Investor. Subject: Presentation. Department: December 2017
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1 Investor Subject: Presentation Department: December 2017
2 Agenda I. bank muscat introduction 4 II. Operating Environment 7 III. bank muscat Business Overview 12 IV. Financial Performance 20 V. Annexure 25 Note: The financial information is updated as of 31 Dec 2017, unless stated otherwise.
3 I. bank muscat introduction
4 bank muscat at a Glance Overview #1 Bank in Oman with a significant active customer base in excess of 1.94 million clients and a workforce of 3,712 employees as of 31st Dec 2017 Established in 1982, headquartered in Muscat with 157 branches across Oman, 2 branches overseas, and 3 representative offices Fully diversified commercial bank offering corporateand retailbanking services Primarily domestic dominated operations with over 95% of operating income generatedinoman Meethaq pioneer of Islamic Banking services in Oman, officially launched in January 2013 with full fledged product and services offering Long term Bank Rating: Moody s Baa2(Negative), S&P BB (Stable) Listed on the Muscat Securities Market (with a market cap of USD 2,758 million as of 31st Dec 2017), London Stock Exchange & Bahrain Stock Exchange bank Muscat Growth Footsteps of a Leader Throughout Decades Merger between Bank of Muscat & Bank Al Ahli Al Omani Listed on the MSM in 1993 Establishment of Bank of Muscat Dubai Rep Office Acquisition of the Bahraini operations of ABN AMRO Merger with Commercial Bank of Oman Acquisition of 49% stake in BMI Bank Muscat Capital LLC launched 1 st Branch in Saudi Arabia 1 st Branch in Kuwait Meethaq launched Singapore Rep Office Merger of BMI Bank with Al Salam Bank, Bahrain IFC becomes a 5% shareholder Ownership Others 42.09% Key Financials PASI 4.85% IFC 5.03% Civil Service Pension Fund 5.54% Royal Court Affairs 23.63% Ministry of Defence Pension Fund 6.48% Dubai Financial Group LLC 12.37% In US$ M illions, unless otherwise stated Total Assets 28,959 28,104 32,581 25,268 Gross Loans 22,484 21,483 19,810 18,298 Deposits 19,268 19,369 17,502 16,481 Operating Income 1,132 1, Net Income Tier % 14.75% 13.50% 13.00% Total CAR 18.56% 16.90% 16.10% 15.90% Loans to Deposit Ratio % % 99.40% 96.90% NPL Ratio 2.94% 2.91% 2.80% 2.80% Cost/Income 42.22% 41.83% 41.95% 41.21% ROA 1.61% 1.64% 1.60% 1.80% ROE 11.44% 12.50% 13.00% 12.90% 4 Source: bank muscat audited financial statements and interim financials
5 bank muscat Key Highlights Dominant Franchise in Oman Strong Financial Metrics Most profitable bank in Oman Strong and sustainable profitability metrics: Operating profit CAGR of 6.4% Net profit CAGR of 3.8% Largest Bank in Oman by total assets of 34.58%, as of 31st Oct 2017, 3 times larger than the 2 nd largest Omani Bank Market Capitalisation of USD 2,758 million as at 31st Dec Largest branch network with 157 domestic branches The only bank in Oman to be designated a D SIB Highest Government Ownership Highest Government Ownership among Omani Banks Royal Court Affairs: 23.63% Direct and indirect Government ownership of around 35% through various entities Solid Capital Position Strong capitalization levels offering room for substantial growth CAR of 18.56% as of 31st Dec 2017 Stable Operating Environment Stable banking sector Prudential regulatory environment Stable Asset Quality Conservative lending approach Strong risk architecture and policies Adequate asset quality metrics Management Stable and experienced management with proven track record of successful organic and inorganic growth Good corporate governance 5 Source: bank muscat audited financial statements and interim financials
6 II. Operating Environment
7 Sultanate of Oman Overview Overview 2 nd Largest country in the GCC with an area covering approx thousand km 2, strategically located, sharing borders with Saudi Arabia and UAE Stable Political System, excellent diplomatic relations in the region Oman explicitly aims to create a neo liberal free market economy, where the private sector is the driver of the economy as opposed to the state Population of 4.57mn predominantly represented by Omani Nationals who account for 55% of the total population The economy will continue to grow at high rates driven by several factors, such as: The increase in hydrocarbon production TheGovernment s balancedsupport for theeconomy with disciplined fiscal policy measures Strengthening and growing local demand; increasing services and activities contribution to GDP Vision 2020 focuses on diversification, industrialization and privatization, with the objective of reducing economic reliance on oil revenues and the hydrocarbon sector contribution to GDP GDP Growth (1) Source: Central Bank of Oman website, Rating Reports: Moody s and S&P as of Dec 2017 GDP Composition