Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — H1 2022 Earnings Presentation

14 slides from Union Bank Of Colombo's earnings presentation, June 2022

  1. Slide 1: Investor Presentation

    Investor Presentation June 2022 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 upliftment through customized banking and fi

  3. Slide 3: Union Bank posts resilient core-banking performance in 1H2022

    Union Bank posts resilient core-banking performance in 1H2022 Income Statement (Rs.Mn) 1H 2022 1H 2021 Inc/Dec (%) Net Interest Income 2,509 2,103 19.3% Net Fee & Commission Income 504 407 23.9% Net Trading & Other Operating Income 561 527 6.6% Total Operating Income 3,575 3,036 17.7% Impairment Cha

  4. Slide 4: Net fee and commission income increased by 24%

    Net fee and commission income increased by 24% Net Interest Income (Rs.Mn) Net Fees & Commission (Rs.Mn) 504 2,509 2,131 2,103 412 407 2,022 385 1,785 319 1,561 287 1,039 978 729 121 58 55 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 Net

  5. Slide 5: Operating Expenses increased by 14% YoY

    Operating Expenses increased by 14% YoY Net Trading & Other (Rs.Mn) Operating Expenses (Rs.Mn) 642 561 2,059 556 1,974 1,914 527 1,899 1,809 1,619 405 1,433 357 1,109 256 235 198 765 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 • Net tra

  6. Slide 6: Operating Margin increased by 23% YoY

    Operating Margin increased by 23% YoY Operating Income (Rs.Mn) Operating Margin (Rs.Mn) 3,575 1,600 CAGR 1,400 17% 1,200 1,000 800 986 600 400 200 1H 14 1H 22 - 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 Operating Expenses (Rs.Mn) 2,059 CAGR 13% • Total operating income before impairment

  7. Slide 7: Stage 3 loans (NPL) ratio increased to 6.89%

    Stage 3 loans (NPL) ratio increased to 6.89% Impairment Charge (Rs.Mn) Stage 3 loans (NPL) ratio (%) 12.36% 961 6.89% 5.83% 436 5.40% 5.30% 4.87% 281 2.90% 2.62% 3.18% 186 158 107 132 139 18 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 I

  8. Slide 8: Balance Sheet - Bank

    Balance Sheet - Bank Growth Balance Sheet (Rs.Mn) 1H 2022 Dec 21 (%) Net Loans (Rs.Mn) Treasury Assets 42,214 39,129 7.9% 74,796 Loans & Advances 74,796 67,835 10.3% CAGR Cash & Balances with CB 6,574 3,815 72.3% 15% Other Assets 8,159 7,627 7.0% Total Assets 131,744 118,406 11.3% 23,922 Borrowings

  9. Slide 9: CASA ratio stood at 28%

    CASA ratio stood at 28% Net Loans (Rs.Mn)75,997 Deposits (Rs.Mn) 74,796 72,241 74,222 70,656 64,048 96,648 85,132 79,779 48,513 74,609 69,824 62,719 33,093 45,803 23,922 28,506 30,398 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 1H 14 1H 15 1H 16 1H 17 1H 18 1H 19 1H 20 1H 21 1H 22 CASA (Rs

  10. Slide 10: Strong Capital Adequacy ratio of 16.34%

    Strong Capital Adequacy ratio of 16.34% • Capital Adequacy Ratio - The Bank continued to maintain high capital adequacy ratios. - Tier I capital Adequacy Ratio as at 30 June 2022 was 15.45% - well above the statutory requirement of 8.5% - The total capital ratio as at end 30 June 2022 was 16.34% - w

  11. Slide 11: Income Statement - Group

    Income Statement - Group Inc/Dec Income Statement (Rs.Mn) 1H 2022 1H 2021 (%) Net Interest Income 3,056 2,510 21.8% Net Fee & Commission Income 535 464 15.3% Net Trading & Other Operating Inc 610 565 8.1% Total Operating Income 4,202 3,538 18.7% Impairment Charge 1,203 548 119.3% Total Operating Exp

  12. Slide 12: Balance Sheet - Group

    Balance Sheet - Group Growth Net Loans (Rs.Mn) Balance Sheet (Rs.Mn) 1H 2022 Dec 21 (%) 83,574 Treasury Assets 42,274 39,142 8.0% CAGR Loans & Advances 83,574 75,304 11.0% 16% Cash & Balances with CB 7,362 3,963 85.8% Other Assets 6,217 5,684 9.4% Total Assets 139,428 124,093 12.4% 26,256 Borrowings

  13. Slide 13: Key Performance Indicators

    Key Performance Indicators BANK GROUP Item 30 Jun 2022 31 Dec 2021 30 Jun 2022 31 Dec 2021 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 13,541,164 13,292,787 15,558,903 15,267,994 Tier 1 Capital / Core Capital (Basel III) 13,541,164 13,292,787 15,558,903 15,267,994 Total Capital / T

  14. Slide 14: Corporate Information

    Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Atul Malik Chairman/Non-Independent, Non-Executive Director Sri Lanka under the Companies Act No. 17 of 1982. Trevine Fernandopulle Deputy Chairman/Senior Independent Director Re-registe

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