The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — FY2020 Earnings Presentation
19 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2021
Slide 1: Investor Presentation Q4 / FY 2020
Investor Presentation Q4 / FY 2020
Slide 2: Highlights
RAKBANK Investor Presentation – Q4 / FY 2020 1 Highlights • Under CBUAE TESS Program, the Bank received zero cost funding of Net profit AED 1.2 billion which was passed on to its customers through CASA growth of principal and/or interest deferrals. dropped by AED 5.1 billion 53.9% FY20 v/s FY19 FY20
Slide 3: Bank profile
Bank profile RAKBANK Investor Presentation – Q4 / FY 2020 3
Slide 4: The UAE's leading SME lender
RAKBANK Investor Presentation – Q4 / FY 2020 4 The UAE’s leading SME lender 31 December 2020 History AED 6.5 b • Founded in 1976; listed on Abu Dhabi Securities market cap Exchange (ADX) in 2005 • Headquartered in the emirate of Ras Al Khaimah (‘RAK’) AED 52.8 b total assets • Major transformation i
Slide 5: Institutional strength
RAKBANK Investor Presentation – Q4 / FY 2020 5 Institutional strength Stable credit ratings Diverse ownership 3.1% 31 December 2020 Rating Agency Last Update Deposits Outlook 14.7% Government of Ras Al Moody’s December 2020 Baa1 / P-2 Negative Khaimah UAE Nationals Fitch Ratings July 2020 BBB+ / F2
Slide 6: Business segment overview
RAKBANK Investor Presentation – Q4 / FY 2020 6 Business segment overview Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non- • Incorporating financing • Incorporating money • Incorporating all customer financing, individual financing
Slide 7: Performance
Performance RAKBANK Investor Presentation – Q4 / FY 2020 7
Slide 8: Performance highlights
RAKBANK Investor Presentation – Q4 / FY 2020 8 Performance highlights Snapshot Quarterly Results Full Year Results (AED million) Q4 ’20 Q4 ’19 Variance FY ’20 FY ’19 Variance Net Interest Income 561.8 710.4 (20.9%) 2,525.6 2,802.1 (9.9%) Non-Interest Income 245.8 270.2 (9.0%) 1,038.4 1,176.8 (11.8%)
Slide 9: Profitability
RAKBANK Investor Presentation – Q4 / FY 2020 9 Profitability Profitability (AED billion) Cost-to-income ratio Total Income Net Profit -53.9% 38.0% 38.9% 39.5% 39.2% 35.6% -10.4% 3.8 3.8 3.8 4.0 3.6 0.9 1.1 0.7 0.8 0.5 Dec ’16 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Dec ’16 Dec ’17 Dec ’18 Dec ’19 Dec ’20 An
Slide 10: Balance sheet summary
RAKBANK Investor Presentation – Q4 / FY 2020 10 Balance sheet summary Breakdown of assets by type Assets and gross loans & advances (AED billion) Gross Loans and Advances Total Assets 0.5%3.2% Cash and Balances with UAE 10.4% -7.6% 1.5% Central Bank Due from other Banks -11.2% 15.0% 12.4% Loans and
Slide 11: Customer assets mix
RAKBANK Investor Presentation – Q4 / FY 2020 11 Customer assets mix Total customer assets by segment (AED billion) Total customer assets – personal banking (AED billion) Dec '17 Dec '18 Dec '19 Dec ‘20 FI Loans - Banks Dec '17 Dec '18 Dec '19 Dec ‘20 18.8 18.5 18.7 5.6 15.1 4.7 5.4 16.7 4.8 14.0 4.6
Slide 12: Liabilities
RAKBANK Investor Presentation – Q4 / FY 2020 12 Liabilities Customer deposits (AED billion) Notes Call Savings Current Time • Customer deposits grew by AED 118 million to AED 36.9 billion compared +0.3% to 2019. This growth came mainly from an increase of AED 5.1 billion in CASA offset by decrease A
Slide 13: Asset quality
RAKBANK Investor Presentation – Q4 / FY 2020 13 Asset quality Non-performing loans (AED million) Cost of risk Impaired Loans to Gross Loans and Advances Impaired Loans 5.2% 6.2% 4.2% 4.0% 4.2% 4.0% 5.0% 4.8% 4.1% 3.7% 1,668 1,334 1,478 1,446 1,249 Dec ’16 Dec ’17 Dec ’18 Dec ’19 Dec ’20 Dec ’16 Dec
Slide 14: Capitalization
RAKBANK Investor Presentation – Q4 / FY 2020 14 Capitalization Equity breakdown (AED billion) Total capital adequacy ratio (CAR) Retained Earnings Reserves* Share Capital Total Capital Acequacy Ratio CET 1 +0.4% 22.3% 20.7% 18.6% 20.7% 17.2% 16.8% 1.9 2.1 2.0 2.1 1.5 17.5% 16.0% 15.7% 4.0 4.1 4.0 4.
Slide 15: Additional information
Additional information RAKBANK Investor Presentation – Q4 / FY 2020 15
Slide 16: Senior leadership
RAKBANK Investor Presentation – Q4 / FY 2020 16 Senior leadership Board of directors Executive management H.E. Mohamed Omran Alshamsi Chairman Peter England Dhiraj Kunwar Chief Executive Officer MD, Business Banking H.H. Shaikha Amneh Alqasimi Director H.E. Sheikh Salem Al Qasimi Director Deepak Maj
Slide 17: Recognition
RAKBANK Investor Presentation – Q4 / FY 2020 17 Recognition Best Service Performance The Number 1 Top Industry Award for the Industry Award for the Best Outstanding Management Best Product/Service launch Outlet – Services Sector Investment House in MENA Advertiser of the Year in Show Gold award Duba
Slide 18: Disclaimer
RAKBANK Investor Presentation – Q4 / FY 2020 18 Disclaimer The information in this presentation has been prepared by The National Bank including statements regarding our intent, belief or current expectations with of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates respect t
Slide 19: Contact Useful information
Contact Useful information Zeina Sammakieh Download copies of: Phone: +971 4 291 5545 • Financial Statements Email: ir@rakbank.ae • Earnings Release • Management Discussion & Analysis RAKBANK Investor Presentation – Q4 / FY 2020 19
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