Investor Presentaiton
الواحة كابيتال
WAHA CAPITAL
PRINCIPAL INVESTMENTS
DUNIA GROUP
Key Financial Highlights
AED mn
2012
2013 2014
2015
2016
H1 2017
-
Loan book grew at a 34% CAGR over the 2009-2017
Customer deposits grew to AED 1.3 billion as at 30 June 2017, an
increase of 5.1% compared to 30 June 2016
Net Interest
Income
192
260
388
548
564
255
- Non-performing loan cover of 1.3x and impairment reserve of 4.3%
of total loans and advances
- Cost to income ratio is 23.5% in H1 2017
- Provisioning taken on the loan book reflecting the current economic
downturn.
Net Loan Book
768
1,025 1,505
2,012 1,969
1,878
Total Assets
867
1,086 1,642
2,188 2,222
2,204
- Carrying value of AED 165.2 million as at 30 June 2017
BY PRODUCT
BY CUSTOMER SEGMENT (1)
Deposits
1.
2.
Debt
414
515
829
1,114
1,229
1,276
2
26
120
153
180
Equity
356
472
651
784
718
635
55%
40%
4%
31%
00
56%
14%
■Personal Loan
■Credit Cards
■ Auto Loan
■SMM
■ SEMM ■MAF
SMM: Salaried Mass Market; MAF: Mass Affluent; SEMM: Self-Employed Mass Market
Figures represent the combined results of Dunia Finance LLC and Dunia Services FZ LLC; both have a common ownership structure
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