Union Bank Of Colombo Plc · CSELK:UBC.N0000
Union Bank Of Colombo — Q4 2016 Earnings Presentation
19 slides from Union Bank Of Colombo's earnings presentation, 2016
Slide 1: Investor Presentation 4Q 16
Investor Presentation 4Q 16 00000000000000000000000000000 00000000000000000000000000000 000 1
Slide 2: Vision
Vision We are geared to deliver a bold new world 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 2
Slide 3: Mission
Mission To our customers we provide the means of economic up-liftment through customized banking and financial services. To our shareholders we provide a return on their investment above industry norm. To our staff we are a learning and innovative organization providing opportunities for faste
Slide 4: Key Company Milestones
Key Company Milestones 1995-2000 2001-2010 2011-2013 2014-2016 Established as the 8th Restructuring of the Bank Listed in the CSE, TPG through its affiliate Indigenous Commercial through a Sampath Bank Highest oversubscribed Culture Finance Holding Bank led consortium IPO strikes landmark deal with
Slide 5: 2016 Key Milestones
2016 Key Milestones BBB (Stable) rating from ICRA Centralization of Account Openings & Fitch changed outlook stable to Workflow Management positive Cash Management System Re-Launched an improved Online Implemented Banking platform 24 Hour Contact Centre as well as Re-launched “Kidz Saver Account” In
Slide 6: Financial Overview - Bank
Financial Overview - Bank “During a year of change and flux in the macro-economic environment, the Bank has remained resilient and recorded noteworthy, sustainable financial performance which endorses the focused strategic direction of the Bank, and augurs well for the expansion plans of Union Bank.
Slide 7: Snapshot 4Q 16
Snapshot 4Q 16 Group • Post-tax Profit grows 117 % YoY to Rs.553Mn • Total Assets crosses Rs. 100 Bn boundary in a landmark achievement Bank • Post-tax Profit grows 103% YoY to Rs.451Mn • Total Operating Income grows by 33% YoY to Rs.3,737Mn • Total Assets grow by 31% YTD to Rs.93,009Mn • Net Loans
Slide 8: Financial Performance (Quarter) – Bank
Financial Performance (Quarter) – Bank LKR Mn 4Q 16 4Q 15 Growth Net Interest Income 856 484 372 76.9% Net Fee and commission income 151 100 51 51.6% Net Trading and other operating 61 168 (107) (63.5%) income Total Operating income 1,069 752 317 42.1% Operating Cost 782 614 (168) (27.4%) Impairment
Slide 9: Financial Performance (YTD) – Bank
Financial Performance (YTD) – Bank LKR Mn YTD 16 YTD 15 Growth Net Interest Income 2,507 2,022 485 24.0% Net Fee and commission income 575 344 231 67.3% Net Trading and other operating income 656 445 211 47.3% Total Operating income 3,737 2,810 927 33.0% Operating Cost 3,009 2,319 (689) (29.7%) Impa
Slide 10: Revenue Generation (Quarterly) – Bank
Revenue Generation (Quarterly) – Bank Net Interest Income Net Fees and Commission LKR Mn 856 LKR Mn 151 672 100 66 67 535 62 59 528 511 498 484 444 30 25 1Q 15 2Q 15 3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 1Q 15 2Q 15 3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16 Other Non-Interest Income LKR Mn 295 290 261 168 1
Slide 11: Statement of financial position – Bank
Statement of financial position – Bank Total Assets (LKR Mn) LKR Mn Dec 16 Dec 15 Growth 93,009 Treasury Assets 27,771 24,105 3,667 15.2% 70,999 Loans & Advances 56,259 40,484 15,775 39.0% Non Earning assets 3,984 3,600 384 10.7% Dec 15 Dec 16 Cash & Balance with CB 4,994 2,811 2,183 77.7% Total Ass
Slide 12: Composition of the Balance Sheet
Composition of the Balance Sheet Assets Composition Segmental dispersion of Loans 11% Loans – 60.5% 47% Assets 42% Treasury Assets – 29.9% Corporate SME Retail Funding Composition Product composition of Deposits 5% 7% 17% Deposits – 55.7% Demand deposits Savings deposits Funding Fixed deposits Other
Slide 13: Loan Growth & Capital Adequacy
Loan Growth & Capital Adequacy Loans and Receivables Net NPL 7.8% 55,438 7.4% LKR Mn 52,418 48,513 43,259 40,095 4.5% 25,945 23,462 3.0% 20,024 2.7% 16,902 2.3% 2.0% 1.9% 1.6% 2011 2012 2013 2014 2015 1Q 16 2Q 16 3Q 16 4Q 16 2011 2012 2013 2014 2015 1Q 16 2Q 16 3Q 16 4Q 16 Capital Adequacy 45% 40% 3
Slide 14: Deposit Growth & CASA
Deposit Growth & CASA Customer Deposits LKR Mn 51,841 49,589 45,803 42,598 37,653 28,340 27,809 23,642 19,345 2011 2012 2013 2014 2015 1Q16 2Q16 3Q16 4Q16 CASA LKR Mn 11,703 12,358 10,583 9,809 9,039 6,924 5,262 5,441 4,752 CASA grows by 37% to Rs. 3,319Bn YTD. 2011 2012 2013 2014 2015 1Q16 2Q16 3Q1
Slide 15: Key Indicators - Bank
Key Indicators - Bank Dec YTD Dec YTD Performance Indicators 16 15 Return on Equity 2.7% 1.3% Return on Assets 0.6% 0.4% Net Interest Margin 3.5% 4.4% Gross - Non Performing Loans 2.4% 3.6% Net - Non Performing Loans 1.6% 2.7% Core Capital Adequacy Ratio 22.9% 24.7% Total Capital Adequacy 22.4% 24.2
Slide 16: Financial Performance (Quarter) – Group
Financial Performance (Quarter) – Group LKR Mn 4Q 16 4Q 15 Growth Net Interest Income 985 607 378 62.4% Net Fee and commission income 195 141 53 37.7% Net Trading and other operating income 53 173 (121) (69.6%) Total Operating income 1,232 921 311 33.8% Operating Cost 901 733 (168) (22.9%) Impairmen
Slide 17: Financial Performance (YTD) – Group
Financial Performance (YTD) – Group Dec YTD Dec YTD LKR Mn Growth 16 15 Net Interest Income 3,020 2,440 580 23.8% Net Fee and commission income 742 506 236 46.6% Net Trading and other operating income 816 474 342 72.2% Total Operating income 4,578 3,420 1,158 33.9% Operating Cost 3,487 2,732 (756) (
Slide 18: Statement of financial position – Group
Statement of financial position – Group LKR Mn Dec 16 Dec 15 Growth Total Assets (LKR Mn) Treasury Assets 27,218 23,649 3,569 15.1% 100,533 Loans & Advances 63,752 45,838 17,914 39.1% 76,545 Non Earning assets 4,356 4,042 314 7.8% Cash & Balance with CB 5,205 3,015 2,190 72.6% Dec 15 Dec 16 Total As
Slide 19: Board of Directors and Leadership Team
Board of Directors and Leadership Team Board of Directors Legal Form A Public Limited Liability Company incorporated in Sri Name Title Lanka under the Companies Act No. 17 of 1982. Re- P. Jayendra Nayak Chairman registered under the Companies Act No. 7 of 2007. Listed Asoka de Silva Deputy Chairman
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