Investor Presentation Q ahlibank.com.qa
|
|
- Johnathan Page
- 5 years ago
- Views:
Transcription
1 Investor Presentation Q ahlibank.com.qa
2 Overview ABQ Founded in 1983 Shareholding Structure Qatar Foundation (Qatar Investment Authority QIA) 29.41% Listed on the Qatar Exchange with a market cap of c.qar 6.8 billion Strategic Partner of the Qatar Foundation 47% owned by Qatar Holding and Qatar Foundation Strong market position, focused in Qatar: World s fastest growing economy (IMF) Best regulated banking sector in the Middle East, according to the World Bank 15 branches and 67 ATMs, all in Qatar Moody s A2/Prime I deposit rating, Fitch A Long Term IDR IFRS and Basel III environment 15.0% Basel III Capital Adequacy Ratio (CAR) 88% of funding coming from stable sources of funding: Qualifying Deposits (70%) Longterm wholesale funding (18%) Liquid assets 22% of total assets, covering more than 2.4x shortterm funding needs Effective risk management and high quality loan book as proven by low nonearning assets Qatar Holding Co (Qatar Investment Authority QIA) 17.65% Others 52.94% Key Indicators (QR million) Sep 2016 Sep 2017 Total Assets 35,298 38,205 Total Loans 25,370 29,008 Total Eligible Loan Funding 27,381 29,067 Total Equity 4,763 5,183 Capital Adequacy Ratio (Basel III) 14.7% 15.0% Declining NPL ratio (0.98%) and conservatively provisioned (131%) 28.6% cost income ratio and a ROAE above industry average Cost Income Ratio 30.2% 28.6% 2
3 ABQ has been at the heart of the community for over 30 years 1983 Incorporated as part of CITI Group 1987 ABQ starts operating as a standalone entity 2004 Ahli United Bank (AUB) acquires a 40% stake through issue of new shares with a ten year Management Agreement 2008 Qatar Investment Authority announces a 20% equity injection in listed Qatari banks based on December 2008 share capital 2011 Ahli Bank launched Ahli Brokerage Company as a fully owned Brokerage House licensed by Qatar Exchange % Rights issue to Qatari Shareholders raising the bank s capital by QAR 448m 2013 Qatar Foundation for Education, Science and Community Development acquired 29.4% stake in Ahlibank from AUB 2013 New Strategic Plan approved by the Board 2013 New Organization Structure in place to focus on business banking and to strengthen corporate governance 2014 New brand reflecting the identity of the bank: at the heart of the community 2014 Debut Syndicated 3 years terms facility of US$ 200m 2015 Completed redesigning of 6 branches, enhancing customer experience 2015 Strengthened stable funding profile through additional medium term loans US$ 200m 2016 Awarded debut Moody s Rating A2/Prime1 deposit ratings 2016 Debut Bond Issue of US$ 500m to the international debt capital market EMTN Tranche I 2016 New 3year USD 195 Million club loan facility 2017 Bond issue of US$ 500m to the international debt capital market EMTN Tranche II 2017 Increased 3year committed bank funding to USD 250 Million and extended maturity up to 2020 Qatar Foundation Strategic Partner (2013) QIA becomes a shareholder (2008) Incorporated in 1983 at the heart of the community 3
4 At the heart of the community Corporate Social Responsibility Our brand identity is a modern interpretation of a potent symbol from Qatar s past, the oyster shell. The shell protects and nurtures its treasure, growing it over time, just as we seek to grow and protect our customers assets. We ask, we listen, and we act on what we learn. We respond by producing products that genuinely meet the needs of our community. We are who we are because of our community. And that s why we go further for our customers and our stakeholders. Inspired Considered We will always stay actively involved with our community. We aim to be a sensitive bank: knowledgeable, experienced, and insightful. We offer what our customers tell us they need most: reliable and effective products and advice they can trust. Engaged We are always straightforward, approachable, and responsive. We are an active part of the community. We never forget that our customers are also our neighbours. Corporate Social Responsibility The Qatar Society for Rehabilitation of Special Needs 4
5 Shareholding Structure Percentages Aligned shareholders 53% of shareholders are Qatari firms and individuals Public entities own the remaining 47% of the shares Qatar Foundation became ABQ s strategic partners in 2013 with the acquisition of a 29.4% stake of the bank s capital from AUB Qatar Holding has maintained a c.18% stake Name Number of Shares % Qatari firms & individuals and Others (No shareholder owns more than 3% of the Bank capital) 106,057, % Qatar Foundation for Education, Science and Community Development (Subsidiary of Qatar Investment Authority) 58,930, % Qatar Holding Company (Subsidiary of Qatar Investment Authority) 35,354, % Total September ,343, % 5
