Union Bank Of Colombo Plc · CSELK:UBC.N0000
Union Bank Of Colombo — Q3 2021 Earnings Presentation
15 slides from Union Bank Of Colombo's earnings presentation, September 2021
Slide 1: Investor Presentation
Investor Presentation September 2021 1
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 upliftment through customized banking and fi
Slide 3: CEO's message
CEO’s message “The 3rd quarter results reflect the challenges faced by the Bank and the industry against the highly volatile operating environment. We have continued to place a steady focus on maintaining a healthy liquidity position throughout, while supporting our customers to navigate through the
Slide 4: Performance Snapshot 3Q 2021
Performance Snapshot 3Q 2021 Income Statement (Rs.Mn) 9M 2021 9M 2020 Growth % Net i nteres t i ncome 3,078 3,047 1% Net fee a nd commi s s i on i ncome 612 467 31% Net Tra di ng a nd other Opera ti ng i ncome 706 1,129 -37% Total operating income 4,397 4,643 -5% Impa i rment Cha rges 576 562 2% Ope
Slide 5: Fee income growth of 31% YoY
Fee income growth of 31% YoY Net Interest Income (Rs.Mn) Net Fees & Commission (Rs.Mn) 3,466 624 612 578 3,047 3,078 2,722 495 467 2,319 1,651 1,538 1,166 188 120 93 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 • Marginal growth in NII • 31% YoY gro
Slide 6: Operating Expenses declined by 4% YoY
Operating Expenses declined by 4% YoY Net Trading & Other (Rs.Mn) Operating Expenses (Rs.Mn) 1,129 2,960 2,821 2,855 2,730 846 2,454 2,232 706 609 1,706 547 483 414 1,185 301 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 • Drop in trade and other inc
Slide 7: Operating Margin
Operating Margin Operating Margin (Rs.Mn) 2,000 Operating Income (Rs.Mn) 1,800 4,397 1,600 1,400 1,559 1,200 1,000 9M 14 9M 21 800 600 400 Operating Expenses (Rs.Mn) 2,730 200 - 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 1,185 • Total Operating Income reduced by 5% YoY to Rs. 4,397 Mn. 9M 14 9M
Slide 8: Gross NPL Ratio improved to 5.79%
Gross NPL Ratio improved to 5.79% Impairment (Rs.Mn) Gross NPL (%) 11.57% 562 576 354 5.79% 5.22% 5.48% 278 214 4.01% 212 3.57% 2.73% 2.53% 137 39 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 9M 14 9M 15 9M 16 9M 17 9M 18 9M 19 9M 20 9M 21 • Impairment Charge increased by 2% YoY; • The gross NPL
Slide 9: Balance Sheet - Bank
Balance Sheet - Bank Balance Sheet (Rs.Mn) 3Q 2021 4Q 2020 Growth % Trea s ury As s ets 36,845 47,735 -23% Loa ns & Adva nces 69,708 67,518 3% Net Loans (Rs.Mn) Ca s h & Ba l a nce wi th CB 6,585 3,144 109% 69,708 Other As s ets 5,543 4,547 22% Total Assets 118,682 122,943 -3% 24,059 Borrowi ngs 13,
Slide 10: Average CASA growth of 9%
Average CASA growth of 9% Net Loans (Rs.Mn) Deposits (Rs.Mn) 85,259 74,998 82,384 71,647 76,143 74,707 67,391 67,518 69,708 67,398 52,418 49,589 38,065 41,269 28,557 24,059 3Q 14 3Q 15 3Q 16 3Q 17 3Q 18 3Q 19 3Q 20 3Q 21 3Q 14 3Q 15 3Q 16 3Q 17 3Q 18 3Q 19 3Q 20 3Q 21 CASA (Rs.Mn) • Total average CA
Slide 11: Capital Adequacy ratio is 15.20%
Capital Adequacy ratio is 15.20% • Capital Adequacy Ratio - The Bank continued to maintain high capital adequacy ratios. - The ratio as at end Sep 2021 was 15.20% - well above the statutory requirement of 12%. • Liquidity Coverage - The Bank maintains a very strong position of LKR Liquidity. - Opera
Slide 12: Income Statement - Group
Income Statement - Group Income Statement (Rs.Mn) 9M 2021 9M 2020 Growth % Net i nteres t i ncome 3,696 3,507 5% Net fee a nd commi s s i on i ncome 697 533 31% Net Tra di ng a nd other Opera ti ng i ncome 764 1,185 -36% Total operating income 5,157 5,224 -1% Impa i rment Cha rges 738 726 2% Opera t
Slide 13: Balance Sheet - Group
Balance Sheet - Group Balance Sheet (Rs.Mn) 3Q 2021 4Q 2020 Growth % Trea s ury As s ets 36,914 47,366 -22% Loa ns & Adva nces 75,893 73,777 3% Net Loans (Rs.Mn) Ca s h & Ba l a nce wi th CB 6,658 3,571 86% 75,893 Other As s ets 5,697 4,857 17% Total Assets 125,163 129,570 -3% 26,881 Borrowi ngs 15,
Slide 14: Key Performance Indicators
Key Performance Indicators BANK GROUP Item 30 Sep 2021 31 Dec 2020 30 Sep 2021 31 Dec 2020 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 13,751,223 15,415,491 14,958,429 16,024,248 Tier 1 Capital / Core Capital (Basel III) 13,751,223 15,415,491 14,958,429 16,024,248 Total Capital / T
Slide 15: 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/Ind. Non-Exec. Director Deputy Chairman/Senior Independent Re-registered under the Companies Act No. 7 of Trevine Fe
Union Bank of Colombo — Q3 2021 Earnings Presentation on 6ix