Saudi Arabia Kuwait Bahrain Qatar UAE Oman Key Indicators (1) Sovereign Ratings Moody's\S&P Baa2/BB Baa2/BB Budget Surplus\Deficit 3.5 Bn (Oct '17) 3.0 Bn Surplus\Deficit % of total revenue 38.0% Est 31.5% US$ Million 100, % 90,000 80, % 70, % 60,000 48, % 50,000 49,792 40,000 50, % 2.9% 38,182 30,000 20,000 37, % 10,000 23,784 18, % 16, Oil GDP in Current Prices (US$Mn) Non Oil GDP in Current Prices (US$Mn) % Change % Change As of Sep30th % 20.0% 10.0% 0.0% 10.0% 20.0% 30.0% Real Estate Services, 4.53% Wholesale & retail trade, 6.85% Public admin. & Defence, 11.37% Other services, 11.24% Financial Int., 5.28% Transport & Comm., 5.22% Const., Elec. & Water supply, 8.81% As of Sep 30th 2017 Petroleum Activities, 27.44% Agri & Fishing, 1.71% Manufacturing & Mining, 17.54% 7 Source: National Center for Statistics and Information, figure as of Sep 2017
8 Oman Banking Sector Overview Overview Loans and Deposit Growth The Omani banking sector comprises of 7 local banks, 2 specialized banks, 9 foreign commercial banks and two full fledged Islamic Banks The top 3 banks after Bank Muscat contribute around 37.5% of total sector assets. bank muscat represents 34.58% of total banking sector assets as of Oct 2017 Conservative and Prudent Regulator A number of regulations and caps in place to support the growth, stability and sustainability of the Omani banking sector Adequate asset quality with relatively low impaired assets and sound capitalization Implementing Basel 3 regulation with effect from Jan 2014 US$ billion Gross Loan: +8.5% Deposits: +6.1% Oman in the GCC banking sector context (1) Asset Quality (2) Assets as a % of GDP % % % % 116% % UAE Saudi Arabia Qatar Kuwait Bahrain Oman Total Assets in $ Bn GDP in $ Bn Assets as a % of GDP 700% 600% 500% 400% 300% 200% 100% 0% Source(1) GDP data is estimated for FY 2017 (Source: World Bank) Source: National Central Banks 2) Central Banks, EIU and Bloomberg data as of Nov 2017 for Oman, Bahrain, & UAE. Oct 2017 for Kuwait, & KSA & Qatar as of Dec Notes: (1) Central Bank websites based on the latest available figures for the GCC banking sectors. US$/ AED: 3.67, US$/ SAR: 3.75, US$/ QAR: 3.64, KD/ US$: 0.304, US$/ BD: 0.37 and OMR/ US$: 0.385
9 bank muscat Unrivalled Leading Market Position in Oman Total Assets US$ million Gross Loans US$ million Deposits US$ million Net Profit US$ million 9 Source: Banks financial Statements. Based on Dec 2017, except for OAB as of Sep Notes: OMR/ US$: 0.385
10 bank muscat Dominant Domestic Franchise in the Region Market Share Assets Assets as % of Total Sector Assets Market Share Deposits Deposits as % of Total Sector Deposits Asset Quality Adequate Capitalization % 5.7% 112.0% 142.0% 1.8% 1.8% 128.9% 120.1% 2.9% 3.1% 287.5% 51.0% 1.4% 1.3% 124.5% Source: GCC Central Banks. Banks financial Statements. (1) Information for all banks as of Dec 2017, except for NCB as of Sep 2017 & BBK as of June % CBQ QNB NCB BM FAB NBK BBK ENBD NPL/GL LLR/NPL 16.5% 21.2% 17.8% 18.5% 18.56% 17.8% 16.1% 250.0% 0.0% 200.0% 16.5% 150.0% Total Capital Adequacy Ratio Key: Qatar National Bank QNB, bank muscat BM, National Bank of Kuwait NBK, National Commercial Bank NCB, Emirates NBD ENBD, National Bank of Abu Dhabi NBAD, Bank of Bahrain and Kuwait BBK 350.0% 300.0% 100.0% 50.0% 2.4% 18.8% 1.1% 2.1% 1.69% 2.0% 1.8% 16.7% 16.4% 16.87% 15.8% 14.3% 18.1% 1.1% 17.0% 0.0% QNB ENBD FAB NCB BM NBK CBQ BBK Tier 1 Tier 2
11 III. bank muscat Business Overview
12 bank muscat Strategy Key Pillars Consolidate Leading Position in Oman Financial strength Leverage on technology and infrastructure investments Regional Expansion Focus on Islamic Banking Developments in Oman Capitalize on growth opportunities in Oman Infrastructure development projects and Government focus on economic diversification and developing tourism Omanis entering the workforce; over 45% of the population is less than 19 years old Leverage large network of branches and other delivery channels Platform to focus on the growth potential Cross sell opportunities among business lines and customer segments Continue to focus on customer acquisitions and retention Focus on fee based income Scale up fee driven businesses both in the wholesale banking (transaction banking, investment banking, treasury) and personal banking (credit card, bancassurance, private banking) Further enhance financial strength Strong capitalization and stable returns Further enhance the diversified funding mix and large CASA deposit base. Efficient management of operating costs Pioneering investments in technology supporting growth plans Multiple digital banking channels for sales and services Technology driven banking to enhance customer experience and improve internal efficiency Customer Convenience and Service Quality Innovative products and services offering Customer centric approach through We Can Do More philosophy Strengthen regional presence through focused and controlled expansion in GCC Leverage existing regional presence to scale up business growth Focus on opportunities for controlled expansion in GCC and the region Meethaq Islamic banking platform Be the market leader in Islamic Banking Business Endeavor to offer full fledged products and services Expansion of branch and channel network 12