6 Business Lines Corporate SMEs Ahli Brokerage Corporate Cash Management Retail Proprietary Investment Treasury and Investments Retail Premium Private International Banking Financial Institutions 6
7 Business Line Contribution Total Average Assets Sep 2017 Total Average Liabilities Sep 2017 Treasury & Investments 25.4% Treasury & Corporate Investments 27.3% 46.9% Retail 16.0% Corporate 58.6% Retail 25.8% Net Profit 9M 2017 Treasury & Investments 38.2% Corporate 45.4% Retail 16.4% 7
8 Strong Performance QR million QR million % % 9% M M M M M M M M M M M M 2017 Net Profit Operating Income 8
9 Noninterest Income QR million QR million % % M M M M M M M M M M M M 2017 Net Fee & Commissions Non Interest Income 9
10 Managing Efficiency 50% Cost Income Ratio Cost to Income Ratio (%) M 2017 Rayan % QIIB % 35% 30% 25% 30% 25% 31% 27% 29% 31% 32% 30% 29% 31% 29% QIB ABQ Khaliji % QNB % DB % CBQ % 0% Sep17 Asset per Employee QR million Profit per Employee QR Asset per employee Sep Headcount ,600 1,400 1,200 1, Profit per employee Sep , ,060 1,076 1,132 1,298 1,398 1,446 1,423 1,607 Headcount
11 Steady Balance Sheet Growth QR million Assets QR million Loans & Advances 45,000 14% 35,000 40,000 38,165 38,205 17% 20% 30,000 35,000 26,861 31,380 32,299 24,045 30,000 25,000 26,177 21,308 29,008 25,000 20,606 20,000 17,312 20,000 15,000 14,014 15,000 10,000 10,000 5,000 5, Sep Sep17 QR million Deposits QR million Equity 30,000 25,000 20,000 15,000 13,953 18,891 11% 19,893 20,384 25,011 22,616 6,000 5,000 4,000 3,000 3,442 3,563 4,171 9% 4,540 4,860 5,183 10,000 2,000 5,000 1, Sep Sep17 11
12 Market Positioning Cost to Income Ratio (%) M 2017 Rayan QIIB QIB ABQ Khaliji QNB DB CBQ Return on Assets (%) M 2017 Rayan QIIB ABQ QNB QIB DB Khaliji CBQ Return on Equity (%) M 2017 QNB Rayan QIIB QIB ABQ DB Khaliji CBQ NIM (%) M 2017 QIB QNB QIIB Rayan DB ABQ CBQ Khaliji
13 QR million Asset Quality 30,000 28, , ,000 22, ,000 18, , ,000 12, ,000 8, , , , Sep17 NPL/Total Loans (%) Total Loans (Gross) 1,805 3,826 6,440 10,246 11,694 12,616 11,654 12,521 14,410 17,628 21,663 24,425 27,198 29,386 Standard Loans 1,402 3,467 6,276 10,092 11,535 12,382 11,312 12,152 13,953 17,376 21,404 24,123 26,974 29,097 Substandard Loans (NPL)
14 Loan Provision Coverage 160% 150.6% 140% 125.0% 136.9% 126.0% 131.1% 120% 100% 89.5% 93.3% 89.0% 90.9% 92.4% 89.0% 92.2% 99.4% 86.7% 80% 60% 40% 20% 0% Sep17 QR million Sep17 NPL Provisions
15 QR million % Capital Adequacy Ratio 5, ,500 4,000 3,500 3,000 2,500 2, Tier I Tier II CAR (%) , , Sep17 Tier II Tier I 1,065 1,128 1,442 1,531 2,283 2,758 3,152 3,923 4,268 4,669 4,664 CAR (%)
16 Diversified Funding Mix Debut Syndicated Bank Facilities (Sep 2014) 3year US$ 200m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 120 basis points over LIBOR Syndication was launched in an initial amount of US$ 100,000,000 and closed significantly oversubscribed Debut Fundraising in International Debt Capital Markets 5year US$ 500m EMTN tranche I was issued in Apr 2016 for general corporate funding purposes carrying a coupon rate of 3.625%. It was 2.4 times oversubscribed by more than 100 leading institutions against the backdrop of challenging and turbulent financial markets and volatile oil prices. 5 year US$ 500m EMTN tranche II was issued in Feb 2017 at a coupon rate of 3.50% and was 4 times oversubscribed despite challenging financial markets and increased market supply. Over 170 leading institutions from Middle East, Asia and Europe participated in the fundraising Description Principal (QR million) Maturity Tenor Subordinated Debt (Tier 2) US$ Dec years Term Loan Facility (US$) Oct years Term Loan Facility (US$) 91.0 Dec years Lengthening Maturity Profile In October 2014 we raised additional longterm funding in a 5year QAR 750m Syndicated Term Loan Facility for general corporate funding purposes carrying a margin of 180 basis points over LIBOR The remaining longterm wholesale funding is a legacy Tier 2 Subordinated debt instrument issued in We plan to hold it until maturity With the new facilities, we have significantly improved our funding profile, positioning ourselves in line with most peers, and demonstrated our ability to access capital markets In 2015, we strengthened our stable funding with additional medium term loans In 2016, we successfully completed a US$ 500m debut fundraising in the international debt capital markets, which further improved the stability of our funding structure. In addition, we successfully raised a new 3 year US$ 195m club loan facility In February 2017, we successfully completed EMTN Tranche II of US$ 500m 21% 18% 15% 19.1% Long Term Debt/Loan % to Total Liabilities Sep % Term Loan Facility (US$) Sep years 12% 10.4% Term Loan Facility (QAR) amortising Oct years Term Loan Facility (US$) Jun years 9% 6% 7.9% 7.5% 7.2% 5.8% EMTN Tranche I (US$) 1,820.0 Apr years 3% EMTN Tranche II (US$) 1,820.0 Feb years Total 6, % CBQ ABQ Khaliji DB QIB QNB QIIB 16
