Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — Q1 2019 Earnings Presentation

13 slides from Union Bank Of Colombo's earnings presentation, 2019

  1. Slide 1: Investor Presentation 1st Quarter of 2019

    Investor Presentation 1st Quarter of 2019 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 up liftment through customized banking and f

  3. Slide 3: CEO's message

    CEO’s message “We have got a very positive start to the year 2019 with significant growth in the core banking operations. However the macro environmental conditions are very challenging which will have an impact going forward. We will continue to build on this solid foundation, with focused efforts

  4. Slide 4: 62% growth in Results from operating activities

    62% growth in Results from operating activities Income Statement (Rs.Mn) 1Q 2019 1Q 2018 YoY G% Net interes t income 1,013 853 19% Net fee a nd commis s ion income 219 197 11% Net Tra ding a nd other Opera ting income 136 221 -38% Total operating income 1,368 1,271 8% Opera ting cos t 955 938 2% Ope

  5. Slide 5: NII & Fees increased by 19% YoY

    NII & Fees increased by 19% YoY Net Interest Income (Rs.Mn) Fees & Commission (Rs.Mn) 266 1,013 224 853 767 191 528 444 330 75 38 37 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 • Continuous focus on revenue optimisation through • Fee and commission income grew by 19%. por

  6. Slide 6: Operating expenses increased only by 2%

    Operating expenses increased only by 2% Net Trading & Other (Rs.Mn) Operating Expenses (Rs.Mn) 261 938 955 221 771 672 136 546 109 95 78 358 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 • Capital gains from government securities for the • Total Operating Expenses were prud

  7. Slide 7: Operating margin increased by 24%

    Operating margin increased by 24% Operating Margin (Rs.Mn) Operating Income (Rs.Mn) 1,368 450 400 350 453 300 250 1Q 14 1Q 19 200 150 Operating Expenses (Rs.Mn) 100 955 50 - 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 358 • The Total Operating Income of the Bank represented a growth of 8% YoY. Total Operati

  8. Slide 8: Impairment charge reduced by 53%

    Impairment charge reduced by 53% Impairment Charge (Rs.Mn) Net NPL (%) 109 8.80% 93 75 58 4.97% 51 42 3.11% 2.31% 1.90% 1.92% 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 • Impairment charge for the period reduced by 53% • The Bank continued to focus on asset quality with

  9. Slide 9: Bank balance sheet

    Bank balance sheet Balance Sheet (Rs.Mn) 1Q 2019 2018 Growth % Trea s ury As s ets 38,329 40,884 -6% Loa ns & Adva nces 76,279 73,749 3% Net Loans (Rs.Mn) Ca s h & Ba l a nce wi th CB 5,863 7,138 -18% 76,279 Other As s ets 4,152 4,149 0% Total Assets 124,624 125,920 -1% 70,736 Borrowi ngs 27,727 28,

  10. Slide 10: CASA growth of 22%

    CASA growth of 22% Net Loans (Rs.Mn) CASA (Rs.Mn) 76,279 70,736 20,077 61,168 16,523 13,020 43,259 9,809 29,258 7,778 25,442 5,547 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 • The Bank’s loans and receivables increased by • Total CASA grew by 22% YoY. Maintaining a Rs.2,

  11. Slide 11: Group's profit before all taxes increased by 31%

    Group’s profit before all taxes increased by 31% Income Statement (LKR.Mn) 1Q 2019 1Q 2018 Growth % Net interes t income 1,219 1,041 17.1% Net fee a nd commis s ion income 246 238 3.8% Net Loans (Rs.Mn) Net Tra ding a nd other Opera ting income 140 228 -38.6% 84,598 Total operating income 1,605 1,50

  12. Slide 12: Key performance indicators

    Key performance indicators BANK GROUP Key Performance Indicators 31 Mar 2019 31 Dec 2018 31 Mar 2019 31 Dec 2018 Regulatory Capital Ratios (%) Common Equity Tier 1 Capital Ratio (Minimum Requirement 2019 - 7%, 2018 - 6.375% ) 16.88% 17.41% 16.01% 16.47% Tier 1 Capital Ratio (Minimum Requirement 2019

  13. Slide 13: Corporate Information

    Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Sri Atul Malik Chairman/Non-Ind. Non-Exec. Director Lanka under the Companies Act No. 17 of 1982. Re- Priyantha Fernando Deputy Chairman/ Ind. Non Exec. Director registered under the Com

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