights Non-Performing Loans & NPL Ratio Given the current downturn, COVID-19 pandemic and few exceptional AED Million exposures, the pressure on asset quality is reflected in NBF’s NPL ratio. NBF 4,000 5.8% 14.0% has further strengthened its credit underwriting standards and al

  16. Slide 16: Liquidity Position

    LIQUIDITY POSITION Key Highlights Liquid Assets  NBF continues to maintain robust liquidity levels and AED Million maintains prudent and high quality of liquidity Cash and balances with the UAE Central Bank Due from banks and financial institutions* commensurate to its liquidity risk profile eviden

  17. Slide 17: Funding Profile

    FUNDING PROFILE Funding Mix Customer Deposits 31 December 2021 AED Million Demand and margin Savings Fixed term and notice Total 13.2% 5.0% Due to banks 31,950 29,550 30,472 29,766 27,865 5.6% Customer deposits and Islamic 1.2% customer deposits 16,786 Term borrowings 21,696 22,274 18,459 18,949 851

  18. Slide 18: Strong Capitalisation

    STRONG CAPITALISATION Key Highlights Equity Breakdown Capital Base  NBF is well capitalized with a Capital Adequacy Ratio and AED Million AED Million Total Tier 1 Ratio of 19.1% and 18.0% respectively, as at 31 Share Capital Reserves Total CET1 Additional Tier 1 Total Tier 2 December 2021, well abo

  19. Slide 19: NBF Performance

    NBF PERFORMANCE Key Metrics 2020 2021 2021* Highlights Return on Average Equity -7.9% 2.0% 8.8% Whilst the unprecedented impact on the world Profit economy from COVID 19 continues, there are NIM 2.3% 2.4% 2.5% signs of growing stability on the back of Cost to income 35.4% 33.7% 32.4% significant vac

  20. Slide 20: Business Overview

    02 BUSINESS OVERVIEW 1/28/2022

  21. Slide 21: Overview of Business Segments

    OVERVIEW OF BUSINESS SEGMENTS NBF offers a full range of products through five main business divisions Corporate Contribution to Assets  NBF's largest segment in terms of assets, liabilities and profit. and 31 December 2021  Services include deposit facilities, credit/trade finance and ancillary s

  22. Slide 22: Corporate and Institutional Banking

    CORPORATE AND INSTITUTIONAL BANKING Overview Gross Loans – Sector Breakdown  The Bank’s CIB operations are split into three  The principal CIB products and services offered by 31 December 2021 main sub-divisions: the Bank include: 14.1% Construction 1. Corporate Banking 1. Transaction Banking 3. C

  23. Slide 23: Business Banking

    BUSINESS BANKING Overview Gross Loans – Sector Breakdown 31 December 2021  The Business Banking structure comprises of Construction  Business Banking 8.1%  SMEs 0.0% Financial  Services & Manufacturing 44.0% Institutions  Trading and Diversified 22.7% Manufacturing  Equipment Finance  NBF Elh

  24. Slide 24: Retail Banking

    RETAIL BANKING Overview Gross Loans – Product Mix 31 December 2021  NBF’s retail banking segment offers a wide  The principal retail client products and services range of products and services to individuals offered by the Bank include: and high net worth clients. 0.9% 5.9%  Account Services  NB

  25. Slide 25: Treasury, ALM and Other

    TREASURY, ALM AND OTHER Overview Operating Income Mix  Treasury and ALM  Trading & Market Risk Solutions 31 December 2021  Centralizes and manages the Group's liquidity via an  Provision of efficient & competitive FX Pricing 3.8% advanced ALM system. Solutions for NBF Clients through diverse ALM

  26. Slide 26: Islamic Banking

    ISLAMIC BANKING Overview Gross Loans – Sector Breakdown  The principal Sharia’a-compliant retail products and services offered by the NBF Islamic include: 3 December 2021 Account Services Corporate Advisory, Syndications, Treasury 3.5%  Standard Current, Saving & Corporate  Market Risk Solutions,

  27. Slide 27: Thank You

    Thank you THANK YOU © 2021 National Bank of Fujairah. All rights reserved. The content herein has been prepared by National Bank of Fujairah PJSC (NBF). This is for your reading and reference only, it is prohibited without pre-approval of NBF to copy, share, or reproduce the content herein in any fo

  28. Slide 28: Appendix

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  29. Slide 29: IFRS 9 – Exposure and ECL Mix

    IFRS 9 – EXPOSURE AND ECL MIX Overview ECL Mix  The principal factors contributing to the movement are : (i) Movement in total outstanding balances [funded + unfunded + limits impact] (ii) Change in risk ratings (iii) Term structure of contracts 67.7% 61.9% 63.0% 76.0% (iv) DPD changes and (v) Mood

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