17 Banking Partners Footprint Who do we principally work with? GCC Countries UAE Banks KSA Bahrain Oman Kuwait 17
18 ahlibank.com.qa Disclaimer: The description in this Investor Relations Presentation is provided for information purposes only and is not intended to advise any person to invest in the Bank or to induce or attempt to induce any person or entity to invest in any particular bank product. The information and opinions contained herein are provided for personal use and informational purposes only and are subject to change without notice.
Investor Presentation Q ahlibank.com.qa
Investor Presentation Q1 2018 ahlibank.com.qa Overview ABQ Founded in 1983 Listed on the Qatar Exchange with a market cap of c.qar 6.6 billion 48% owned by Qatar Investment Authority (directly and through
More informationTHE COMMERCIAL BANK OF QATAR
THE COMMERCIAL BANK OF QATAR Financial Results For the full year ended 31 December 2014 3 rd March 2015 Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking
More informationInvestor Relations Presentation December 2012
Investor Relations Presentation December 2012 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MENA 3. Financial Highlights December 2012 4. Economic Overview 2 QNB at a Glance QNB
More informationInvestor Presentation. April 2017
Investor Presentation April 2017 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately
More informationInvestor Presentation February 2017
Investor Presentation February 2017 Overview of Doha Bank Key highlights Strong international footprint Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with
More informationInvestor Presentation. July 2017
Investor Presentation July 2017 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately
More informationInvestor Presentation. October 2017
Investor Presentation October 2017 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately
More informationInvestor Presentation. June 2018
Investor Presentation June 2018 Contents Bank Muscat Introduction Operating environment Bank Muscat business - Overview Financial Performance Annexure Note: The financial information is updated as of 30
More informationInvestor Relations Presentation December 2013
Investor Relations Presentation December 2013 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MENA 3. Financial Highlights as at 31 December 2013 4. Economic Overview Notes: These
More informationCOMMERCIAL BANK OF QATAR
COMMERCIAL BANK OF QATAR Financial Results For the Quarter ended 31 March 2013 18 April 2013 Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements
More informationInvestor Presentation. July 2018
Investor Presentation July 2018 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately
More informationInvestor Presentation. Sep 2018
Investor Presentation Sep 2018 Contents Bank Muscat Introduction Operating environment Bank Muscat business - Overview Financial Performance Annexure Note: The financial information is updated as of 30
More informationInvestor Relations Presentation April 2012
Investor Relations Presentation April 2012 Contents 1. QNB at a Glance 2. Qatar Banking Sector 3. Financial Highlights March 2012 4. Economic Overview 2 QNB at a Glance QNB at a Glance: Overview Overview
More informationQNB Investor Relations Presentation June 2011
QNB Investor Relations Presentation June 211 Forward Looking Statement This presentation and subsequent discussion may contain certain forward-looking statements with respect to the financial condition,
More informationInvestor Presentation. February 2018
Investor Presentation February 2018 Overview of Doha Bank Key highlights Incorporated in 1979, Doha Bank is the third largest local conventional bank by assets in Qatar with a market share of approximately
More informationInvestor Presentation. March 2018
Investor Presentation March 2018 Contents Bank Muscat Introduction Operating environment Bank Muscat business - Overview Financial Performance Annexure Note: The financial information is updated as of
More informationQatar Islamic Bank (Q.P.S.C.) Investor Presentation December 2017
Qatar Islamic Bank (Q.P.S.C.) Investor Presentation December 2017 Agenda 1 Introduction 2 Operating Environment 3 QIB Business Review 4 QIB Financial Overview 5 Appendix Qatar Islamic Bank Page 2 Introduction
More informationTHE COMMERCIAL BANK (P.S.Q.C.)
