Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — Q3 2020 Earnings Presentation

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

  1. Slide 1: Investor Presentation

    Investor Presentation September 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 upliftment through customized banking and fi

  3. Slide 3: CEO's message

    CEO’s message “We have placed a steady focus on maintaining a healthy liquidity position while engaging with our customers to provide them with the necessary impetus to navigate through these difficult times. The 3rd quarter results display the resilience of Union Bank against a challenging landscap

  4. Slide 4: Performance Snapshot Q3 2020

    Performance Snapshot Q3 2020 Growth Income Statement (Rs.Mn) 9M 2020 9M 2019 (%) Net Interest Income 3,047 3,466 -12.1% Net Fee & Commission Income 467 624 -25.1% Net Trading & Other Operating Income 1,129 547 106.4% Total Operating Income 4,643 4,637 0.1% Impairment Charge 562 354 58.5% Total Opera

  5. Slide 5: NII is Rs.3Bn

    NII is Rs.3Bn Net Interest Income (Rs.Mn) Net Fees & Commission (Rs.Mn) 3,466 624 578 3,047 2,722 495 467 2,319 1,538 1,651 1,166 188 120 93 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 • Net Interest Margin declined from 3.8% to 3.3% • Overall fee income decli

  6. Slide 6: Operating Expenses declined by 4% YoY

    Operating Expenses declined by 4% YoY Net Trading & Other (Rs.Mn) Operating Expenses (Rs.Mn) 1,129 2,960 2,821 2,855 846 2,454 2,232 609 1,706 547 483 414 1,185 301 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 • Treasury recorded a notable performance with • Op

  7. Slide 7: Operating Margin increased by 7% YoY

    Operating Margin increased by 7% YoY Operating Margin (Rs.Mn) 2,000 Operating Income (Rs.Mn) 1,800 4,643 1,600 1,400 1,200 1,559 1,000 800 600 9M 14 9M 20 400 200 - Operating Expenses (Rs.Mn) 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 2,855 • Total Operating Income was Rs. 4,643 Mn and was similar to

  8. Slide 8: Gross NPL Ratio is 5.48%

    Gross NPL Ratio is 5.48% Impairment (Rs.Mn) Gross NPL (%) 562 11.57% 354 278 5.48% 5.22% 212 214 4.01% 3.57% 137 2.73% 2.53% 39 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 • Impairment Charge increased by 59% YoY; • The gross NPL ratio was 5.48% by end of the

  9. Slide 9: Balance Sheet - Bank

    Balance Sheet - Bank Growth Balance Sheet (Rs.Mn) Sep-20 Sep-19 (%) Treasury Assets 43,147 34,700 24.3% Net Loans (Rs.Mn) Loans & Advances 71,333 77,358 -7.8% 71,333 Cash & Balances with CB 3,231 5,033 -35.8% Other Assets 4,580 4,662 -1.8% Total Assets 122,291 121,754 0.4% 24,059 Borrowings 18,481 2

  10. Slide 10: YTD strong CASA growth of 26%

    YTD strong CASA growth of 26% Net Loans (Rs.Mn) Deposits (Rs.Mn) 81,958 74,998 71,647 71,333 76,143 74,707 67,391 67,398 52,418 49,589 38,065 41,269 28,557 24,059 3Q 14 3Q 15 3Q 16 3Q 17 3Q 18 3Q 19 3Q 20 3Q 14 3Q 15 3Q 16 3Q 17 3Q 18 3Q 19 3Q 20 CASA (Rs.Mn) • Total EOP CASA grew by 26% YTD. 19,709

  11. Slide 11: Capital Adequacy ratio is 16.26%

    Capital Adequacy ratio is 16.26% • Capital Adequacy Ratio - The Bank continued to maintain high capital adequacy ratios. - The ratio as at end Sep 2020 was 16.26% - well above the statutory requirement of 12%. • Liquidity Coverage - The Bank maintains a very strong position of LKR Liquidity. - Opera

  12. Slide 12: Income Statement - Group

    Income Statement - Group Growth Income Statement (Rs.Mn) 9M 2020 9M 2019 (%) Net Interest Income 3,507 4,033 -13.0% Net Fee & Commission Income 533 700 -24.0% Net Trading & Other Operating Income 1,185 575 106.0% Total Operating Income 5,224 5,309 -1.6% Impairment Charge 726 499 45.5% Total Operatin

  13. Slide 13: Balance Sheet - Group

    Balance Sheet - Group Growth Balance Sheet (Rs.Mn) 3Q 2020 3Q 2019 (%) Net Loans (Rs.Mn) Treasury Assets 42,755 34,567 23.7% 77,720 Loans & Advances 77,720 84,780 -8.3% Cash & Balances with CB 3,541 5,419 -34.7% Other Assets 4,993 5,074 -1.6% 26,881 Total Assets 129,009 129,840 -0.6% Borrowings 19,7

  14. Slide 14: Key Performance Indicators

    Key Performance Indicators BANK GROUP Item 30 Sep 2020 31 Dec 2019 30 Sep 2020 31 Dec 2019 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 15,019,492 15,286,211 15,670,190 15,810,228 Tier 1 Capital / Core Capital (Basel III) 15,019,492 15,286,211 15,670,190 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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