Dubai Islamic Bank PJSC · DFM:DIB
Dubai Islamic Bank PJSC — Dubai Islamic Bank — Q1 2016 Earnings Presentation
24 slides from Dubai Islamic Bank PJSC's earnings presentation, 2016
Slide 1: The better way to bank
The better way to bank Investor Presentation First Quarter 2016 Financial Results
Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS NOT FOR PUBLICATION, RELEASE, OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, INTO AUSTRALIA, CANADA, SOUTH AFRICA, JAPAN OR THE UNITED STATES. THIS PRESENTATION DOES NOT CONSTITUTE OR FORM PART OF AN OFFER TO SELL OR TO ISSUE ANY SECURITIES OR SOLICITATION OF AN OFFER TO PU
Slide 3: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 3
Slide 4: Dubai Islamic Bank at a Glance
Dubai Islamic Bank at a Glance A leading Islamic bank with a growing international footprint Snapshot of Dubai Islamic Bank Geographic Presence Ownership (as at 31st March 2016) • Dubai Islamic Bank (“DIB” or the “Bank”) was established Existing Presence in 1975 as the world’s first full service Isl
Slide 5: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 5
Slide 6: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 7: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 7
Slide 8: Overall Financial Performance (as at 31st March 2016)
Overall Financial Performance (as at 31st March 2016) Strong Financial Performance on the Back of Intense Focus on Growth Balance Sheet Items Financial Highlights AED million 2015 Q1 2016 Change Key Ratios 2014 2015 Q1 2016 Net Financing Assets 97,220 102,919 6% Net Financing to Deposit Ratio1 80% 8
Slide 9: Operating Performance & Profitability
Operating Performance & Profitability Robust & Growing Profitability (AED million) Sustained Strong Margins (AED million) 6,489 144,996 129,624 5,432 107,528 3,839 3.48% 3.63% 3.26% 2,804 1,520 1,693 850 1,001 2014 2015 Q1 2015 Q1 2016 2014 2015 Q1 2016 Net Operating Revenue Net Profit Profit Bearin
Slide 10: Overview of Deployment of Funds / Financings
Overview of Deployment of Funds / Financings Deployed Funds Composition (AED bn) Deployment by Segment (AED bn) 165 2014 2015 Q1 2016 150 7 10 124 7 8 61 11 16 56 8 6 7 8 21 8 20 12 39 37 37 16 31 103 20 21 97 16 16 12 74 9 10 10 7 7 8 8 2014 2015 1Q 2016 Corporate Consumer Real estate Sukuk Interba
Slide 11: Improving Asset Quality
Improving Asset Quality Non-Performing Assets (“NPA”)1 Financing Provisions and Coverage Ratios Overall Coverage Ratio² Provision Coverage Ratio NPA Ratio Impaired Financing Ratio 8.0% 148% 152% 134% 6.5% 5.0% 95% 97% 4.7% 4.1% 4.0% 78% 2014 2015 Q1 2016 2014 2015 Q1 2016 Cumulative Provisioning (AE
Slide 12: Funding Sources and Liquidity
Funding Sources and Liquidity Funding Sources (AED bn) Customers’ Deposits (AED bn) Liquidity Position (AED bn) Due to banks & FIs Other payables Equity Sukuk Customer Deposits Liquid Assets Liquid Assets/Total Assets (%) Customers' Deposits 165 Net Financing to Deposit Ratio 150 6 7 15% 5 7 88% 16%
Slide 13: Capitalization Overview
Capitalization Overview Total Equity1 Breakdown (AED million) Capital Ratios* Capital Reserves & Treasury Shares Retained Earnings & Others Tier 1 Sukuk CAR Tier 1 Ratio 20,469 18.2% 19,274 17.4% 15,525 7,346 18.2% 7,346 3,673 15.7% 15.6% 4,564 14.9% 3,252 3,396 15.5% 15.4% 4,646 4,605 4,578 14.7% 1
Slide 14: Strategic Focus 2016
Strategic Focus 2016 Maintain Performance Sustain Leadership Build on the Momentum Lead Islamic Finance growth in UAE and Enhance Penetration – beyond existing customers, existing sectors Capitalize on Opportunities within – Deliver on market / stakeholder expectations Platform already created Enhan
Slide 15: Contents
Contents 1. Overview of Dubai Islamic Bank 2. Strategic Intent 3. Financial Performance 4. Appendix 15
Slide 16: Consolidated Income Statement
Consolidated Income Statement AED million 31 Mar 2016 31 Mar 2015 2015 2014 Net Income Unaudited Unaudited Audited Audited Income from Islamic financing and investing transactions 1,527 1,259 5,520 4,444 Commission 418 305 1,295 1,052 Income / (loss) from other investment 15 12 37 39 Income from inv
Slide 17: Balance Sheet
Balance Sheet As on AED million 31 Mar 2016 31 Dec 2015 31 Dec 2014 Assets Un-audited Audited Audited Cash and balances with central banks 20,133 13,415 16,317 Due from banks and financial institutions 6,010 5,085 4,316 Islamic financing and investing assets, net 102,919 97,220 73,977 Investments in
Slide 18: DIB's Key Strategy for the Period Extending 2014-2016
DIB’s Key Strategy for the Period Extending 2014-2016 Maintain position as the leading and the most progressive Islamic financial institution in the region as well as in other selected strategic markets Key Strategic Goals & Initiatives Following the appointment of Dr. Adnan Chilwan as new CEO in mi
Slide 19: DIB's Key Business Lines
DIB’s Key Business Lines Core Business Profiles The principal activities of DIB are focused around five core business areas: (i) Retail & Business Banking; (ii) Corporate Banking (“CBG”); (iii) Real Estate & Contracting Finance; (iv) Investment Banking; and (v) Treasury. Real Estate & Contracting Co
Slide 20: DIB's Unmatched Credentials
DIB’s Unmatched Credentials • Wakala Deal of the Year Best Structured Finance Mudaraba Deal of the Year Best Sukuk House • Syndicated Deal of the Year Deal in the Middle East ENOC • Best Sukuk Bank Runner Up for the “Deal Best Structured Corporate Finance Best Sharia Advisory • Best Islamic Bank of
Slide 21: 2015 Awards & Accolades
2015 Awards & Accolades Islamic Retail Banking Indian Innovator Awards 2015 Awards 2015 • Ijarah Deal of the Year Best Islamic Bank 2015 The Strongest Islamic Retail Bank in GCC Banking Innovation Dr. Adnan Chilwan • Pakistan Deal of the Year • Corporate Finance Deal of the Year • Cross Border Deal
Slide 22: Select DIB DCM Transactions
Select DIB DCM Transactions Republic of Indonesia US$ 250,000,000 Sukuk US$ 500,000,000 Sukuk US$ 100,000,000 Sukuk US$ 750,000,000 Sukuk US$ 500,000,000 Sukuk US$ 2,000,000,000 Sukuk Joint Lead Manager Joint Lead Manager Joint Lead Manager Joint Lead Manager Structuring Bank Joint Lead Manager & Bo
Slide 23: Select Syndicated Transactions
Select Syndicated Transactions Emirates International Government of Pakistan, Telecommunications Ministry of Finance AED 571,000,000 US$ 265,000,000 AED 816,000,000 US$ 400,000,000 US$ 1,500,000,000 US$ 300,000,000 Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Arranger Mandated Lead Ar
Slide 24: The DIB Vision
THE DIB VISION To be the most progressive Islamic Financial Institution in the World.