Dubai Islamic Bank PJSC · DFM:DIB
Dubai Islamic Bank PJSC — Dubai Islamic Bank — Debt Investor Presentation (June 2016)
22 slides from Dubai Islamic Bank PJSC's debt investor presentation, Jun 30, 2016
Slide 1: The better way to bank – Investor Presentation
The better way to bank Investor Presentation For the period ended June 30th 2016
Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS NOT FOR PUBLICATION, RELEASE, OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO AUSTRALIA, CANADA, SOUTH AFRICA, JAPAN OR THE UNITED STATES. THIS PRESENTATION DOES NOT CONSTITUTE OR FORM PART OF AN OFFER TO SELL OR TO ISSUE ANY SECURITIES OR SOLICITATION OF AN OFFER TO PU
Slide 3: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 3
Slide 4: Dubai Islamic Bank at a Glance
Dubai Islamic Bank at a Glance A leading Islamic bank with a growing international footprint Snapshot of Dubai Islamic Bank Geographic Presence Ownership (as at 30th June 2016) • Dubai Islamic Bank (“DIB” or the “Bank”) was established Existing Presence in 1975 as the world’s first full service Isla
Slide 5: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 5
Slide 6: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 7: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 7
Slide 8: Overall Financial Performance (as at 30th June 2016)
Overall Financial Performance (as at 30th June 2016) Strong Financial Performance on the Back of Intense Focus on Growth Balance Sheet Items Financial Highlights AED million Dec 2015 June 2016 Change Key Ratios Dec 2014 Dec 2015 H1 2016 Net Financing Assets 97,220 108,930 12% Net Financing to Deposi
Slide 9: Operating Performance & Profitability
Operating Performance & Profitability Robust & Growing Profitability (AED million) Sustained Strong Margins (AED million) 150,870 6,489 129,624 5,432 107,528 3.48% 3.63% 3,839 3.18% 3,166 3,356 2,804 1,801 2,004 Dec 2014 Dec 2015 H1 2015 H1 2016 Dec 2014 Dec 2015 H1 2016 Net Operating Revenue Net Pr
Slide 10: Overview of Deployment of Funds / Financings
Overview of Deployment of Funds / Financings Deployed Funds Composition (AED bn) Deployment by Segment (AED bn) 172 7 150 11 8 Dec 2014 Dec 2015 Jun 2016 7 11 14 124 8 66 6 7 23 8 56 8 20 12 16 39 37 38 31 97 109 20 23 16 14 74 9 10 10 12 7 7 8 8 Dec 2014 Dec 2015 Jun 2016 Corporate Consumer Real es
Slide 11: Improving Asset Quality
Improving Asset Quality Non-Performing Assets (“NPA”)1 Financing Provisions and Coverage Ratios Overall Coverage Ratio² Provision Coverage Ratio NPA Ratio Impaired Financing Ratio 8.0% 147% 150% 134% 6.5% 5.0% 95% 100% 4.5% 4.1% 3.8% 78% Dec 2014 Dec 2015 H1 2016 Dec 2014 Dec 2015 H1 2016 Cumulative
Slide 12: Funding Sources and Liquidity
Funding Sources and Liquidity Funding Sources (AED bn) Customers’ Deposits (AED bn) Liquidity Position (AED bn) Due to banks & FIs Other payables Customer Deposits 172 Liquid Assets Liquid Assets/Total Assets (%) Equity Sukuk 6 Net Financing to Deposit Ratio Customers' Deposits 150 8 14% 16% 5 26 7
Slide 13: Capitalization Overview
Capitalization Overview Total Equity1 Breakdown (AED million) Capital Ratios* Capital Reserves & Treasury Shares Retained Earnings & Others Tier 1 Sukuk CAR Tier 1 Ratio 23,314 20,469 18.2% 18.0% 17.4% 15,525 7,346 18.2% 17.8% 7,346 15.7% 3,673 4,325 14.9% 3,252 4,564 15.5% 4,526 14.7% 4,646 4,605 1
Slide 14: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 15: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 15
Slide 16: Consolidated Income Statement
Consolidated Income Statement AED million H1 2016 H1 2015 2015 2014 Net Income Unaudited Unaudited Audited Audited Income from Islamic financing and investing transactions 3,126 2,614 5,520 4,444 Commission 790 631 1,295 1,052 Income / (loss) from other investment 26 29 37 39 Income from investment
Slide 17: Balance Sheet
Balance Sheet As on AED million 30 June 2016 31 Dec 2015 31 Dec 2014 Assets Un-audited Audited Audited Cash and balances with central banks 22,337 13,415 16,317 Due from banks and financial institutions 2,920 5,085 4,316 Islamic financing and investing assets, net 108,930 97,220 73,977 Investments i
Slide 18: DIB's Key Strategy for the Period Extending 2014-2016
DIB’s Key Strategy for the Period Extending 2014-2016 Maintain position as the leading and the most progressive Islamic financial institution in the region as well as in other selected strategic markets Key Strategic Goals & Initiatives Following the appointment of Dr. Adnan Chilwan as new CEO in mi
Slide 19: DIB's Key Business Lines
DIB’s Key Business Lines Core Business Profiles The principal activities of DIB are focused around five core business areas: (i) Retail & Business Banking; (ii) Corporate Banking (“CBG”); (iii) Real Estate & Contracting Finance; (iv) Investment Banking; and (v) Treasury. Real Estate & Contracting Co
Slide 20: 2014 - 2016 Select Awards & Accolades
2014 - 2016 Select Awards & Accolades Dr. Adnan Chilwan Forbes 2016 Top 10 • Best Islamic Bank Indian Leaders Best Sharia Advisory • Best Islamic Retail Bank UAE in the Arab • Best Overall Islamic Bank World • Indonesia Deal of the Year Service for Dar Al Sharia • Best Investment Bank • Best Premium
Slide 21: 2014 - 2016 Select DIB DCM Transactions
2014 - 2016 Select DIB DCM Transactions Republic of Indonesia Government of Sharjah US$ 1,200,000,000 Sukuk US$ 500,000,000 Tier 1 US$ 750,000,000 Sukuk US$ 2,500,000,000 Sukuk US$ 500,000,000 Sukuk US$ 500,000,000 Sukuk US$ 1,112,700,000 Tender Joint Lead Manager & Joint Lead Manager Joint Lead Man
Slide 22: 2014 – 2016 Select Syndicated Transactions
2014 – 2016 Select Syndicated Transactions Emirates International Government of Pakistan, Telecommunications Ministry of Finance USD 155,000,000 USD 4,900,000,000 USD 275,000,000 AED 900,000,000 AED 571,000,000 US$ 265,000,000 Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Arranger Mand
Dubai Islamic Bank — Debt Investor Presentation (June 2016) on 6ix