National Development Bank Plc · CSELK:NDB.N0000
National Development Bank — Q3 2015 Earnings Presentation
17 slides from National Development Bank's earnings presentation, 2015
Slide 1: Investor Update 3Q-2015
INVESTOR UPDATE 3Q - 2015
Slide 2: Contents
CONTENTS NDB Group – A Snapshot Performance Highlights External Recognition 2
Slide 3: NDB Group
NDB GROUP VISION MISSION “The driving force for a To be the catalyst in the financial services industry by creating superior shareholder value and contributing to the national development through financially empowered the empowerment of individuals with innovative financial solutions Sri Lanka” deli
Slide 4: Performance Highlights
AIFVIED L--/ Nir OAaNk OURS ho A/CAITIN
Slide 5: Key Performance Snapshot 3Q-2015
KEY PERFORMANCE SNAPSHOT 3Q-2015 Assets 285 Bn 9.2% Loans 198 Bn 16.9% Deposits 169 Bn 12.5% Funds Under Management NII 5.7 Bn 4.3% Other Income 3.9 Bn 5.3% Impairment 0.5 Bn 78.2% Overheads 5.0 Bn 16.8% xx.x% : YoY Growth PAS 2.3 Bn 30.2% 5
Slide 6: Income Statement
INCOME STATEMENT LKR Mn 3rd Quarter Variance over Year – to - date Variance over 2015 2014 2014 % 2015 2014 2014 % 6,908 6,762 146 2 Gross Income 19,551 19,540 11 0 1,902 2,065 (163) (8) Net Interest Income 5,705 5,961 (256) (4) 1,575 1,309 265 20 Non Interest Income 3,908 3,712 196 5 3,477 3,374 10
Slide 7: Balance Sheet
BALANCE SHEET LKR Mn Sep - 2015 Dec - 2014 Variance % Cash & Cash Equivalents 17,720 12,737 4,983 39 Investments 66,330 73,248 (6,918) (9) Net Loans 192,400 175,236 17,164 10 Fixed Assets 2,276 2,253 23 1 Other Assets 5,985 5,656 329 6 Total Assets 284,711 269,130 15,581 6 Deposits 169,040 151,485 1
Slide 8: Key Performance Indicators
KEY PERFORMANCE INDICATORS % 2014 1Q- 2Q- 3Q- 2015 2015 2015 Return on Equity 15.78 12.42 10.21 10.55 Return on Assets 1.74 1.29 1.06 1.09 Net Interest Margin 3.33 2.94 2.79 2.75 NPL Ratio 2.51 2.49 2.64 2.74 Total Capital Adequacy Ratio 17.55 17.56 17.43 16.82 EPS (LKR) 25.14 21.12 17.54 18.25 Book
Slide 9: Revenue Analysis
REVENUE ANALYSIS LKR Mn 9M 9M % 2015 2014 Gross Income 19,551 19,540 0 Interest Income 15,643 15,829 (1) Net Fee & Commission 2,214 1,807 23 Other Income 1,694 1,905 (11) 9
Slide 10: Expenses Analysis
EXPENSES ANALYSIS LKR Mn 9M 9M % 2015 2014 Sep-2014 Interest Expenses 9,938 9,868 1 Sep-2015 Impairment 545 306 78 Operating Expenses 5,027 4,305 17 10
Slide 11: Loans & Advances
LOANS & ADVANCES 17% CAGR 28% Capital Adequacy Trend 20.7% 21.0% 17.6% 16.8% 15.8% 18.8% 12.9% 12.4% 14.2% 15.2% 10% Tier I Tier I + II Minimum Requirement (Tier I+II) 2011 2012 2013 2014 Sep-15 11
Slide 12: Asset Quality
ASSET QUALITY Gross NPL Ratio 4 NDB bank Impairment Allowance: % of Gross Loans 5.6% 3.7% N28 4.3% 4.3% Ona 3.1% 3.0% 3.2% _o. © —_ —— —o —_ 2.5% 2.5% 2.5% 2.6% 27% 3.0% 2.8% 2.7% 2.8% 2.8% —o—NDB ——NDB —o—Industry —o—Peer Avg. 2013 2014 Mar-15 Jun-15 Sep-15 2013 2014 Mar-15 Jun-15 Sep-15 A Well Div
Slide 13: Customer Deposits
CUSTOMER DEPOSITS 13% CAGR 26% Healthy Liquidity Focus: A Bank-wide CASA drive DBU FCBU Minimum Requirment Savings Rationalization Tech-driven products 20% Enhanced reach 26.2% 26.3% 22.5% 28.5% 22.0% 24.9% 26.2% 26.1% 23.9% 25.2% 22.7% 25.3% 2010 2011 2012 2013 2014 3Q 2015
Slide 14: External Recognition
EXTERNAL RECOGNITION
Slide 15: External Recognition
EXTERNAL RECOGNITION Global Finance - World's Best Banks Awards BEST EMERGING MARKETS BANKS IN ASIA PACIFIC 2015- Winner Retail/Wholesale Banking Awards 2015 - Sri Lanka • Domestic Retail Bank of the Year – Sri Lanka • Best SME Bank – Sri Lanka • Cash Management Bank of the year – Sri Lanka • Projec
Slide 16: Disclaimer
Disclaimer This document has been prepared by National Development Bank (“NDB or the “Bank”) solely for use at its presentation to potential & current investors. By accepting this document, you agree to maintain absolute confidentiality regarding the information disclosed in this document The inform
Slide 17: Thank You
THANK YOU Investor Relations Telephone : +94 112 448 448 (ext-3838) Email : investor.relations@ndbbank.com Web : www.ndbbank.com 17
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