13 bank muscat Business Lines Key Highlights Asset Contribution Profit Contribution Deposits Wholesale Banking (1) Corporate Banking Leading Corporate Bank Franchise offering the full array of corporate banking services c. 3,550 corporate customers in Oman Strong expertise in project finance US$ 10.7bn 36.3% of total assets US$208.6mn 43.5% of total profit Individual & Others 43% Ministries & Other Gov Orginisations 22% Global Institutions, Investment Banking & Treasury Comprise of treasury, corporate finance, and asset management Financial Institutions US$ 5.9bn 20.2% of total assets US$ 117.3mn 24.5% of total profit Financial Institutions 3% Private Commercial 33% Personal Banking Leading Retail Bank platform in Oman Over 1.80 million retail customers in Oman Largest distribution network US$ 8.0bn 27.4% of total assets US$172mn 35.9% of total profit Loans & Advances Meethaq Islamic Banking OMR 50mn (c.us$130mn) capital assigned to this business Officially launched in January Currently operating through 17 full fledged Islamic branches. US$ 3.1bn 10.5% of total assets US$ 21.4mn 4.5% of total profit Personal and Housing loans 41% Services 10% Mining and quarrying 5% Manufacture 6% Real estate 4% Wholesale and retail trade 2% Import trade5% International Operations Presence in GCC, Iran and Singapore through overseas branches, rep offices and subsidiary US$ 1.6bn 5.6% of total assets US$ (39.8)mn 8.4% of total profit Government 0% Others 1% Export trade 0% Agriculture and Construction 4% allied activities 0% Financial institutions 5% Utilities 6% Transport 9% (1) Definition of Wholesale Banking has changed since 1 st January Source: bank muscat unaudited financial statements as of Dec 2017
14 Wholesale Banking Overview Opportunities Strategy Leading Corporate Banking Franchise Extensive and expanding range of products and services Strong project finance capabilities Large corporate client portfolio with c.6,200 customers and lead bank for top tier Omani corporate entities High level of sophistication differentiated through technology led investments Commitment to maintain strong control over asset quality Corporate Banking Large number of infrastructure/ Industrial projects in the pipeline Privatisation and diversification drive by Government Increasing business flows between Oman and regional countries Leverage on leading position and expertise Reinforce presence in Oman across all segments in the value chain Benefit from large infrastructure and industrial projects in Oman Focus fee income generating business Transaction banking business to enhance fee income Explore cross sell opportunities among business lines Utilize presence in regional markets Grow GCC trade flows share Corporate Loans Peer Comparison Asset Growth Operating Income US$ billion US$ million US$ million BankMuscat Bank Dhofar NBO Bank Sohar HSBC Oman Source: bank muscat audited financial statements as of Dec 2017, except for OAB as of Sep2017. Ahli Bank Oman Arab Bank
15 Wholesale Banking Global Institutions, Investment Banking & Treasury Overview Opportunities Strategy Treasury: funding, asset and liability management requirements, offer structured solutions to corporate clients Corporate Finance: Leader in corporate advisory: series of successful transactions and track record outside Oman Financial Institutions: trade, DCM and correspondent banking services Asset Management: Largest Omani mutual fund manager with potential for growth and expanding outside Oman. Investment solutions for high net worth individuals Significant cross sell opportunities to other wholesale banking clients Leverage transaction experience in attracting new corporate finance mandates Leverage regional expansion to introduce new products Strong growth potential in the high net worth market segment Strengthen Bank Muscat s leading position in specialised areas Utilize the presence in regional markets to expand business Leverage specialised product expertise in other markets Leverage on expertise built to further grow the market share and increase the market potential Securities portfolio (1) Asset Growth Operating Income US$ million US$ million (1)Securities portfolio represents Bonds & T Bills. (2) Others include Baa1 to Baa3 securities and unrated Banks. Data as of Dec Source: bank muscat audited financial statements as of Dec 2017.
