Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — H1 2020 Earnings Presentation

15 slides from Union Bank Of Colombo's earnings presentation, June 2020

  1. Slide 1: Investor Presentation

    Investor Presentation June 2020 1

  2. Slide 2: Vision

    Vision Vision: “Our Vision is to be the innovator of Banking Solutions to the wider Corporate, SME and Retail Segments and to be their Bank of choice, through professional and empowered people”. Mission:  To our customers we provide the means of economic up-liftment through customized banking and f

  3. Slide 3: CEO's message

    CEO’s message “Our key focus during the second quarter of the year has been on the efficient roll -out of the relief programmes to support our customers affected by the Covid-19 pandemic through continuous engagement with customers at branch/regional level to identify their unique challenges and pro

  4. Slide 4: Union Bank recorded 6% growth in Profit After Taxes in a challenging environment

    Union Bank recorded 6% growth in Profit After Taxes in a challenging environment Growth Income Statement (Rs.Mn) 1H 2020 1H 2019 (%) Net Interest Income 2,022 2,131 -5.1% Net Fee & Commission Income 287 412 -30.5% Net Trading & Other Operating Income 642 357 80.0% Total Operating Income 2,951 2,900

  5. Slide 5: NII is Rs.2 Bn

    NII is Rs.2 Bn Net Interest Income (Rs.Mn) Gross Fees & Commission (Rs.Mn) 2,131 524 2,022 447 1,785 1,561 389 369 1,039 978 729 152 80 77 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 • Net Interest Margins declined from 3.4% to 3.2% • Overall fee income reduce

  6. Slide 6: Total Operating Income up by 2% in a challenging environment

    Total Operating Income up by 2% in a challenging environment Net Trading & Other (Rs.Mn) Total Operating Income (Rs.Mn) 642 2,900 2,951 556 2,575 405 2,115 357 1,655 256 1,350 235 198 986 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 • The Bank’s Treasury contri

  7. Slide 7: Operating Margin increased by 12%

    Operating Margin increased by 12% Operating Margin (Rs.Mn) Operating Income (Rs.Mn) 2,951 1,200 1,000 800 986 600 400 1H 14 1H 20 200 Operating Expenses (Rs.Mn) - 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1,914 • Total Operating Income was Rs.2,951 Mn - a marginal increase of 2% YoY. • Total Operati

  8. Slide 8: Gross NPL Ratio is 5.3%

    Goss NPL Ratio is 5.3% Impairment Charge (Rs.Mn) Gross NPL (%) 281 12.36% 186 158 132 139 5.40% 5.30% 107 4.87% 2.90% 3.18% 2.62% 18 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 • Significant provisions booked in order to account • The gross NPL ratio was 5.3%

  9. Slide 9: Bank - Balance Sheet

    Bank - Balance Sheet Growth Balance Sheet (Rs.Mn) 1H 2020 1H 2019 Net Loans (Rs.Mn) (%) 75,997 Treasury Assets 44,731 34,694 28.9% Loans & Advances 75,997 77,358 -1.8% Cash & Balances with CB 3,269 5,033 -35.1% Other Assets 4,647 4,668 -0.5% Total Assets 128,643 121,754 5.7% Borrowings 27,759 24,834

  10. Slide 10: YoY strong CASA growth of 18%

    YoY strong CASA growth of 18% Net Loans (Rs.Mn) 75,997 Deposits (Rs.Mn) 72,241 74,222 79,779 74,609 64,048 69,824 62,719 48,513 45,803 33,093 28,506 30,398 23,922 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 CASA (Rs.Mn) • Total EOP CASA grew 18% YoY 20,582 • F

  11. Slide 11: Capital Adequacy ratio is 16.06%

    Capital Adequacy ratio is 16.06% • Capital Adequacy Ratio - The Bank continued to maintain high capital adequacy ratios - The ratio as at end June 2020 was16.06% - well above the statutory requirement of 12% • Liquidity Coverage - The Bank maintains a very strong position of LKR Liquidity - Operates

  12. Slide 12: Income Statement - Group

    Income Statement - Group Growth Income Statement (Rs.Mn) 1H 2020 1H 2019 (%) Net Interest Income 2,301 2,516 -8.5% Net Fee & Commission Income 332 462 -28.1% Net Trading & Other Operating Income 687 372 85.0% Total Operating Income 3,321 3,350 -0.9% Impairment Charge 385 306 25.9% Total Operating Ex

  13. Slide 13: Group - Balance Sheet

    Group - Balance Sheet Growth Net Loans (Rs.Mn) Balance Sheet (Rs.Mn) 1H 2020 1H 2019 (%) 82,666 Treasury Assets 44,311 34,561 28.2% Loans & Advances 82,666 84,780 -2.5% Cash & Balances with CB 3,731 5,419 -31.2% Other Assets 4,565 4,582 -0.4% Total Assets 135,274 129,342 4.6% 26,256 Borrowings 29,00

  14. Slide 14: Key Performance Indicators

    Key Performance Indicators BANK GROUP Item 30 Jun 2020 31 Dec 2019 30 Jun 2020 31 Dec 2019 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 15,120,938 15,286,211 15,850,322 15,810,228 Tier 1 Capital / Core Capital (Basel III) 15,120,938 15,286,211 15,850,322 15,810,228 Total Capital / T

  15. Slide 15: Corporate Information

    Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Sri Lanka under the Companies Act No. 17 of 1982. Atul Malik Chairman/Non-Ind. Non-Exec. Director Priyantha Fernando Deputy Chairman/ Ind. Non Exec. Director Re-registered under the Comp

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