The National Bank Of Ras Al Khaimah · ADX:RAKBANK

The National Bank Of Ras Al Khaimah — 9M 2014 Earnings Presentation

16 slides from The National Bank Of Ras Al Khaimah's earnings presentation, 2014

  1. Slide 1: RAKBANK Investor Relations Presentation for the First 9 Months of 2014

    RAKBANK Investor Relations Presentation for the First 9 Months of 2014 The National Bank of Ras Al-Khaimah (P.S.C)

  2. Slide 2: 9M 2014 Highlights

    9M 2014 Highlights Financial Snapshot Islamic Banking Update AMAL, along with IFC (the provider of the Shariah-compliant Growth credit cards), is the Islamic Banking unit launched by the (AED millions) 9M ‘14 9M ‘13 Awards & Recognitions Y-o-Y Bank in late January 2013 Net Interest Income 2,027 1,82

  3. Slide 3: Business Segments

    Business Segments Retail Banking Financial Snapshot (as at 30.09.2014) Loans by Nationality (as at 31.08.2014) Customers by Nationality (as at 31.08.2014) UAE Nationals Expats Indian UAE nationals Arab expats AED billions % of Total Other Filipino Pakistani Assets 23.87 68.60% 7% 31% 6% 12% Liabilit

  4. Slide 4: Balance Sheet Overview

    Balance Sheet Overview Breakdown of Assets by Type (as at 30.09.14) Assets and Loans & Advances (AED billions) Cash and Balances with UAE Central Bank Due from other Banks Total Assets Loans & Advances Loans and Advances Investment Securities 40 34.5 34.8 Property and Equipment Other Assets 30.1 30

  5. Slide 5: Asset Breakdown

    Asset Breakdown As at 30 September 2014 Breakdown of Loans and Advances Loans by Geography Expat Personal 4% 3% Loans National Loans Loans by Geography Dubai 4% 9% 4% 14% Auto Loans Ras Al Khaimah 19% 23% Mortgage Loans 15% Abu Dhabi Credit Cards 61% 11% 6% Sharjah 12% RAKFinance 15% Ajman Others SM

  6. Slide 6: Asset Quality

    Asset Quality Non-Performing Loans (AED millions) Impaired Loans to Gross Loans & Advances 600 567.2 569.4 539.8 3.0% 516.5 500 474.1 411.5 2.5% 2.5% 2.5% 2.4% 400 2.5% 2.4% 2.3% 300 200 2.0% 100 0 1.5% 2010 2011 2012 2013 H1 '14 9M 2014 2010 2011 2012 2013 H1 '14 9M 2014 Coverage Ratio Notes  Over

  7. Slide 7: Liabilities

    Liabilities Customer Deposits (AED billions) Liabilities Mix Time Current Savings Call Islamic Customer 2% 3% Deposits 30 5% 25.5 24.7 Equity 25 23.1 20.7 2.6 2.4 19% 2.0 1.7 1.2 20 18.3 0.9 1.0 Debt 16.4 3.9 3.8 0.7 2.7 3.4 security 0.5 1.9 15 0.9 71% issued 5.3 6.3 7.8 Other 9.6 10.7 11.3 10 Liabi

  8. Slide 8: Capitalization

    Capitalization Equity Breakdown (AED billions) Capital Adequacy Share Capital Reserves Retained Earnings Tier 1 Ratio Total Capital Adequacy Ratio 8 31.3% 6.8 35% 7 6.6 6.4 28.7% 28.8% 29.0% 5.7 30% 27.0% 25.5% 25.1% 6 1.5 1.3 1.7 25% 24.0% 5 4.8 1.2 20% 4 3.8 1.2 0.8 3.4 3.4 3.4 15% 3 3.0 2.2 10% 2

  9. Slide 9: Income Statement & Key Ratios

    Income Statement & Key Ratios Income Statement as at 30 September (AED millions) Income Statements 9M 2014 9M 2013 Y-o-Y Q3 2014 Q2 2014 Q-o-Q (AED millions) Net Interest Income 2,027 1,828 199 712 676 36 Fee and Commission Income 489 398 91 169 170 (1) Investment Income 7 19 (12) 5 0 5 Forex Income

  10. Slide 10: Profitability

    Profitability Profitability (AED billions) Cost-to-Income Ratio Total Operating Income Net Profit 3.5 3.2 45% 44.3% 2.9 3.0 2.6 2.6 44% 43.8% 43.6% 2.5 2.2 44% 2.0 1.7 43.0% 42.9% 1.4 1.4 43% 1.5 1.2 1.1 42.5% 1.0 43% 1.0 0.7 0.5 42% - 42% 2010 2011 2012 2013 H1 '14 9M '14 2010 2011 2012 2013 H1 '14

  11. Slide 11: Key Ratios Comparisons (30 June 2014)

    Key Ratios Comparisons (30 June 2014) Capital Adequacy Ratio Net Interest Margin(annualized) NPL Ratio 25.5% 8.4% 13.5% 20.1% 19.6% 19.0% 20.0% 16.2% 16.1% 8.7% 3.6% 3.4% 5.7% 2.9% 2.8% 3.0% 2.0% 3.4% 3.3% 3.0% 2.4% Return on Equity (annualized) Return on Assets (annualized) NPL Coverage 4.4% 129.2%

  12. Slide 12: Appendix

    Appendix 12

  13. Slide 13: RAKBANK Profile

    RAKBANK Profile Overview of RAKBANK Establishment Ownership Segments Strategy The National Bank of Ras al RAKBANK is listed on the Abu The Bank operates via 3 main Historically, the strategy focus Khaimah was founded in Dhabi Securities Exchange business divisions: Retail has been on the Retail and

  14. Slide 14: Shareholders, Directors, & Management

    Shareholders, Directors, & Management Ownership Structure (as at 28 October 2014) Board of Directors H.E. Shaikh Omar bin Saqr Al-Qasimi Chairman Foreign H.E. Shaikh Salim bin Sultan Al-Qasimi Member Ownership Mr. Hamad Abdulaziz Al Sagar Member 20.22% The Government of Mr. Abdul Aziz Abdullah Al Za

  15. Slide 15: USD 500 million Fixed Rate Note

    USD 500 million Fixed Rate Note Transaction Summary Investors by Geography Issuer RAKFUNDING CAYMAN LTD Guarantor The National Bank of Ras Al-Khaimah Guarantor Rating Baa1 (Moody's) / BBB+ (Fitch) MENA Status Senior Unsecured 8% Europe Format Regulation S only Pricing Date 17 June 2014 Asia 18% Sett

  16. Slide 16: Disclaimer

    Disclaimer The material in this presentation has been prepared by the National Bank of Ras Al Khaimah (P.S.C), 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 presentation. This information is g

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