Ahli Bank Q.P.S.C. · QSE:ABQK
Ahli Bank Q.P.S.C — Investor Presentation (July 2013)
18 slides from Ahli Bank Q.P.S.C's investor presentation, July 2013
Slide 1: Investor Presentation - H1 2013
Investor Presentation- HI 2013 July 2013
Slide 2: Executive Summary
Executive Summary Shareholding Structure ABQ • Qatar Foundation 29.41% • Established in 1983 • Qatar Holding Co (QIA) 17.65% • Listed on the Qatar Exchange • Others 52.94% with a market cap of ~QR7.2bln Key Financials – H1 2013 QR • Qatar Central Bank regulated, • Total Assets 24.7bln IFRS and Basel
Slide 3: Key Milestones
Key Milestones • 1983 - Incorporated as part of CITI Group • 1987 - CITI Group exited its investment in ABQ • 2004- 40% stake acquired by AUB – Bahrain through issue of new shares with a ten year Management Agreement • 2008- QIA announced 20% equity infusion in Qatar’s listed banks based on Dec 2008
Slide 4: Vision
Vision To offer best business practices in all our banking services for sustained delivery of shareholders’ value 3
Slide 5: Business Model
Business Model Corporate Brokerage & Wealth Retail Management Business Banking Treasury and International Investments Banking 4
Slide 6: Board of Directors
Board of Directors Standing Left to Right – Dr. Ahmed Mohamed Yousef Obidan (Director ,Chairman of the Audit, Compliance and Risk Committee) , Mr. Victor Nazeem Agha (Director, Member of the executive Committee ), Mr. Ahmed Abdulrahman Nasser Fakhro (Director, Member of the Executive Committee, Memb
Slide 7: Organization Chart
Organization Chart Board of Directors Policy, Procedures & Executive Tender Audit, Compliance Compensation Committee Committee Committee and Risk Committee Chief Executive Business Banking & Strategy Retail Retail Premium Finance Governance Corporate Corporate , & and OPs Board Corporate SMEs Secret
Slide 8: KPI Trend
KPI Trend QR'mln Dec 09 Dec 10 Dec 11 Dec 12 H1 '13 Net profit 301 412 442 465 271 Total Assets 18,450 17,966 17,923 20,606 24,712 Total Loans 12,407 11,339 12,344 14,014 15,852 Total liabilities 16,497 15,901 15,410 17,165 21,441 Shareholders' Equity 1,953 2,064 2,513 3,442 3,271 Return on Average
Slide 9: Total Assets, Net Profit, ROAE and ROAA
Total Assets (QR mln) Net Profit (QR mln) 500 16.6% 5.2% 7.3% 450 37.2% 23,000 15.0% 400 3.7% -2.6% -0.2% 350 18,000 -29.4% 300 12.3% 13,000 250 200 8,000 150 2009 2010 2011 2012 H1 2013 2009 2010 2011 2012 H1 2013 Total Assets QR mln 18,450 17,966 17,923 20,606 24,712 Net Profit QR mln 301 412 442
Slide 10: Balance Sheet Mix
Balance Sheet Mix Inter-Bank Assets Inter-Bank 7% Liabilities 13% Equity 13% Qatar Treasury Bills / Bonds 15% Other Investments & FA 4% Wholesale Deposits Corporate Loans 55% 49% Retail Deposits Retail Loans 25% 19% Assets Liabilities 9
Slide 11: H1 2013 – Highlights
H1 2013 – Highlights • Net profit grew by 12.3% to QR271mln over H1- 2012 net profit of QR241mln. H1 2013 net profit at all time high • Net Interest Income grew by 27.1% to QR323mln while Non Interest Income increased by 6.1% to QR81mln • Operating Income growth of 22.2% over H-1 2012 • Cost / Incom
Slide 12: Peer Group Analysis – Q1 2013
Peer Group Analysis – Q1 2013 Net Profit Growth (%) Rank I 20.0% 14.0% 13.2% 15.0% 10.0% 7.3% 6.7% 5.6% 5.0% 1.4% 0.0% ABQ CBQ DB QIIB Rayan QNB QIB -5.0% -10.0% -15.0% -20.0% -25.0% -24.9% -30.0% Balance Sheet Growth (%) Rank I 35.0% 30.0% 30.0% 25.7% 25.0% 22.2% 22.1% 20.0% 16.6% 15.0% 10.0% 8.4%
Slide 13: Peer Group KPIs – Q1 2013
Peer Group KPIs – Q1 2013 Cost to Income % Return on Equity (%) 2011 2012 Q1 2013 2011 2012 Q1 2013 Rayan 19.23 18.98 17.47 DB 19.01 17.84 20.02 QNB 15.75 16.82 18.19 QNB 22.26 18.72 18.83 QIIB 21.68 20.27 21.78 Rayan 18.02 16.48 17.22 ABQ 28.74 30.96 28.46 ABQ 19.18 16.41 16.27 DB 33.46 34.51 30.70
Slide 14: Overview of Transformation Initiatives
Overview of Transformation Initiatives Organization structure streamlined Strengthened Corporate Governance New Strategic Plan Red Flag monitoring System Approved by Board Control functions segregated Compliance education across the bank Business Banking Promoted and recognized internal ta
Slide 15: Capital Adequacy Ratio (CAR)
Capital Adequacy Ratio (CAR) 3,500 35 30 20% 3,000 25 2,500 20 QR mln CAR % 2,000 15 10% 10 1,500 5 1,000 - 2009 2010 2011 2012 H1 2013 est Tier II - QR mln 311.0 331.9 335.3 350.2 356.4 Tier I - QR mln 1,449.8 1,530.6 2,283.0 2,767.8 2,767.8 CAR - % 15.2 14.9 22.1 20.8 19.1 QCB minimum - % 10 10 10
Slide 16: Shareholders’ Return
Shareholders’ Return ABQ share price -QR Index 65 9400 60 9200 55 9000 50 8800 45 8600 40 8400 35 8200 30 8000 Jan Mar Jun Sep Dec Mar Jun Sep Dec Jan Feb Mar Apr May June 11 11 11 11 11 12 12 12 12 13 13 13 13 13 13 ABQ share price QE index ABQ Share Price :Steady trend with Return of 49% since 201
Slide 17: Awards & Accolades
Awards & Accolades Awards Year Awarded by /Rank ISO/IEC 27001:2005 ISMS certification 2013 TUV SUD Management Service GmbH, Germany Best Commercial Bank, Qatar 2012 World Finance Best Commercial Bank in Qatar 2012 Arabian Business STP Award 2012 Bank of New York Arab Banks by Tier I growth * 2011 5
Slide 18: Contact Us
Contact Us at: Shafi AlShafi ABQ Investor Relations Ph: +974 4423 2220 Email: Shafi@ahlibank.com.qa 17
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