THE COMMERCIAL BANK (P.S.Q.C.) Financial Results For the full year ended 31 December 2017 Forward Looking Statements This presentation and subsequent discussion may contain certain forward-looking statements
More informationQatar BUY. Qatar National Bank. Investment Update. Investment Summary. CMP: QR109.0 (as of May 12, 2009) Global Research - Qatar.
Investment Update Qatar Tickers: QNBK.QA (Reuters) QNBK QD (Bloomberg) Listing: Doha Securities Market CMP: QR109.0 (as of May 12, 2009) Investment Summary Qatar National May, 2009 BUY The liquidity infusing
More informationQatar Islamic Bank (Q.P.S.C.) Investor Presentation June 2018
Qatar Islamic Bank (Q.P.S.C.) Investor Presentation June 2018 Agenda 1 Introduction 2 Operating Environment 3 QIB Business Review 4 QIB Financial Overview 5 Appendix Qatar Islamic Bank Page 2 Introduction
More informationCommercial Bank of Qatar
NEWS RELEASE Commercial Bank of Qatar Financial Results for the year ended 31 December 2012 Commercialbank delivers full year record net profit of QAR 2.012 billion Fourth quarter net profit rises 19%
More informationInvestor Presentation. September 2014
Investor Presentation September 2014 Contents I. UNB Introduction 1 II. UAE Economy and Banking Industry 3 III. UNB Business Overview 5 IV. Financial Highlights and Performance 10 V. Awards and Certifications
More informationInvestor Relations Presentation September 2017
Investor Relations Presentation September 2017 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 30 September 2017 4. Economic Overview Notes: All figures
More informationAlternatif Bank. International Financial Institutions, June 2018
Alternatif Bank International Financial Institutions, June 2018 Contents 1. Turkish Macroeconomy and Regulatory Environment 2. Alternatif Bank Overview 3. Ownership 4. Business Strategy 5. Financial Overview
More informationInvestor Relations Presentation December 2017
Investor Relations Presentation December 2017 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 31 December 2017 4. Economic Overview Notes: All figures
More informationThe Commercial Bank (P.S.Q.C.) Announces. Net profit of QAR Million for the Full Year Ended 31 December 2016
The Commercial Bank (P.S.Q.C.) Announces Net profit of QAR 501.4 Million for the Full Year Ended 31 December 2016 21 Feb 2017, Doha, Qatar: The Commercial Bank (P.S.Q.C.) ( the Bank ), its subsidiaries
More informationEarnings Presentation
Earnings Presentation BRSA Bank-Only 1Q 2017 May 10, 2017 VakıfBank IR App. Available at Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17
More informationInvestor. Subject: Presentation. Department: December 2017
Investor Subject: Presentation Department: December 2017 Agenda I. bank muscat introduction 4 II. Operating Environment 7 III. bank muscat Business Overview 12 IV. Financial Performance 20 V. Annexure
More informationInvestor Relations Presentation December 2016
Investor Relations Presentation December 2016 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 31 December 2016 4. Economic Overview Notes: All figures
More informationQ1 11 Investor presentation May 2011
AbuDhabi Commercial Bank PJSC Q1 11 Investor presentation May 2011 1 Disclaimer This document has been prepared by Abu Dhabi Commercial Bank PJSC ( ADCB ) for information purposes only. The information,
More informationInvestor Relations Presentation. February 2012
Investor Relations Presentation February 2012 I. QNB At a Glance P. 3 II. QNB Operating Environment P. 7 III. QNB Financial Results IV. Qatar s Economy P. 14 P. 25 QNB at a Glance: Overview Overview Credit
More informationAnalyst Day November 2018
Analyst Day 2018 12 November 2018 Vision and five year plan Joseph Abraham Group Chief Executive Officer Mr. Abraham has been the Chief Executive Officer of Commercial Bank since July 4th 2016 and has
More informationAhli United Bank B.S.C. Pillar III Disclosures - Basel III. 30 June 2018
] Six month ended (Unaudited) Table 1 Capital structure. 2 Table 2 Gross credit risk exposures.. 3 Table 3 Risk weighted exposures. 4 Table 4 Geographic distribution of gross credit exposures 5 Table 5
More informationInvestor Relations Presentation December 2018
Investor Relations Presentation December 2018 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 31 December 2018 4. Economic Overview Notes: All figures
More informationInvestor Relations Presentation June 2018
Investor Relations Presentation June 2018 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 30 June 2018 4. Economic Overview Notes: All figures in
More informationThe Commercial Bank (P.S.Q.C.) Announces. Net Profit of QAR 604 Million for the Full Year Ended 31 December 2017
The Commercial Bank (P.S.Q.C.) Announces Net Profit of QAR 604 Million for the Full Year Ended 31 December 2017 29 January 2018, Doha, Qatar: The Commercial Bank (P.S.Q.C.) ( the Bank ), its subsidiaries
More informationBanking. Global Research. Qatar. Qatar Banking Sector. Growth, Value, Quality!
