Burgan Bank · KSE:BURG
Burgan Bank — Q2 2011 Earnings Presentation
12 slides from Burgan Bank's earnings presentation, August 2011
Slide 1: Burgan Bank Group Investor Presentation August 2011
Burgan Bank Group INVESTOR PRESENTATION AUGUST 2011 Members of Burgan Bank Group: r carted i Gage SMM met} Castells tae ol =3y) Su nal Bank Fe) 7, BURGAN BANK
Slide 2: Disclaimer
Disclaimer The information contained in this document has been provided on the basis of current knowledge, assumptions and expectations. In the event that any information is incorrect or any party misrepresented, Burgan Bank and its consultants cannot be held responsible for this. Various factors co
Slide 3: Financial Trends
Financial Trends Revenue - (KD mn) Cost of Credit – (KD mn) 30 28.6 * Group Growth % 42.7 25 16.9% Q2 11 on Q1 11 10.0% 39.5 Q2 11 on Q2 10 16.9% 20 -74% 14.9 3.0 H1 11 on H1 10 13.6% 15 10 7.4 * 36.5 5.7 5 4.4 * - Q2 10 Q2 11 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 * Inclusive counter cyclical reserves( KD 2
Slide 4: Diverse Lending & Strong Credit Reserve
Diverse Lending & Strong Credit Reserve Non Performing Loans to Customers (KD mn) NPL Coverage Ratio 180% -31.5% 176% 233.1 156% 137% 119% 159.7 Q2 10 Q2 11 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 BB Group Loan Portfolio H1 2010 BB Group Loan Portfolio H1 2011 Personal, 27.4% Personal, RE, 28.6% 30.0% RE, 31.
Slide 5: Kuwait Ops. & Subsidiaries Net Profit Contribution
Kuwait Ops. & Subsidiaries Net Profit Contribution TIB AGB BOB JKB Kuwait Ops. 3,828 7,683 11,822 13,455 4% 3% 0.3% 9% 11% 26% 5% 29% 5% 14% 11% 9% 38% 66% 69% 72% 29% Q3 ’10 Q4 ’10 Q1 ’11 Q2 ’11 * Group Net Profit in (KD ‘000). * Negative figures have been excluded from Contribution. 5
Slide 6: Subsidiaries: Consistent Revenue Performance
Subsidiaries: Consistent Revenue Performance JKB Revenue AGB Revenue 5.4% 6,000 29.7% 12,000 11,000 5,791 10,000 10,980 5,000 10,414 9,000 4,000 4,464 8,000 7,000 6,000 3,000 5,000 4,000 2,000 3,000 2,000 1,000 1,000 - - * Data; in KD '000. Q2 ’10 Q2 ’11 * Data; in KD '000. Q2 ’10 Q2 ’11 BoB Revenue
Slide 7: Subsidiaries: Profitable, Well Capitalized, Poised for Growth
Subsidiaries: Profitable, Well Capitalized, Poised for Growth As of June 2011 Revenue (KD mn) 21.5 10.8 6.2 2.0 Net Profit (KD mn) 7.6 3.3 3.2 0.7 CAR (CBK rules) 22.9% 21.3% 28.1% 13.6% Assets (KD mn) 831 247 204 157 Loans (KD mn) 460 129 43 9 Deposits (KD mn) 543 170 164 75 NPL 4.79% 4.25% 16.53%
Slide 8: ROE Conventional Banks - Annualized
ROE Conventional Banks - Annualized Q1 11 Q2 11 15.4% 14.7% 13.1% 12.9% 11.7% 11.1% 9.9% 8.3% 1.2% 0.1% BB NBK ABK GBK CBK Ranking Conventional ROE Bank Q1 11 Q2 11 BB 3 1 NBK 1 2 ABK 2 3 GBK 4 4 CBK 5 5 8
Slide 9: Kuwaiti Banks Performance - Conventional
Kuwaiti Banks Performance - Conventional Net Profit Upside/Downside Move Net Profit Upside/Downside Move Q2 11 vs. Q1 11 Q2 11 vs. Q2 10 25 21.8 4 1.6 2 20 - (2) -1.1 15 -1.3 (4) -4.2 (6) 10 7.1 (8) 5 (10) 1.2 (12) - -14.9 -3.1 (14) -2.1 (16) (5) BB NBK ABK GBK CBK BB NBK ABK GBK CBK * Data; in KD M
Slide 10: Summary: Q2 2011
Summary: Q2 2011 Solid top line performance In trajectory to deliver pre-crisis profitability in 2011 Well positioned for growth 10
Slide 11: Thank You
» ] ol—sp = BURGAN BANK Thank You Members of Burgan Bank Group: sla tydpne pias abl Sais Gpsrnse: Gastacen 11 por -| foal ig is eal ol sp Sy ‘coun “Tunis international sank (A 7, BURGAN BANK
Slide 12: Kuwaiti Banks Price Performance - Conventional
Kuwaiti Banks Price Performance - Conventional Kuwait Banks Price Returns Conventional Since July 1, 2010 Burgan Bank 56.7% Gulf Bank 29.9% Ahli Bank of Kuwait 27.5% National Bank of Kuwait 6.9% Commercial Bank -8.6% Kuwait Bank Index 30.4% Kuwait Stock Exchange -7.4% BB ABK CBK GBK KSE Bank Index N