United Bank Limited · PSX:UBL
United Bank — H1 2023 Earnings Presentation
10 slides from United Bank's earnings presentation, Jun 1, 2023
Slide 1: Investor Presentation H1 2023
Investor Presentation H1 2023 Performance Highlights and Business Outlook Arif Akmal Saifie Chief Financial Officer
Slide 2: Overview of the UBL Group
Overview of the UBL Group | We are one of the largest and most profitable banks in Pakistan Over 60 years of successful operational Highly experienced senior management history team with diversified experience of large Market leading positions in core segments local and global banking institutions D
Slide 3: H1'23 Results - Consolidated
H1’23 Results - Consolidated| Consistent growth supported by strong NII with cost control Rs in bln Rs in bln Margin expansion grows earnings with strong fee buildup Description Var % Var % 1H'23 1H'22 Q2'23 Q1'23 ▪ Total revenues at Rs. 85.1 billion for H1’23, with an increase of 36% YoY. Interest
Slide 4: BS Review - Consolidated
BS Review - Consolidated| Building efficiencies in deposit base with growth in assets Rs in bln Description Var % Domestic Deposits Performance - led by Branch Banking Group Jun'23 Dec'22 Advances 916 1,096 -16% ▪ Focus remains on better service and expansion in footprint Investments 1,857 1,451 28%
Slide 5: Strong profitability maintained | UBL repositions to achieve larger aspirations
Strong profitability maintained | UBL repositions to achieve larger aspirations 200 Trends - KSE 100 Index and UBL’s share price 50 Equity and Book Values - consolidated Rs in bln 249 180 45 228 229 208 160 191 169 40 204 140 187 187 170 35 156 120 138 100 30 Price at 26-July-2023: Rs. 158 80 25 Mar
Slide 6: Digital Banking Group
Digital Banking Group | Focus on growing digital payment services across wider target market Digital Payments over Rs 2.1 tln in YTD Digital Registrations Jun’23, up 84% YoY Digital Penetration levels continue to improve 3.7 M YoY 27% No. of transactions in Millions 45.0 Amount in Billions (Rs) 2,
Slide 7: Awards & Recognitions
Awards & Recognitions ASIAMONEY PAKISTAN BANKING AWARDS PAKISTAN DIGITAL AWARDS CONSUMER CHOICE AWARD “Best Digital Bank Pakistan 2020” “Best Digital Banking Award 2020” “Best Emerging Technology Award 2021” “Bank with best Digital Services in “Best Digital Bank Pakistan 2021” “Best Digital Bank Pak
Slide 8: UBL Digital – we continue to build our proposition
UBL Digital – we continue to build our proposition…. Digital Cheque Deposit UBL Digital Watch App UBL Urooj Account With the UBL digital watch app, you can now check UBL Urooj Account - One of a kind current account Deposit a Cheque via the UBL digital mobile your account balance, view transaction h
Slide 9: We are embedding ESG into UBL's Strategy
We are embedding ESG into UBL’s Strategy…. Some key themes Environmental Social Governance The Social aspect We keep interests of our stakeholders at includes and goes beyond our CSR activities to Our ESG agenda guides us in making include development of people-centric policies and practices, and me
Slide 10: Important Information
Important Information The information contained herein reflects our latest business statement as at June 30, 2023. Except the historical information contained herein, statements in this Release which contain words or phrases such as ‘will’, ‘would’, ‘indicating’ expected to’ etc., and similar expres