16 Personal Banking Overview Opportunities Strategy Leading Personal Banking Franchise in Oman Over 1.80 million customers Front runner across retail banking segments including cards, bancassurance and remittances Largest delivery channel network in Oman (157 branches, 434 ATMs, 233 CDMs and the best online platform in Oman) Substantial low cost retail deposit base Merchant acquiring market share of over 80% by volume as of Sep 2017 and leading ecommerce business in Oman Government spending resulting in job creation Increase in salaries through various government initiatives Favorable demographics Over 45% of the population less than 19 years old Housing finance Leveraging on leading presence in the retail segment Increase penetration and cross sell Explore new business and product lines Technology led product development and service offerings Enhance process efficiency and customer convenience Focus on development and utilization of e delivery channels Personal Loans Peer Comparison Asset Growth Operating Income 9.26 US$ billion US$ million US$ million BankMuscat Bank Dhofar NBO Ahli Bank Oman Arab Bank Bank Sohar HSBC Oman 16 Source: bank muscat audited financial statements as of Dec 2017, except OAB as of Sep 2017.
17 Meethaq Islamic Banking Overview Opportunities Strategy One of the most successful Islamic banking operation in Oman since dedicated branches become operative throughout the Sultanate Innovation in product offering and services to create niche Established Sharia Board comprising of experienced and reputable Sharia scholars Growth momentum continued in the second year of launch indicating potential in the market Shari a governance structure ensures transparent banking Large network at disposal to leverage business Awareness drives on Shari a compliant banking to increase customer base To be the market leader by far Full fledged product and service offerings Increase Meethaq exclusive branch network to an optimum level Customer Centric approach and transparency Technology driven customer service delivery within the Shari a compliance ambit Financing Portfolio Meethaq Products Launched in Loans (USD) 3,000 2,500 2,000 1,727 2,221 2,566 Consumer Personal goods finance Travel finance 1,500 1, , Investment & Treasury Sukuk issue and advisory 17 Source: bank muscat audited financial statements as of Dec 2017.
18 International Operations Overview Opportunities Strategy Presence in GCC and Singapore Branches in Saudi Arabia and Kuwait Rep offices in UAE, Iran and Singapore 99.99% stake in Muscat Capital LLC Saudi based, CMA licensed entity Large banking markets in Saudi Arabia and Kuwait Pan GCC network offering opportunities for business and trade synergies Increasing trade/business opportunities between GCC and Asia Efficiency: rationalization of back office costs sharing of operational costs Received all regulatory approvals to proceed with representative office (non transactional) in Iran Focus on existing GCC operations Solidify position and increase profitability Drive synergies within the group Scale up business volumes to attain desired return Capture trade / business flows between GCC and Asia US$ million Assets US$ million Operating Income 18 Source: bank muscat audited financial statements as of Dec 2017.
19 IV. Financial Performance
20 Operating Performance and Profitability Overview Resilient operating performance Solid top line income growth 5 year CAGR of 6.4% Stable cost to income ratio in spite of business and infrastructure expansion Solid profitability Stable Return on assets Strong core revenue generation with net interest income and commission and fees contributing to over 86% of total operating income Increasing focus on top line commission and fee income generation Net Interest Margins 5.00% 4.50% 4.00% 3.50% 2.89% 2.73% 3.00% 2.63% 2.49% 2.50% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% Yield % 4.35% 4.03% 3.85% 3.89% 4.14% Cost % 1.46% 1.30% 1.22% 1.40% 1.64% Spread % 2.89% 2.73% 2.63% 2.49% 2.50% Yield % Cost % Spread % Operating Income & Cost to Income Profitability 80% 70% 60% 50% 40% 30% 20% 10% 0% 69% 64% 64% 66% 65% 42.2% 41.2% 42.0% 41.8% 42.2% 24% 25% 25% 23% 21% 12% 11% 11% 14% 7% Net Interest Income Net Commission & fees Other Income Cost to income ratio (1) Other income: FX Income, Profit on sale of non trading investments, Dividend income and other income 20 Source: bank muscat audited financial statements as of Dec 2017.
