International Bank of Azerbaijan

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International Bank of Azerbaijan and Azerbaijan
Banking Sector
July 21, 2009
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Steady Economic Growth of Azerbaijan Economy
GDP growth (USD millions)
GDP growth by CIS countries
GDP Structure (31.03.2009)
GDP Composition
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Rising Foreign Trade And Investments
Investments (USD millions)
Foreign Trade (USD millions)
Oil Gas Production
Foreign and Domestic Investments (USD millions)
Outlook
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Stable currency and rising reserves
External Debt and Currency Reserves (USD millions)
Dynamics of Manat Exchange Rate
National currencies to US exchange rate
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Azeri Banking Assets and Capital
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Financial Indicators of Banking System
Dynamics of Deposits Capital (USD millions)
Dynamics of Assets Loan Portfolio (USD
millions)
Total deposits CAGR54 Total capital CAGR70
Total assets CAGR66 Loan portfolio CAGR67
Dynamics of Profit Provisions (USD millions)
Efficiency of Banking System
Profit CAGR65 Provisions CAGR63
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Source The Central Bank of Azerbaijan
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IBA on the Azerbaijan Banking Market
Assets
Total capital
Profit
Loans
Customer accounts
31.03.2009
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Strong Retail and Corporate Banking
Corporate Loans (USD millions)
Retail Loans (USD millions)
Corporate Customer Accounts (USD millions)
Retail Customer Accounts (USD millions)
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Funding and Loan Portfolio
Loan Portfolio and Assets Growth (USD millions)
Loan Portfolio by Sectors (31.03.2009)
Funding mix (31.03.2009)
IBA Fund raising highlights
2001 - 1st syndicated loan in Azerbaijan 2007 -
1st subordinated loan of US100 million 2008 -
largest syndicated loan of US 174 million 2009 -
largest market syndication loan closing Plan -
Eurobond issue
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Financial Performance Capitalization and Income
Growth
Net Operating Income Growth (USD millions)
Income Growth (USD millions)
Capital Adequacy Ratio Tier 1 Capital
Capital Adequacy Ratio Total Capital
Local Standards
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Financial Performance Income and Profitability
Net Profit After Tax (USD millions)
Cost to Income Ratio ()
Return on Assets ()
Return on Equity ()
Local Standards
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IBA Ratings Awards

• Long-term local currency rating Baa3,
  short-term Prime-3(P-3)
• Longterm foreign currency deposit rating is Ba2
  - Stable

• Long-term rating BB
• Short-term and individual ratings at B and
  D/E

• 1997 2004, Best Bank in Azerbaijan by
  Euromoney magazine
• 2006, 2008
• 2000 2004, Bank of the Year in Azerbaijan
  by The Banker magazine
• 2006, 2007
• 2001 2009 Best Bank in the Worlds
  Emerging Markets by Global
  Finance magazine
• 2009 Best Local Bank in
  Azerbaijan by Emeafinance

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International diversification

• Subsidiaries abroad
• IBA Moscow
• IBA- Georgia
• IBA Qatar (planned)
• Representative offices abroad
• Frankfurt
• London
• Luxembourg
• Dubai
• New York
• Kiev, Istanbul (planned)

• Affiliates of IBA Group
• Joint Leasing Company
• International Insurance Company
• Azericard