National Development Bank Plc · CSELK:NDB.N0000
National Development Bank — Q1 2015 Earnings Presentation
20 slides from National Development Bank's earnings presentation, 2015
Slide 1: Investor Update - 2015 Q1
4 ‘Best Bank "is in Sri Lanka’ Awarded by Global Finance of USA - 2015 VA, NDB bank Investor Update - 2015 Q1
Slide 2: Content
Content Performance Summary Asset Quality Awards and Accolades Investor forum 2 2015 Q1
Slide 3: 3
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Slide 4: 2015 Q1 Snapshot
2015 Q1 Snapshot March - 2015 LKR Mn YoY Growth Net Interest Income 1,984 6% Other Income 1,158 15% Overheads 1,561 9% Impairment (63) -151% Operating Profit 1,644 -2% Profit for Shareholders 869 -27% Loans and Advances 175,660 21% Customer Deposits 162,427 20% Total Assets 269,996 27% Investor foru
Slide 5: Income Statement
Income Statement YoY Growth Net Interest Income Vs NIM 2015 Q1 LKR Mn (%) 3.76% 2,500 3.62% 3.55% 4.00% 3.50% 2,000 2.94% Gross income 6,320 (2) 3.00% LKR Mn 1,500 2.50% Interest Income 5,162 1 2.00% 1,000 1.50% Interest Expenses 3,178 (2) 1,378 1,608 1,863 1,984 1.00% 500 0.50% Net Interest Income
Slide 6: Balance Sheet
Balance Sheet YoY Total Assets Vs ROA 5.62 2015 Q1 LKR Mn Growth 300 6 250 5 LKR Bn Cash & Cash Equivalents 200 4 12,427 150 3 Investments 73,521 1.74 100 1.39 1.29 2 Net Loans & Advances 175,660 21% 50 1 174 207 269 270 Fixed Assets 2,233 0 0 2012 2013 2014 2015Q1 Other Assets 6,155 Total Assets 26
Slide 7: Key Performance Indicators
Key Performance Indicators 2013 2014 2015 Q1 EPS vs ROE 30 20% Return on Equity 10.70% 15.78% 12.42% 15.78% 25 16% 12.42% Return on Assets 1.39% 1.74% 1.29% 20 10.70% 12% 15 Net Interest Margin 3.68% 3.33% 2.94% 10 8% 5 4% Non Performing Loans 2.48% 2.51% 2.49% 16 25 21 0 0% Total Capital Adequacy 2
Slide 8: Revenue Sources
Revenue Sources Revenue Contribution by sources 100% 80% 32% 35% 37% 42% 60% Non Interest Income 40% Net Interst Income 68% 65% 63% 58% 20% 0% 2012 Q1 2013 Q1 2014 Q1 2015 Q1 Non interest Income composition and segmental Contribution Other Trading Fee and Commision 1600 24% Corporate 1400 30% Retail
Slide 9: Operating Efficiency
Operating Efficiency 7,000 Depreciation/Amortization Administration Personal 6,000 5,000 46% 52% 4,000 48% 3,000 2,000 1,000 47% 45% 0 2012 2013 2014 2014 Q1 2015 Q1 CIR 50.5% 48.2% 45.6% 44.4% 49.7% Administrative cost represents only 45% of the total cost in 2014 leaving 55% of the expenditure f
Slide 10: Loans and Advances
Loans and Advances Loans and Advances growth YoY growth % by Segments FCY LKR 21% 45 42 Project Financing 38 % 28% 39 33 136 138 28 LKR Bn 108 111 23 Retail and SME 41 % 91 19 73 49 Corporate 5 % 2010 2011 2012 2013 2014 2014 2015 Q1 Q1 0 20 40 60 Capital Adequacy remains healthy Retail and SME Asse
Slide 11: Customer Deposits
Customer Deposits Customer deposits growth (YoY) CASA Trend CASA Term Deposits FCY LKR 100% 20% 26% 45 80% 37 30 30 60% 6 28 115 118 105 LKR Bn 100 40% 5 76 80 55 20% 0% 2010 2011 2012 2013 2014 2014 2015 2010 2011 2012 2013 2014 2015 Q1 Q1 Q1 Customer deposits YTD growth % against peers Liquidity r
Slide 12: Asset Quality
Asset Quality
Slide 13: Asset Quality
Asset Quality NPL trend Vs industry trend Trend in provision coverage 4,500.0 100% 5.4% 5.6% 4,000.0 75% 75% 3,500.0 80% 4.2% 62% 3.8% 3.7% 3,000.0 54% 51% 50% 60% 2,500.0 45% 46% 2.5% 41% 2.5% 2.5% 2,000.0 35% 1.9% 33% 40% LKR Mn 1.4% 1.3% 1,500.0 1,000.0 20% 500.0 1,355 1,364 1,558 3,490 4,498 4,4
Slide 14: Awards and Accolades
Awards and Accolades
Slide 15: Best Bank in Sri Lanka
'Best Bank in Sri Lanka' Awarded by Global Finance of USA - 2015
Slide 16: Global Recognition
Global Recognition Awards Description Conferred by the Banker Magazine of UK to just one global winner each year, the Banker Financial Inclusion Award recognized the Bank’s efforts towards promoting financial inclusion, Award 2014 particularly our innovative and comprehensive efforts in promoting li
Slide 17: Global Recognition
Global Recognition Awards Description Domestic Retail Bank of the Collecting twin recognition for the second consecutive year at the Year - Sri Lanka Asian Banking and Finance Retail Banking Awards held in Singapore, the Bank also won a third award for ‘Core Banking SME Bank of the Year - Sri System
Slide 18: Visit our Web site: www.ndbbank.com Investor Relations
Visit our Web site : www.ndbbank.com Investor Relations 18
Slide 19: Disclaimer
Disclaimer This document has been prepared by National Development Bank (“NDB or the “Bank”) solely for use at its presentation to potential & current investors. By accepting this document, you agree to maintain absolute confidentiality regarding the information disclosed in this document The in
Slide 20: Q & A Session
Q & A Session
National Development Bank — Q1 2015 Earnings Presentation on 6ix