21 Asset Quality Overview Stable loan book growth Conservative lending approach Focus on high quality assets with access to top tier borrowers Strong project finance capabilities Diversified loan portfolio across sectors Adequate provisioning of impaired asset Conservative approach provisioning in line with the higher of either IFRS or CBO requirements Non specific loan loss provisions of 2% on retail portfolio and 1% on corporate portfolio 10,000 9,000 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1,000 Loan Growth 2.94% 2.91% 2.75% 2.84% 2.65% Gross loans NPL% Gross Loans Sector Breakup Impaired Assets and Provisioning Agri./allied activities Government 0.4% 0.3% Export trade 0.2% Wholesale/Retail Others 0.9% trade 2.3% Personal and Housing Construction 3.4% loans 41.2% Real estate 4.4% Import trade 5.1% Mining and quarrying 5.3% Utilities 5.4% Financial institutions 5.7% Manufacture 5.9% Transport 9.4% Services 10.1% 21 Source: bank muscat audited financial statements as of Dec 2017.
22 Funding and Liquidity Overview Funding Mix Stable funding structure with a diversified funding base Largest deposit base in Oman with significant granularity Retail deposits comprise 40% of total deposits Top 20 depositors represent 27% of total deposits and comprise of top tier Omani institutions Strong capitalization levels Highest CAR among Omani peers and one of strongest among GCC peers Adequately capitalised, with total capital ratio at 18.56% and Tier 1 at 16.87%, above the 13.65% and 10.65% ratio required by the CBO Liquid Assets Capital Adequacy Ratio RO million 16.42% 15.92% 16.10% 16.90% 18.56% 22 Source: bank muscat audited financial statements as of Dec 2017.
23 شكرا لكم Subject: Thank You Department:
24 VII. Annexure
25 Balance Sheet Amounts in USD 31 Dec Dec Dec Dec Dec 13 Cash and bal. with Central Bank 2,428 2,705 6,265 2,589 1,512 Due from banks 1,538 1,368 2,577 2,283 2,252 Loans and Advances 19,113 18,447 17,391 16,586 15,230 Islamic financing receivables 2,520 2,221 1,649 1, Non trading investments 2,668 2,748 3,943 1,924 1,460 Tangible fixed assets Other assets (incl. invt in associates) Total assets 28,959 28,104 32,581 25,268 22,043 Bank deposits/frns /Bonds 3,478 3,157 7,926 2,802 2,303 Customer deposits (incl. CDs) 16,778 17,389 17,502 16,481 14,545 Islamic Customer's Deposit 2,493 1,982 1, Other liabilities 1, ,030 1,056 1,042 Subordinated debt Convertible bonds Total liabilities 24,236 24,086 28,954 21,860 18,894 Share capital and premium 2,027 1,911 1,802 1,775 1,733 Total reserves 1,266 1,162 1,057 1, Retained profits 1, Shareholders' equity 4,385 4,018 3,627 3,408 3,149 Perpetual Tier I Capital 338 Total liabilities + shareholders' equity 28,959 28,104 32,581 25,268 22,043 Key ratios Loans and advances/customer deposits % % 99.36% % % Shareholders' equity/total assets 15.14% 14.30% 11.13% 14.28% 13.35% Subordinated debt/(debt + equity) 6.71% 9.66% 14.69% 16.92% 19.74% BIS total capital ratio 18.56% 16.90% 16.10% 16.50% 15.10% 25 Source: bank muscat audited financial statements as of Dec 2017
26 Profit and Loss Amounts in USD 31 Dec Dec Dec Dec Dec 13 Net interest income Net income from Islamic financing Other operating income Operating income 1, , , Operating costs (478.1) (452.1) (444) (410) (373) Recoveries from impairments Credit loss impairments (164) (183) (187) (168) (131) Other impairments (65) (12) (13) (4) (12) Gain/(loss) from associates Profit before Tax Taxation (89) (72) (57) (60) (59) Net Profit Key ratios Cost/income ratio 42.22% 41.83% 41.95% 41.21% 42.24% Return on average assets 1.61% 1.64% 1.72% 1.79% 1.86% Return on average equity 11.44% 12.50% 13.68% 13.89% 14.49% Basic EPS (US$) Share price (US$) Source: bank muscat audited financial statements as of Dec 2017
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