Gulf Bank K.S.C. · KSE:GBK
Gulf Bank K.S.C — Gulf Bank — Q3 2020 Earnings Presentation
8 slides from Gulf Bank K.S.C's earnings presentation, Nov 9, 2020
Slide 1: Gulf Bank Earnings Presentation 3rd Quarter 2020
Gulf Bank Earnings Call Year End 2019 Gulf Bank Earnings Presentation 3rd Quarter 2020 9th November 2020
Slide 2: Credit Ratings
Credit Ratings Rating Agency 2
Slide 3: Income Statement
Income Statement Q1 20A vs Q1 19A Q2 20A vs Q2 19A Q3 20A vs Q3 19A 9M 20A vs 9M 19A KD Millions Q1 2019A Q1 2020A Q2 2019A Q2 2020A Q3 2019A Q3 2020A 9M 2019A 9M 2020A Amt % Amt % Amt % Amt % 1 Interest Income 63.7 58.0 (5.7) -9% 64.4 55.2 (9.2) -14% 64.8 49.3 (15.5) -24% 193.0 162.6 (30.4) -16% 2
Slide 4: Balance Sheet
Balance Sheet Var Sep 20 vs Sep 19 Var Sep 20 vs Dec 19 KD Millions 30-Sep-19 % of Total 31-Dec-19 % of Total 30-Sep-20 % of Total Amount % Amount % ASSETS 1 Cash and cash equivalents 1,055 17% 848 14% 826 14% -229 -22% -22 -3% 2 Kuwait Government Bonds 252 4% 232 4% 109 2% -144 -57% -124 -53% 3 CBK
Slide 5: Capital and Leverage Ratios
Capital and Leverage Ratios Tier I Capital(1)(3) Risk Weighted Assets 13.9% 6,000 13.1% 15% 800 5,000 4,597 4,633 12% Minimum 600 9.5% 4,000 646 601 9% 3,000 400 6% 2,000 KD Million KD Million % of RWA 200 3% 1,000 - 0% - 30-Sep-19 30-Sep-20 30-Sep-19 30-Sep-20 Tier 1 Capital Tier 1 % Total Capital(
Slide 6: Liquidity Ratios
Liquidity Ratios Liquidity Coverage Ratio(1) Net Stable Funding Ratio(1) 400% 150% 304% 113% 111% 300% 265% 100% Minimum 200% 80% 50% 100% Minimum 80% 0% 0% 30-Sep-19 30-Sep-20 30-Sep-19 30-Sep-20 (1) Liquidity Coverage Ratio and Net Stable Funding Ratio regulatory minimums have been changed from 10
Slide 7: Q&A
Q&A Gulf Bank Investor Relations Team Tel : +965 22449501 Fax : +965 2243-7872 P.O. Box 3200, Safat, 13032 Kuwait [email protected] 7
Slide 8: Disclaimer
Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION DOES N