Alrayan Bank · QSE:MARK
Alrayan Bank — Masraf Al Rayan — Q1 2023 Earnings Presentation
25 slides from Alrayan Bank's earnings presentation, April 2023
Slide 1: Investor Presentation: Financial Results Q1 2023
Investor Presentation Financial Results- Q1 2023 April, 2023
Slide 2: Content
Content Introduction to Masraf Al Rayan Financial Highlights and Performance Operating Segments Financial Statements
Slide 3: Introduction to Masraf Al Rayan
Introduction to Masraf Al Rayan
Slide 4: Corporate Profile
Introduction to Masraf Al Rayan Corporate Profile Overview Network • Islamic bank incorporated in Qatar on January 4 2006 and licensed by the Qatar Central Bank 2 branches 16 branches Profile • Classified as a DSIB (Domestic Systemically Important Bank) 112 • Legal merger completed on December 1, 20
Slide 5: Ownership structure
Introduction to Masraf Al Rayan Ownership structure Shareholding Structure Credit Rating (Moody’s) Long-term and short-term foreign currency and Qatari Ownership: 79% (mainly Govt. & GREs) local currency issuer ratings: A1/Prime-1 Govt. /GRE: 33.9% (Major shareholders below) Baseline credit assessme
Slide 6: Our Board of Directors
Introduction to Masraf Al Rayan Our Board of Directors The principal role of the Board is to oversee the implementation of the Bank's strategy initiatives and its functions within the agreed framework in accordance with relevant statutory and regulatory requirements Chairman of the Board Vice Chairm
Slide 7: Management team
Introduction to Masraf Al Rayan Management team
Slide 8: A bank with many strengths
Introduction to Masraf Al Rayan A bank with many strengths Strong fundamentals underpinned by Qatari government related franchise, stable profitability and high capitalization ▪ Robust capitalization (CAR 20.73%) well above the regulatory threshold of 13.50% for a DSIB ▪ Financing exposure to Govern
Slide 9: Strong and stable bank
Introduction to Masraf Al Rayan Strong and stable bank Financing assets Total Assets Net operating Income Net profit Net Financing assets Total assets Net operating profit Shareholders’ Net profit QAR 117 billion QAR 162 billion 897 million QAR 385 million Investment Efficiency Sovereign debt exposu
Slide 10: Sustainability Governance
Introduction to Masraf Al Rayan Sustainability Governance • First Islamic bank in Qatar to launch Sustainable Financing Framework (SSF); which enables: ➢ ESG-linked funding opportunities to investors; ➢ Use of proceeds to finance eligible assets; ➢ Introduce ESG concepts in the bank; ➢ Set clear ESG
Slide 11: Product offering – Full suite of Islamic Banking Products
Introduction to Masraf Al Rayan Product offering – Full suite of Islamic Banking Products Retail Private Wholesale Treasury Investment Banking Banking Banking & FI Banking Auto finance, Home Real estate and Project Direct finance: MM placements: finance, Asset Management: finance Murabaha, Mudaraba,
Slide 12: Key Recognitions in 2023, 2022
Introduction to Masraf Al Rayan Key R ecognitions in 2023, 2022
Slide 13: Financial Highlights and Performance
Financial Highlights and Performance
Slide 14: Q1-2023 Summary
Financial Highlights and Performance Q1-2023 Summary Balance Sheet Income statement Financial Ratios • Total assets QAR 162,189 million • Net profit totalled QAR 385 million • Profit margin of 1.81 %; compared to QAR 167,533 million on 31 for Q1 2023, compared to QAR December 2022; 488 million for t
Slide 15: Income statement Q1-2023
Financial Highlights and Performance Income statement Q1-2023 Income statement (QAR million) Q1 2023 Q1 2022 YoY Operating income 2,276 1,555 46.3% • Net profit attributable to the Equity holders of the bank totalled QAR 385 Net operating profit 897 1,095 -18.1% million for the Q1 2023. Operating ex
Slide 16: Balance Sheet Q1-2023
Financial Highlights and Performance Balance Sheet Q1-2023 Balance Sheet (QAR billion) Q1 2023 Q1 2022 YoY • Financing Assets QAR 117 b: of which 45 % exposure to Govt. & GRE’s; Total Assets 162 171 -5.1% Financing assets 117 122 -4.7% • Investment securities QAR 30 b: of which 90% exposure is Sover
Slide 17: Funding & Liquidity Q1-2023
Financial Highlights and Performance Funding & Liquidity Q1-2023 Funding Mix – QAR m Deposit Mix – QAR m 145,714 120,000 138,425 101,124 5,551 93,689 5,228 100,000 12,516 7,507 12,852 9,186 8,076 26,522 26,656 80,000 8,878 60,000 40,000 84,431 101,123 93,688 76,735 20,000 - Q1 2022 Q1 2023 Q1 2022 Q
Slide 18: Capital Adequacy Q1-2023
Financial Highlights and Performance Capital Adequacy Q1-2023 Equity Breakup Capitalisation % 25,163 23,764 1,200 2,651 1,212 1,171 12,081 12,012 9,300 9,300 Q1 2022 Q1 2023 Share capital Reserves Retained Earnings Non-controlling interests and AT1 Risk Weighted Assets Key Highlights • Strong capita
Slide 19: Operating Segments
7 Ji | apa MASRAF AL RAYAN Operating Segments .
Slide 20: Operating Segments Q1-2023
Operating Segments Q1-2023 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Corporate Banking Retail Banking International Operations ➢ Core driver of the Bank’s business.
Slide 21: Operating Segments Q1-2023
Operating Segments Q1-2023 For the purpose of financial reporting, the Bank provides breakdown by five segments that are managed separately based on the Bank's management and internal reporting structure Treasury and Financial Institutions Asset Management and Financial Advisory ➢ Core driver of the
Slide 22: Financial Statements
7 Ji | apa MASRAF AL RAYAN . Financial Statements .
Slide 23: Balance Sheet Q1-2023
Financial Statements Balance Sheet Q1-2023 QAR mn Q1 2023 Q4 2022 Q1 2022 Cash and Balances with central banks 5,094 5,088 5,571 Due from Banks 3,358 6,109 4,606 Financing Assets 116,522 117,859 122,251 Investment Securities 30,300 31,477 31,867 Investment in Associates 319 346 355 Fixed assets 933
Slide 24: Income statement Q1-2023
Financial Statements Income statement Q1-202 QAR mn Q1 2023 Q1 2022 Net income from financing activities 1,702 1,086 Net income from investing activities 370 299 Total Net Income from Financing and Investing Activities 2,072 1,385 Fee and commission income 116 94 Fee and commission expense (2) (6) N
Slide 25: Thank You
7 Ji | apa MASRAF AL RAYAN THANK YOU