Union Bank Of Taiwan · TWSE:2838
Union Bank Of Taiwan — Q3 2017 Earnings Presentation
19 slides from Union Bank Of Taiwan's earnings presentation, Dec 7, 2017
Slide 1: Analyst Meeting: Financial Review of 3Q17
Union Bank of Taiwan Analyst Meeting Financial Review of 3Q17 December 7st, 2017
Slide 2: Disclaimer
DISCLAIMER This presentation is provided by Union Bank of Taiwan (”UBOT”).The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed
Slide 3: Agenda
AGENDA Business Overview Financial Highlight in 3Q17 Business Strategy and Future Prospects 3
Slide 4: Business Overview in 2017
Business Overview in 2017 Develop in FinTech • Starts up On-line application service. • Launch Apple Pay, Samsung pay, and Android pay, and being one of Banks who stands in 3 biggest mobile payment systems. Expand service chain After setting ATM in every station of Kaohsiung Metro, UBOT starts t
Slide 5: Financial Highlight in 3Q17
Financial Highlight in 3Q17 NT$mn, % 3Q16 Items 3Q17 Diff. Amt Diff. % (Restatement) Net Interest Income (NII) 4,989 4,733 256 5.41% Net fee income 1,723 1,830 (107) (5.85%) Others income 985 668 317 47.46% Net operating income 7,697 7,231 466 6.44% Operating expense 4,843 4,721 122 2.58% Allowance
Slide 6: Financial Highlight in 3Q17 (Conti.)
Financial Highlight in 3Q17 (Conti.) NT$ dollar, ％ 6.00 5.67 2016.09 2017.09 5.52 5.00 4.00 3.00 2.00 1.00 0.77 0.78 0.39 0.38 0.00 EPS ROE ROA 6
Slide 7: Financial Highlight in 3Q17 (Conti.)
Financial Highlight in 3Q17 (Conti.) 12,000 Net operating income and Income before income tax NT$ mn 9,907 9,806 10,000 8,479 8,850 7,697 8,000 6,000 3,763 3,339 3,676 4,000 3,226 2,456 2,000 0 2013 2014 2015 (Restatement) 2016 2017.09 7 Net operating incom Income before income tax
Slide 8: Operating income structure
Operating income structure NT$mn , % NII% Fee income% Other income% Net operating income 12,000 100% 10.54% 9.83% 13.63% 10.64% 12.78% 90% 9,907 10,000 9,806 19.63% 80% 24.77% 22.39% 22.08% 23.45% 8,479 8,850 70% 8,000 7,697 60% 6,000 50% 40% 4,000 69.83% 68.09% 62.92% 64.59% 64.82% 30% 20% 2,000 10
Slide 9: Capital Adequacy / Risk Weighted Assets
Capital Adequacy NT$ thousand 350,000,000 60,000,000 300,000,000 50,000,000 250,000,000 Risk Weighted Assets 40,000,000 200,000,000 30,000,000 150,000,000 20,000,000 100,000,000 50,000,000 10,000,000 0 0 2012 2013 2014 2015 2016 2017.09 2017.10 Regulatory capital 24,631,385 30,187,442 32,843,359 36,
Slide 10: Business Performance
Business Performance NT$ mn, % Items 2017.09 2016.09 Diff. Amt Diff. % Total deposits (avg. bal.) 446,919 429,455 17,464 4.07% Demand deposits 183,069 170,317 12,752 7.49% Time deposits 201,785 205,518 (3,733) (1.82%) Foreign exchange 62,065 53,620 8,445 15.75% deposits Total Loans (avg. bal.) 302,8
Slide 11: Business Performance: Credit card business
Business Performance Credit card business Cards ,NT$ mn, % Item Jan. to Oct. 2017 Jan. to Oct. 2016 Diff. Amt Diff. % Cards outstanding 2,018,121 2,009,285 8,836 0.44% Valid cards in 6 months 1,141,298 1,041,579 99,719 9.57% Valid cards rate 56.55% 51.84% 4.71% 9.09% New issue cards 250,090 399,88
Slide 12: Operating revenue analysis
Operating revenue analysis 40.00% +2.44% 34.03% 35.00% 22.20% 13.61% 31.59% -2.35% 30.00% 23.48% +4.64% 25.00% 21.13% 22.20% 20.00% -0.69% 17.56% -4.04% 15.00% 13.61% 14.30% 13.07% 10.00% 9.03% 5.00% 0.00% Corporate Loans Consumer Loans Wealth Mgmt. Investment Others 34.03% 2017.09 2016.09 2017.09 2
Slide 13: Deposits balance in latest 5 years
Deposits balance in latest 5 years Demand Deposits Time Depostis 244,310 245,180 202,418 240,632 192,697 171,260 178,913 157,883 229,164 211,994 2013 2014 2015 2016 2017.09 2013 2014 2015 2016 2017.09 NT$mn Deposits 447,598 433,329 Date 423,223 End of End of End of End of End of 369,877 400,424 Item
Slide 14: Loans balance in latest 5 years
Loans balance in latest 5 years NT$ mn Corporate Loans Comsumer Loans 160,000 136,742 138,858 180,000 140,000 132,809 163,096 123,174 160,000 154,226 120,000 146,708 140,000 136,793 103,826 128,139 100,000 120,000 80,000 100,000 80,000 60,000 60,000 40,000 40,000 20,000 20,000 0 0 2013 2014 2015 201
Slide 15: Spread and NIM
Spread and NIM Net Interest Spread Net Interest Margin 1.50% 1.49% 1.49% 1.48% 1.46% 1.46% 1.44% 1.43% 2.36% 1.44% 2.31% 1.42% 1.43% 2.24% 2.14% 0.88% 1.40% 1.39% 0.87% 0.75% 0.68% 1.38% 1.38% 1.36% 1.34% 2014 2015 2016 2017.09 1.32% Avg. rate of loans Avg. rate of deposits 2014 2015 2016 2017.09 １
Slide 16: Assets Quality
Assets Quality NT$ mn, % NPL Ratio NPL 0.35% 700 674 599 0.30% 0.29% 600 0.25% 500 0.20% 0.20% 400 0.15% 300 274 224 0.10% 0.10% 0.09% 200 152 0.05% 0.05% 100 0.00% 0 2013 2014 2015 2016 2017.09 2013 2014 2015 2016 2017.09 NPL increasing in 2017 comes from bad dept. of Foshin Airline (200MN) , and
Slide 17: Assets Quality (Conti.)
Assets Quality (Conti.) NT$ mn, ％ Allowance of bad dept NPL Coverage Ratio 2000.00% 2000.00% 4,000 1839.97% 3,521 1800.00% 3,500 3,197 1600.00% 1500.00% 3,000 2,797 1400.00% 2,524 2,567 2,500 1148.27% 1168.83% 1200.00% 1000.00% 1000.00% 2,000 800.00% 1,500 587.80% 600.00% 1,000 500.00% 555.43% 374.2
Slide 18: Business Strategy and Future Prospects
Business Strategy and Future Prospects Internal Contol Strengthen Compliance Financial with Regulation and Laws Constitution Increase Market Share Improve Capital Adequacy 18
Slide 19: Thank you!
Thank you! 19