Union Bank Of Colombo Plc · CSELK:UBC.N0000
Union Bank Of Colombo — Q3 2018 Earnings Presentation
13 slides from Union Bank Of Colombo's earnings presentation, 2018
Slide 1: Investor Presentation 3Q 2018
Investor Presentation 3Q 2018 1
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 upliftment through customized banking and fi
Slide 3: CEO's Message
CEO’s Message “This consistent growth trajectory is an affirmation of the success of the Bank’s midterm strategic initiatives for accelerated growth. Clear focus, strategic realignment and commitment has enabled the Bank to record an impressive performance amidst a challenging business environment.
Slide 4: Income Statement – Sep'18 (Group)
Income Statement – Sep’18 (Group) Group Income Statement (LKR.Mn) 3Q 2018 3Q 2017 Growth % 9M 2018 9M 2017 Growth % Net interest income 1,151 922 25% 3,342 2,789 20% Net fee and commission income 242 216 12% 697 607 15% Net Trading and other Operating income 213 268 -21% 631 546 15% Total operating
Slide 5: Revenue
Revenue Net Interest Income (LKR.Mn) Non Interest Income (LKR.Mn) 484 1,153 1,151 465 455 1,041 406 405 922 912 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 • Focused revenue management using • Non interest income grew by 15% YoY to portfolio re-alignment within and LKR 1,328Mn. This
Slide 6: Total Revenue & Operating Expense
Total Revenue & Operating Expense Total Revenue (LKR.Mn) Operating Expenses (LKR.Mn) 1,606 1,559 1,086 1,081 1,074 1,506 1,036 1,406 1,318 960 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 • YTD Total Revenue rose to LKR 4,671Mn, • Total Operating Expenses were and represented a growth
Slide 7: Operating Margin
Operating Margin Operating Margin (LKR.Mn) 600 Operating Income (LKR.Mn) 500 1,606 1,406 400 300 3Q 17 3Q 18 200 Operating Expense 100 (LKR.Mn) 1,081 - 960 1Q 17 2Q 17 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 Total Operating Income of the Group rose to LKR 4,671Mn, and represented a growth 3Q 17 3Q 18 of 18%
Slide 8: Impairment & PBT
Impairment & PBT Impairment Charge (LKR.Mn) PBT (Rs.Mn) 420 126 111 109 363 105 334 86 307 195 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 • The YTD impairment charge was LKR • YTD Profit before all taxes increased by 31% 340Mn, and a 17% increase YoY. YoY to LKR 1,090Mn. • The Bank
Slide 9: Statement of Financial Position - Sep'18 (Group)
Statement of Financial Position - Sep’18 (Group) Group Balance Sheet (LKR.Mn) 3Q 2018 4Q 2017 Growth % Treasury Assets 39,027 34,945 12% Net Loans (LKR.Mn) Loans & Advances 80,532 79,221 2% 80,532 Cash & Balance with CB 6,807 8,843 -23% Other Assets 4,809 4,592 5% Total Assets 131,174 127,601 3% 75,
Slide 10: Portfolio Mix & Quality
Portfolio Mix & Quality Segmental Loan Mix - 3Q 2018 Net NPA Ratio (%) Retail, 2.39% 19% 2.07% Corporate 1.92% , 47% 1.76% SME, 34% 1.66% Segmental Loan Mix - 3Q 2017 Retail, 3Q 17 4Q 17 1Q 18 2Q 18 3Q 18 16% Corporate , 46% SME, 37% • Shift in business unit mix to be in line 10 with the strategy.
Slide 11: Financial Statements – Sep'18 (Bank)
Financial Statements – Sep’18 (Bank) Income Statement (LKR.Mn) 3Q 2018 3Q 2017 Growth % 9M 2018 9M 2017 Growth % Net i nteres t i ncome 937 758 24% 2,722 2,319 17% Net fee a nd commi s s i on i ncome 215 176 22% 600 495 21% Net Tra di ng a nd other Opera ti ng i ncome 204 248 -18% 609 483 26% Total
Slide 12: Key Indicators
Key Indicators BANK GROUP Item 30 Sep 2018 31 Dec 2017 30 Sep 2018 31 Dec 2017 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 15,202,621 15,357,209 16,454,305 16,332,655 Tier 1 Capital /Core Capital (Basel III) 15,202,621 15,357,209 16,454,305 16,332,655 Total Capital /Total Capital B
Slide 13: Corporate Information
Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Sri Atul Malik Chairman/Non-Ind. Non-Exec. Director Lanka under the Companies Act No. 17 of 1982. Re- Priyantha Fernando Deputy Chairman/ Ind. Non Exec. Director registered under the Com
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