Global Research Banking Qatar Qatar Banking Sector Growth, Value, Quality! April 2008 KSCC Banking Research Souk Al-Safat Bldg., 2nd Floor P.O. Box 28807 Safat 13149 Kuwait Tel: (965) 240 0551 Fax: (965)
More informationInvestor Relations Presentation June 2017
Investor Relations Presentation June 2017 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MEA 3. Financial Highlights as at 30 June 2017 4. Economic Overview Notes: All figures in
More informationFIRST GULF BANK Q3/9M 13 EARNINGS PRESENTATION
FIRST GULF BANK Q3/9M 13 EARNINGS PRESENTATION DISCLAIMER This presentation provides information in summary form only and is not intended to be complete. It is not intended to be relied upon as advice
More informationEmirates NBD Investor Presentation. May/June 2016
Emirates NBD Investor Presentation May/June 2016 2 Important Information Disclaimer The material in this presentation is general background information about the activities of Emirates NBD Bank PJSC (Emirates
More informationQatar National Bank (QNB)
Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15 Jan-16 Feb-16 Global Research Investment Update Equity Qatar Banking Sector 15 February, 2016 (QNB) Market Data Bloomberg Code:
More informationInvestor. Subject: Presentation. Department: December 2017
Investor Subject: Presentation Department: December 2017 Agenda I. bank muscat introduction 4 II. Operating Environment 7 III. bank muscat Business Overview 12 IV. Financial Performance 20 V. Annexure
More informationUnited Overseas Bank Limited
United Overseas Bank Limited July 2007 This material that follows is a presentation of general background information about United Overseas Bank Limited s ( UOB or the Bank ) activities current at the
More informationInvestor Relations Presentation September 2014
Investor Relations Presentation September 2014 Contents 1. QNB at a Glance 2. QNB Comparative Positioning Qatar and MENA 3. Financial Highlights as at 30 September 2014 4. Economic Overview Notes: These
More informationQatar Banking. Qatar Banks - Result Update 3Q11. Global Research Sector - Banking Equities - Qatar December 7, 2011
Qatar Banking Global Research Sector - Banking Equities - Qatar December 7, 2011 Qatar Banks - Result Update 3Q11 Profitability jumps by 17%YoY and 3% QoQ in 3Q11 Top-line grows on account of volume growth
More informationPRESENTATION INTERNATIONAL FINANCIAL INSTITUTIONS SEPTEMBER Nov Version
PRESENTATION INTERNATIONAL FINANCIAL INSTITUTIONS SEPTEMBER 2017 21 Nov. 2017 Version Contents 01 02 03 04 05 06 Section 1 ABank Overview Section 2 Ownership Section 3 Business Strategy Section 4 Financial
More informationMashreq Bank. YE 2016 Results
Mashreq Bank YE 2016 Results 2 Disclaimer The material in this presentation is general background information about MashreqBank s activities current at the date of the presentation. It does not constitute
More informationPerformance Highlights - 31 Dec 2016
Performance Highlights - 31 Dec 2016 Investor Relations Conference Call February 28 th, 2017 Speakers: Mr. Aameer Karachiwalla - Chief Financial Officer Mr. Arif Saifie, CFA - Financial Controller and
More informationInvestor Presentation
Investor Presentation 2017 Contents 1. Overview of Masraf Al Rayan 2. Key Financial Highlights 2.1 Profitability 2.2 Balance Sheet 2.3 Asset Quality 2.4 Capitalisation 3. Overview of Qatar 4. Key Contacts
More informationCEEMEA Credit. Credit Strategy. Qatari Banks: As Withdrawals Peak, Attractive Entry Points Arise OVERVIEW. TRIEU PHAM Associate.
