Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — Q1 2020 Earnings Presentation

13 slides from Union Bank Of Colombo's earnings presentation, March 2020

  1. Slide 1: Investor Presentation

    Investor Presentation March 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 up-liftment through customized banking and f

  3. Slide 3: CEO's message

    CEO’s message “We are currently operating in unprecedented conditions and are making every effort to provide our customers optimum solutions and financial support during these difficult times. The safety of our customers and staff is a top priority and we have made necessary arrangements at our work

  4. Slide 4: UBC recorded significant increase of 71% in Profit After Taxes

    UBC recorded significant increase of 71% in Profit After Taxes Growth Income Statement (Rs.Mn) 1Q 2020 1Q 2019 (%) Net Interest Income 1,031 1,013 1.7% Net Fee & Commission Income 201 219 -8.3% Net Trading & Other Operating Income 267 136 96.3% Total Operating Income 1,498 1,368 9.5% Impairment Char

  5. Slide 5: NII increased to Rs. 1,031Mn

    NII increased to Rs. 1,031Mn Net Interest Income (Rs.Mn) Gross Fees & Commission (Rs.Mn) 266 1,013 1,031 254 224 853 767 191 528 444 330 75 38 37 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 • Net Interest Income (NII) of the Bank was • Fee and commission incom

  6. Slide 6: YoY strong performance in Total Operating Income

    YoY strong performance in Total Operating Income Net Trading & Other Income Total Operating Income (Rs.Mn) (Rs.Mn) 261 267 1,498 1,368 221 1,271 1,011 136 109 766 95 78 662 453 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 • The Bank’s Treasury recorded a notabl

  7. Slide 7: Operating margin increased by 20%

    Operating margin increased by 20% Operating Margin (Rs.Mn) Operating Income (Rs.Mn) 500 1,498 450 400 350 300 453 250 200 1Q 14 1Q 20 150 100 50 - Operating Expenses (Rs.Mn) 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1,001 • Operating Margin of the Bank were Rs. 498 Mn for the period and indicated a

  8. Slide 8: Net NPL ratio is 3.37%

    Net NPL ratio is 3.37% Impairment Charge (Rs.Mn) Net NPL (%) 109 8.80% 93 93 75 58 4.97% 51 42 3.37% 3.11% 2.31% 1.90% 1.92% 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 • Stressed economic conditions that • Net NPL ratio improved to 3.37%. from prevailed withi

  9. Slide 9: Bank - Balance Sheet

    Bank - Balance Sheet Growth Balance Sheet (Rs.Mn) 1Q 2020 4Q 2019 (%) Net Loans (Rs.Mn) Treasury Assets 43,215 34,700 24.5% Loans & Advances 78,266 77,358 1.2% 78,266 Cash & Balances with CB 5,098 5,033 1.3% Other Assets 4,617 4,662 -1.0% Total Assets 131,196 121,754 7.8% 25,442 Borrowings 27,115 24

  10. Slide 10: YoY strong CASA growth of 20%

    YoY strong CASA growth of 20% Net Loans (Rs.Mn) CASA (Rs.Mn) 76,344 78,266 70,736 24,184 61,168 20,077 16,523 43,259 13,020 29,258 9,809 25,442 7,778 5,547 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 • Due to the low credit growth and the macro • Total EOP CAS

  11. Slide 11: Group's Profit After Taxes increased by 63% YoY

    Group’s Profit After Taxes increased by 63% YoY Growth Income Statement (Rs.Mn) 1Q 2020 1Q 2019 (%) Net Interest Income 1,188 1,219 -2.6% Net Loans (Rs.Mn) 85,523 Net Fee & Commission Income 226 246 -8.5% Net Trading & Other Operating Income 288 140 105.7% Total Operating Income 1,701 1,605 6.0% Imp

  12. Slide 12: Key Performance Indicators

    Key Performance Indicators BANK GROUP Item 31 Mar 2020 31 Dec 2019 31 Mar 2020 31 Dec 2019 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 15,174,914 15,286,211 15,725,245 15,810,228 Tier 1 Capital / Core Capital (Basel III) 15,174,914 15,286,211 15,725,245 15,810,228 Total Capital / T

  13. Slide 13: 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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