Dubai Islamic Bank Pjsc · DFM:DIB
Dubai Islamic Bank Pjsc — Dubai Islamic Bank — FY2015 Earnings Presentation
25 slides from Dubai Islamic Bank Pjsc's earnings presentation, 2016
Slide 1: The better way to bank
The better way to bank Investor Presentation Full Year 2015 Financial Results
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Disclaimer THIS PRESENTATION IS NOT FOR PUBLICATION, RELEASE, OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO AUSTRALIA, CANADA, SOUTH AFRICA, JAPAN OR THE UNITED STATES.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 31 Dec 2015) • Dubai Islamic Bank (“DIB” or the “Bank”) was established Existing Presence in 1975 as the world’s first full service Islamic
Slide 5: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 5
Slide 6: Strategic Focus 2015
Strategic Focus 2015 Drive Growth Drive Profitability Drive Service Open & Transparent Highly Engaged with all Stakeholders Selling Satisfaction rather than Products Market Leading Performance Simple Banking Consistently Beating Expectations Reinvigorating Investor Confidence Superior Growth Positio
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 December 2015)
Overall Financial Performance (as at 31 December 2015) Strong Financial Performance on the Back of Intense Focus on Growth Balance Sheet Items Financial Highlights Key Ratios 2013 2014 2015 AED million 2014 2015 Change Net Financing to Deposit Ratio1 71% 80% 88% Net Financing assets 73,977 97,220 31
Slide 9: Operating Performance & Profitability
Operating Performance & Profitability Robust & Growing Profitability (AED million) Sustained Strong Margins (AED million) +19% 6,489 129,624 +30% 5,432 107,528 4,173 96,881 +37% 3,839 3.57% 3.76% 2,804 3.34% +63% 1,718 2013 2014 2015 2013 2014 2015 Net Operating Revenue Net Profit Profit Bearing Ass
Slide 10: Overview of Deployment of Funds / Financings
Overview of Deployment of Funds / Financings Deployed Funds Composition (AED bn) Deployment by Segment (AED bn) Net Financing Assets Sukuk Investments Interbank placement & CDs Investment in equities & properties 2013 2014 2015 Operating Cash Others 150 56 7 124 11 114 8 40 37 6 7 5 8 31 8 8 20 27 2
Slide 11: Improving Asset Quality
Improving Asset Quality Non-Performing Assets (“NPA”)1 Financing Provisions and Coverage Ratios NPA Ratio Impaired Financing Ratio Overall Coverage Ratio² Provision Coverage Ratio 11.1% 148% 134% 8.8% 116% 8.0% 95% 6.5% 78% 5.0% 64% 4.1% 2013 2014 2015 2013 2014 2015 Cumulative Provisioning (AED mil
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 Equity Sukuk Customer Deposits Liquid Assets Liquid Assets/Total Assets (%) Customers' Deposits 150 5 Net Financing to deposit ratio* (%) 36% 124 7 88% 11
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 20,479 18.2% 18.2% 15,525 7,346 17.4% 14,292 18.2% 3,673 3,673 15.7% 3,252 4,574 14.9% 2,014 15.5% 4,651 4,646 4,605 14.7% 13.9% 3
Slide 14: Strategic Focus 2015 – Target Metrics Achieved
Strategic Focus 2015 Drive Growth Drive Profitability Drive Service Open & Transparent Highly Engaged with all Stakeholders Selling Satisfaction rather than Products Market Leading Performance Simple Banking Consistently Beating Expectations Reinvigorating Investor Confidence Superior Growth Positio
Slide 15: 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 16: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 16
Slide 17: Consolidated Income Statement
Consolidated Income Statement AED million 2015 2014 2013 Net Income Audited Audited Audited Income from Islamic financing and investing transactions 5,520 4,444 4,030 Commission 1,295 1,052 799 Income / (loss) from other investment 37 39 22 Income from investment properties 111 83 61 Income from pro
Slide 18: Balance Sheet
Balance Sheet As on AED million 31 Dec 2015 31 Dec 2014 31 Dec 2013 Assets Audited Audited Audited Cash and balances with central banks 13,415 16,317 22,713 Due from banks and financial institutions 5,085 4,316 9,606 Islamic financing and investing assets, net 97,220 73,977 56,071 Investments in Isl
Slide 19: 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 20: 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 21: DIB's Unmatched Credentials
DIB’s Unmatched Credentials • Wakala Deal of the Year Best Structured Finance Mudaraba Deal of the Year Best Sukuk House • Syndicated Deal of the Year Deal in the Middle East ENOC • Best Sukuk Bank Runner Up for the “Deal Best Structured Corporate Finance Best Sharia Advisory • Best Islamic Bank of
Slide 22: 2015 Awards & Accolades
2015 Awards & Accolades Islamic Retail Banking Indian Innovator Awards 2015 Awards 2015 • Ijarah Deal of the Year Best Islamic Bank 2015 The Strongest Islamic Retail Bank in GCC Banking Innovation Dr. Adnan Chilwan • Pakistan Deal of the Year • Corporate Finance Deal of the Year • Cross Border Deal
Slide 23: Select DIB DCM Transactions
Select DIB DCM Transactions Republic of Indonesia US$ 250,000,000 Sukuk US$ 500,000,000 Sukuk US$ 100,000,000 Sukuk US$ 750,000,000 Sukuk US$ 500,000,000 Sukuk US$ 2,000,000,000 Sukuk Joint Lead Manager Joint Lead Manager Joint Lead Manager Joint Lead Manager Structuring Bank Joint Lead Manager & Bo
Slide 24: Select Syndicated Transactions
Select Syndicated Transactions Emirates International Government of Pakistan, Telecommunications Ministry of Finance AED 571,000,000 US$ 265,000,000 AED 816,000,000 US$ 400,000,000 US$ 1,500,000,000 US$ 300,000,000 Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Ar
Slide 25: The DIB Vision
THE DIB VISION “To be the most progressive Islamic Financial Institution in the World.”