Credit Strategy TRIEU PHAM Associate This publication should not be v iewed as a personal recommendation within the meaning of the Financial Conduct Authority rules. CEEMEA Credit CEEMEA T: +44 (0)20 7577
More informationNational Bank of Oman SAOG
Inspired by the proud heritage, driven by our promising future National Bank of Oman SAOG Investor Presentation June 2017 AGENDA 01 03 About NBO Business Overview 05 Market Context 02 Vision 04 Financial
More informationInvestor Relations Presentation Q3 2017
Investor Relations Presentation Q3 2017 Table of Content 1 KSA Fact Sheet 3 2 Saudi Arabia 2030 Vision 4 3 Al Rajhi at a Glance 5 4 Recent International Recognition 6 5 Al Rajhi 2020 Strategy 7 6 Al Rajhi
More informationInvestor Presentation DBS Group Holdings Ltd November 2017
Investor Presentation DBS Group Holdings Ltd November 2017 Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed
More informationUnited Arab Emirates Monetary, Banking & Financial Markets Developments nd Quarter Report July 2018
United Arab Emirates Monetary, Banking & Financial Markets Developments 2018 2 nd Quarter Report July 2018 Introduction As part of its commitment to promote economic and financial stability and growth
More informationQatar Banks Challenging times ahead
SICO Research Sector Report ovember 23, 2016 Chiradeep Ghosh, CFA +973 1751 5000 ext 5058 Chiradeep.Ghosh@sicobahrain.com www.sicobahrain.com Qatar Challenging times ahead Headwinds from weak liquidity
More informationEarnings Presentation
Earnings Presentation BRSA Bank-Only 1H 2017 August 9, 2017 VakıfBank IR App. Available at 1H17 Macro Highlights GDP Growth 10.0 8.0 6.0 4.0 2.0 0.0-2.0 14.00 13.00 12.00 11.00 10.00 9.00 8.00 7.00 Monetary
More informationAbu Dhabi Commercial Bank PJSC Earnings presentation
Abu Dhabi Commercial Bank PJSC 2017 Earnings presentation January 2018 Disclaimer THIS PRESENTATION IS NOT AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AS AN INVESTOR
More informationSamba Bank Limited RATING REPORT. RATING DETAILS Latest Rating Previous Rating COMPANY INFORMATION
Rating Report RATING REPORT Samba Bank Limited REPORT DATE: June 28, 2016 RATING ANALYSTS: Muniba Khan muniba.khan@jcrvis.com.pk Narendar Shankar Lal narendar.shankar@jcrvis.com.pk RATING DETAILS Latest
More informationFGB Investor Presentation
FGB Investor Presentation November 2014 1/37 Disclaimer This presentation provides information in summary form only and is not intended to be complete. It is not intended to be relied upon as advice to
More informationInvestor. Subject: Presentation. Department: March 2017
Investor Subject: Presentation Department: March 2017 Agenda I. bank muscat introduction 4 II. Operating Environment 7 III. bank muscat Business Overview 12 IV. Financial Performance 20 V. Annexure 25
More informationHabib Bank Limited RATING REPORT. External auditors: Ernst & Young Ford Rhodes Sidat Hyder Chartered Accountants
Rating Report RATING REPORT REPORT DATE: December 17, 2015 RATING ANALYSTS: Talha Iqbal talha.iqbal@jcrvis.com.pk MohammadArsal Ayub arsal.ayub@jcrvis.com.pk RATING DETAILS Latest Rating Previous Rating
More informationAlinma Bank Young and Dynamic
May-15 Jun-15 Jul-15 Aug-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15 Jan-16 Feb-16 Mar-16 Apr-16 Company Initiation Report SICO Research GCC Equities Banks Price Data (SAR) Current Price 12.96 Target Price 15.00
More informationDubai Islamic Bank Group 1 st Half 2016 Financial Results H net profit up by 11% to over AED 2 billion
Press Release: Dubai Islamic Bank Group 1 st Half 2016 Financial Results H1 2016 net profit up by 11% to over AED 2 billion Dubai, July 27, 2016 Dubai Islamic Bank (DFM: DIB), the first Islamic bank in
More informationInvestor Presentation QI 2016
Investor Presentation QI 2016 1. Overview 2. Financial Information 3. Business Information 4. Share Information Overview QI 2016 Major Highlights Consistent Annual Income Growth ($M) One of the oldest
More informationFY 2017 Results Presentation. 16 January 2018
FY 217 Results Presentation 16 January 218 2 Important Information Disclaimer The material in this presentation is general background information about the activities of Emirates NBD Bank PJSC (Emirates
More informationCapital Markets Day 2014
Ooredoo Group Capital Markets Day 2014 Finance Update, Ajay Bahri, OG CFO May 12, 2014 Key financial milestones since our last CMD in Feb 13 Rebranding & Ticker Change Legal change of name from Qatar Telecom
More informationAbu Dhabi Commercial Bank PJSC Q1 15 Investor presentation
Abu Dhabi Commercial Bank PJSC Q1 15 Investor presentation THIS PRESENTATION IS NOT AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AS AN INVESTOR PRESENTATION AND
More informationTISCO Financial Group Public Co., Ltd.
