The National Bank Of Ras Al Khaimah · ADX:RAKBANK
The National Bank Of Ras Al Khaimah — Rakbank — FY2018 Earnings Presentation
13 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2019
Slide 1: RAKBANK Investor Relations Presentation Q4/FY 2018
RAKBANK Investor Relations Presentation Q4/FY 2018
Slide 2: RAKBANK Profile
RAKBANK Profile Establishment Subsidiaries The National Bank of Ras Al Khaimah was founded in 1976. It underwent a major Subsidiary Ownership Country Purpose transformation in 2001 as it rebranded as RAKBANK and shifted its focus from Corporate Banking to Retail Banking (re-branded to Personal Ban
Slide 3: Shareholders, Directors & Management
Shareholders, Directors & Management Ownership Structure Board of Directors 3.0% H.E. Mohamed Omran Alshamsi Chairman 15.0% Government of Ras Al H.H. Shaikha Amneh Alqasimi Director Khaimah UAE Nationals H.H. Sheikh Salem Al Qasimi Director Mr. Salem Ali Al Sharhan Director GCC Nationals 52.8% Mr. A
Slide 4: Business Verticals
Business Verticals Personal Banking Business Banking Wholesale Banking Treasury Insurance • Incorporating individual • Incorporating non-individual • Incorporating financing and • Incorporating money market • Incorporating all insurance customer financing, credit and financing and deposit services d
Slide 5: Awards and Recognition
Awards and Recognition Most Innovative Best Customer Best Marketing, Social Best SME Bank in the Best Blockchain Best API Platform Outward Remittance Happiness Centre Media, and Brand UAE Initiative Services (RMT) - UAE Global Banking Customer Happiness International Business Banker Middle East Asia
Slide 6: Q4 / 12M 2018 Highlights
Q4 / 12M 2018 Highlights Financial Snapshot Quarter Results Full Year Results (AED Mn) Q4 ’18 Q4 ’17 Variance FY ’18 FY ’17 Variance Net Interest Income 702.8 687.8 2.2% 2,768.7 2,723.2 1.7% Non-Interest Income 289.5 248.8 16.4% 1,058.3 1,086.6 (2.6%) Total Income 992.3 936.6 5.9% 3,827.0 3,809.9 0.
Slide 7: Balance Sheet Overview
Balance Sheet Overview Breakdown of Assets by Type (as at 31.12.18) Assets and Gross Loans & Advances (AED Bn) 0.3% 3.6% Cash and Balances with Gross Loans and Advances Total Assets 1.6% +8.5% 9.4% UAE Central Bank Due from other Banks +4.8% 9.0% 13.6% 51.8 52.7 Loans and Advances, Net 48.5 40.6 42.
Slide 8: Customer Assets Mix
Customer Assets Mix Total Customer Assets by Segment (AED Bn) Total Customer Assets – Personal Banking (AED Bn) Dec ’15 Dec ’16 Dec ’17 Dec‘18 FI – Due from Banks Dec ’15 Dec ’16 Dec ’17 Dec ’18 18.8 4.6 4.7 18.1 17.7 18.5 4.4 4.4 4.1 3.7 3.6 3.5 3.2 3.4 3.5 3.2 3.2 11.4 2.9 2.6 2.7 2.7 2.6 9.0 2.3
Slide 9: Asset Quality
Asset Quality Non-Performing Loans (AED Mn) Net Credit Cost Impaired Loans to Gross Loans and Advances Impaired Loans 4.2% 6.2% 4.0% 3.7% 4.2% 5.0% 3.2% 3.8% 4.1% 4.1% 2.4% 1,478 2.5% 1,249 1,334 1,314 914 619 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’18 Dec ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’18 De
Slide 10: Liabilities
Liabilities Customer Deposits (AED Bn) Notes Call Savings Current Time Customer deposits grew by AED 2.0 billion to AED 34.1 billion compared +6.1% to 31 December 2017. The main growth came mainly from an increase of AED2.7 billion in time deposits. 1.1 1.3 1.1 2.8 2.9 1.2 3.1 1.3 3.6 1.3 3.7 3.9
Slide 11: Capitalization
Capitalization Equity Breakdown (AED Bn) Total Capital Adequacy Ratio (CAR) Retained Earnings Reserves Share Capital -9.0% 26.5% 24.4% 22.3% 2.1 1.9 2.1 20.7% 1.8 1.3 1.5 18.5% 17.2% 3.7 3.9 4.0 4.0 3.9 4.0 1.7 1.7 1.7 1.7 1.7 1.7 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’18 Dec ’18 Dec ’14 Dec ’15 Dec ’
Slide 12: Profitability
Profitability Profitability (AED Bn) Cost-to-Income Ratio Total Income Net Profit +13.2% +0.4% 3.9 3.8 3.8 3.8 3.6 42.3% 37.5% 38.0% 39.3% 38.9% 2.8 35.6% 1.5 1.4 0.8 0.9 0.7 0.7 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’18* Dec ’18 Dec ’14 Dec ’15 Dec ’16 Dec ’17 Sep ’18* Dec ’18 Annualized Returns Net
Slide 13: Disclaimer
Disclaimer The information in this presentation has been prepared by The National Bank of Ras Al Khaimah (P.S.C) a public joint stock company, United Arab Emirates (“RAKBANK”) and is general background information about RAKBANK’s activities and is not intended to be current as on the date of the pre