Union Bank Of Colombo Plc · CSELK:UBC.N0000
Union Bank Of Colombo — Q3 2017 Earnings Presentation
18 slides from Union Bank Of Colombo's earnings presentation, 2017
Slide 1: Investor Presentation - 3Q 2017
Investor Presentation - 3Q 2017 1
Slide 2: 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”. 2 2
Slide 3: Mission
Mission To our customers we provide the means of economic upliftment through customized banking and financial services. To our shareholders we provide a return on their investment above industry norm. To our staff we are a learning and innovative organization providing opportunities for faster
Slide 4: Key Company Milestones
Key Company Milestones 1995-2010 2011-2013 2014-2016 2017 onwards Established as the 8th Listed in the CSE, TPG through its affiliate UB Brand was ranked 6 Indigenous Commercial Highest oversubscribed Culture Finance Holding notches above in the Bank IPO strikes landmark deal with Top 100 Brands lis
Slide 5: Financial Overview - Bank
Financial Overview - Bank “I am happy to share this impressive performance up to the end of the 3rd quarter for Union Bank, which is a clear affirmation of the Bank’s focused strategy to win market share through profitable and inclusive expansion in terms of product portfolios, geographic reach and
Slide 6: Snapshot
Snapshot Group Performance Net Interest Income up 37% YoY to Rs. 2,789Mn Net Fee and Commission Income up 14% YoY to Rs. 607Mn Total Operating Income grew by 18% YoY to Rs. 3,943Mn Profit before Tax grew by 26% YoY to Rs. 560Mn Total Assets grew by 24% YTD to Rs. 124,648Mn Bank Performance
Slide 7: Financial Performance – Bank (Quarter)
Financial Performance – Bank (Quarter) LKR Mn 2017 3Q 2016 3Q Growth Net interest income 757.8 672.3 85.5 13% Net fee and commission income 176.4 157.6 18.7 12% Net trading & operating income 180.2 77.7 102.5 132% Total operating income 1,182.0 1,023.8 158.2 15% Operating cost 835.1 787.6 47.4 6% Pr
Slide 8: Financial Performance – Bank (YTD)
Financial Performance – Bank (YTD) LKR Mn 2017 3Q 2016 3Q Growth Net interest income 2,318.7 1,650.8 667.8 40% Net fee and commission income 495.2 408.2 87.0 21% Net trading & other operating income 300.7 355.5 -54.8 -15% Total operating income 3,296.6 2,653.3 643.3 24% Operating cost 2,454.3 2,210.
Slide 9: Revenue Generation - Bank
Revenue Generation - Bank Net Interest Income (Rs. Mn) Non Interest Income (Rs. Mn) 424 856 354 351 767 793 323 757 309 672 244 535 213 444 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 3Q 17 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 3Q 17 • The Net Interest Income (NII) rose to Rs. 2, 318Mn in the 3rd quarter of 2
Slide 10: Statement of Financial Position - Bank
Statement of Financial Position - Bank LKR Mn. Sep 2017 Dec 2016 Growth LKR Mn Total Assets 116,313 Treasury Assets 28,691 20,845 7,846 38% 93,009 100,907 103,247 Loans & Advances 76,405 63,186 13,219 21% Cash & Balance with CB 6,883 4,994 1,889 38% Other Assets 4,335 3,984 351 9% Total Assets 116,3
Slide 11: Composition of Balance Sheet
Composition of Balance Sheet Assets Composition Segmental Loan Composition Loans – 66 % Assets Treasury Assets – 25% Funding Composition Deposits – 58% In line with the Bank’s strategy, Retail assets Funding composition have increased to 17% from 11% in the previous year. Treasury Borrowings – 25% 1
Slide 12: Loan Growth & Capital Adequacy
Loan Growth & Capital Adequacy Loans and Receivables (Rs. Mn) Non Performing Asset Ratio 2.30% 67,391 64,047 61,168 2.00% 55,438 1.90% 1.90% 52,418 1.78% 48,513 1.60% 1.66% 43,259 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 3Q 17 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 3Q 17 Capital Adequacy Ratio Capital Adequ
Slide 13: Deposit Growth and CASA
Deposit Growth and CASA Customer Deposits (Rs. Mn) CASA (Rs. Mn) 15,229 14,516 67,397 62,719 13,020 12,358 57,200 11,703 51,841 10,583 49,589 9,809 45,803 42,598 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 • Customer Deposits grew by 30% to YTD Rs. 67.4Bn YTD. • CASA balanc
Slide 14: Key Indicators - Bank
Key Indicators - Bank Sep 2017 Dec 2016 Return on Assets (After Tax), % 0.4% 0.6% Return on Equity (After Tax), % 2.6% 2.6% NIM 2.9% 3.1% NPL Ratio % ( Gross) 2.5% 2.4% NPL Ratio % ( net) 1.7% 1.6% Core Capital Adequacy 19.0% Total Capital Adequacy 19.0% 14
Slide 15: Financial Performance – Group (Quarter)
Financial Performance – Group (Quarter) LKR Mn 2017 3Q 2016 3Q Growth Net interest income 921.8 806.2 115.6 14% Net fee and commission income 215.7 196.9 18.9 10% Net Trading and other Operating income 268.1 217.2 50.9 23% Total operating income 1,405.6 1,220.3 185.3 15% Operating cost 960.2 907.3 5
Slide 16: Financial Performance – Group (YTD)
Financial Performance – Group (YTD) LKR Mn 2017 2016 Growth Net interest income 2,789.4 2,035.5 753.9 37% Net fee and commission income 607.4 531.8 75.6 14% Net Trading & other Operating income 546.5 763.4 (216.9) -28% Total operating income 3,943.3 3,330.6 612.7 18% Operating cost 2,821.9 2,570.7 2
Slide 17: Statement of Financial Position - Group
Statement of Financial Position - Group LKR Mn Sep-17 Dec-16 Growth Treasury Assets 28,869 21,299 7,570 36% Loans & Advances 83,797 69,671 14,126 20% Other Assets 4,544 4,356 188 4% Cash & Balance with CB 7,437 5,205 2,232 43% Total Assets 124,649 100,533 24,116 24% Borrowings 31,318 23,716 7,602 32
Slide 18: Corporate Information
Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Sri Atul Malik Chairman Lanka under the Companies Act No. 17 of 1982. Re- Priyantha Fernando Deputy Chairman/ Senior Director registered under the Companies Act No. 7 of 2007. Listed Ind
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