TISCO Financial Group Public Co., Ltd. Analyst Presentation 4Q09 & FY09 Results 14 January 2010 Disclaimer: This presentation material may contain forward-looking statements. These forward-looking statements
More informationCONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 SEPTEMBER 2016
CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 SEPTEMBER 2016 The Commercial Bank (Q.S.C) CONTENTS CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS Page(s) Independent auditors review report
More informationTHE COMMERCIAL BANK OF QATAR
THE COMMERCIAL BANK OF QATAR Lackluster 2010 but Undervalued key data Highlights Fair Value per Share (QR) 92.80 Closing Price (QR) * 67.30 52-week High / Low (QR) 83.20 / 57.10 YTD / 12-month Return 9%
More informationDubai Islamic Bank 1st Quarter 2017 Net Profit reaches AED Billion
Press Release: Dubai Islamic Bank 1st Quarter 2017 Net Profit reaches AED 1.042 Billion Net profit up by 4% compared to same period in 2016 Financing assets up by 6% to AED 121.4 billion Deposits up by
More informationYapı Kredi 2015 Earnings Presentation. Majority of investments finalised, profitability acceleration expected
Yapı Kredi 2015 Earnings Presentation Majority of investments finalised, profitability acceleration expected 2 February 2016 Resilient sector performance throughout the year despite volatile operating
More informationYTD Q3 September Financial Performance Presentation to Investors and Analysts 1 November 2018
YTD Q3 September 2018 - Financial Performance Presentation to Investors and Analysts 1 November 2018 Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO
More information2014 Full Year Results Presentation
2014 Full Year Results Presentation 11 February 2015 Disclaimer: This material should be read as an overview of OCBC s current business activities and operating environment. It should not be solely relied
More informationTMB Bank Plc. Building the Best Transactional Bank. Make THE Difference. Day with Executive Management
TMB Bank Plc. Building the Best Transactional Bank Day with Executive Management November 1, 215 Make THE Difference AGENDA 3Q15 Financial Performance 9M15 Financial Performance Looking Forward [2] Executive
More informationINVESTOR PRESENTATION. Financial Year 2012
INVESTOR PRESENTATION Financial Year 2012 1 Disclaimer The information contained in this document has been provided on the basis of current knowledge, assumptions and expectations. In the event that any
More informationCommercial International Bank. IR presentation 3Q 2013
Commercial International Bank IR presentation 3Q 2013 Disclaimer This document is the property of CIB and it may contain confidential information solely for use as an investor presentation. It must be
More informationQ Results Presentation. 18 April 2018
Q1 218 Results Presentation 18 April 218 2 Important Information Disclaimer The material in this presentation is general background information about the activities of Emirates NBD Bank PJSC (Emirates
More informationYapı Kredi 1Q14 Earnings Presentation. Rapid response to changes ensures continuing resilience. BRSA Consolidated Financials
Yapı Kredi Earnings Presentation Rapid response to changes ensures continuing resilience BRSA Consolidated Financials 30 April 2014 Operating Environment: A challenging but overall positive start to the
More informationSwitzerland Economic Update QNB Group. September 2014
Switzerland Economic Update QNB Group September 14 Switzerland Overview Switzerland s efficient capital markets, highly skilled human capital and low corporate tax rates make it the world's most competitive
More informationJun 17 BANK MUSCAT. Ready to face challenges, adequately capitalized, trades at compelling valuations
Jun 17 BANK MUSCAT Ready to face challenges, adequately capitalized, trades at compelling valuations Bank Muscat Ready to face challenges, adequately capitalized, trades at compelling valuations Closing
More informationCONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 JUNE 2016
CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS 30 JUNE 2016 The Commercial Bank (Q.S.C) CONTENTS CONDENSED CONSOLIDATED INTERIM FINANCIAL STATEMENTS Page(s) Independent auditors review report 1 Condensed
More informationSamba Bank Limited RATING REPORT. RATING DETAILS Latest Rating Previous Rating COMPANY INFORMATION
Rating Report RATING REPORT Samba Bank Limited REPORT DATE: June 29, 2017 RATING ANALYSTS: Muniba Khan muniba.khan@jcrvis.com.pk Muhammad Ibad Desmukh ibad.deshmukh@jcrvis.com.pk RATING DETAILS Latest
More informationInvestor Analyst Day December 2017
Investor Analyst Day 2017 5 December 2017 Vision and five year plan Joseph Abraham Group Chief Executive Officer Mr. Abraham has been the Chief Executive Officer of Commercial Bank since July 4th 2016
More informationQNB at a glance Gateway to the Middle East and Africa (MEA)
Contents 1. Introduction to QNB 2. Vision and Strategy 3. Business Overview 4. Corporate Governance 5. Financial Highlights 6. Corporate and Social Responsibility 2 Introduction to QNB QNB at a glance
More informationPress Release Financial Information for 1Q16. Highlights
Press Release Financial Information for 1Q16 Highlights Net Profit increased to EGP905 million, up by 39% Year on Year ( YoY ) Total Assets increased to EGP139,152 million, up by 5% from December 2015
More informationMeezan Bank Limited (MBL)
Rating Report RATING REPORT Meezan Bank Limited (MBL) REPORT DATE: June 29, 2017 RATING ANALYSTS: Osman Rahi, Osman.rahi@jcrvis.com.pk Talha Iqbal Chhangolia Talha.iqbal@jcrvis.com.pk RATING DETAILS Latest
More informationDubai Islamic Bank. Shuaa Capital GCC Investor Conference, London 27 th - 28 th May 2009
Dubai Islamic Bank Shuaa Capital GCC Investor Conference, London 27 th - 28 th May 2009 Disclaimer The information provided in this presentation should not be used as a substitute for any form of advice.
More informationCOMMERCIAL INTERNATIONAL BANK ( CIB ) REPORTS RECORD THIRD-QUARTER 2013 CONSOLIDATED NET INCOME OF EGP 920 MILLION, OR EGP 1
Commercial International Bank (Egypt) SAE Nile Tower, 21/23 Charles de Gaulle Street, Giza 11511, Egypt www.cibeg.com EGX Symbol: COMI News Release 12 November 2013 COMMERCIAL INTERNATIONAL BANK ( CIB
More informationSummary of Operating Results for the Bank and its Subsidiaries Quarter and Nine Months Ended September 30, 2018
1 Summary of Operating Results for the Bank and its Subsidiaries Quarter and Nine Months Ended 30, The Thai economy continued to grow on the back of strong exports and buoyant domestic demand. In spite
More informationUOB Group Strength and resilience within a challenging market environment
UOB Group Strength and resilience within a challenging market environment Investor Roadshow March 2009 Disclaimer : This material that follows is a presentation of general background information about
More informationInvestor Presentation JUNE 2014
Investor Presentation JUNE 2014 Contents I. UNB Introduction 1 II. UAE Banking Industry 3 III. UNB Business Overview 5 IV. UNB Strategy 10 V. Risk Management 11 VI. Financial Highlights and Performance
More informationSecond Quarter 2017 Results Presentation 27 July 2017
Second Quarter 2017 Results Presentation 27 July 2017 Disclaimer: This material should be read as an overview of OCBC s current business activities and operating environment. It should not be solely relied
More informationInvestor Presentation QI 2017
Investor Presentation QI 2017 1. Overview 2. Financial Information 3. Business Information 4. Share Information Overview QI 2017 Major Highlights Consistent Annual Income Growth ($M) One of the oldest
More informationAHLI BANK SAOG Unaudited interim condensed financial statements 30 September 2017
AHLI BANK SAOG Unaudited interim condensed financial statements 30 September 2017 CONTENTS OF THE INTERIM CONDENSED FINANCIAL STATEMENTS Chairman's report 2-4 Report on the review of interim condensed
More informationInvestor Presentation on the FY 2014 result
Investor Presentation on the FY 2014 result 2 Azerbaijan: Key Facts General Economy Currency Population: 9.2 m Area: 86,600 km 2 Largest Cities: Baku, Ganja, Sumgayit, Mingachevir, Lenkaran GDP: USD 76
More informationEvent Update Apr 18 OMAN BANKING SECTOR. Revised Central Bank Regulations to benefit the local banks
Apr 18 OMAN BANKING SECTOR Revised Central Bank Regulations to benefit the local banks Oman Banking Sector Regulatory amendments to benefit the local banks, Omani Banks to re rate... The Event: CBO Amended
More informationEmirates NBD Investor Presentation. Aug/Sep 2012
Emirates NBD Investor Presentation Aug/Sep 2012 1 Important Information Disclaimer The material in this presentation is general background information about Emirates NBD's activities current at the date
More informationInvestor Presentation with 3M 18 Financials. April 2018
Investor Presentation with Financials April 2018 Executive summary Structurally Attractive Turkish Economy Underpinning a Dynamic Banking Sector Turkish market presents a strong opportunity among emerging
More information