Union Bank Of Colombo Plc · CSELK:UBC.N0000
Union Bank Of Colombo — Q2 2017 Earnings Presentation
18 slides from Union Bank Of Colombo's earnings presentation, 2017
Slide 1: Investor Presentation - 2Q 2017
Investor Presentation - 2Q 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 “The Bank has continued to achieve consolidated growth amidst market volatility, by maintaining a robust balance sheet and a healthy core banking income. We will continue to build on this core banking performance and balance sheet growth while ensuring that we continuously
Slide 6: Snapshot
Snapshot Group Performance Net Interest Income up 52% YoY to Rs. 1,868Mn Net Fee and Commission Income up 17% YoY to Rs. 392Mn Total Operating Income grew by 20% YoY to Rs.2,538Mn Profit before Tax and VAT grew by 28% YoY to Rs. 496 Mn Total Assets grew by 11% YTD to Rs. 111 Bn Bank Perfor
Slide 7: Financial Performance – Bank (Quarter)
Financial Performance – Bank (Quarter) LKR Mn 2017 2016 Growth Net interest income 793.9 534.7 259.2 48% Net fee and commission income 152.8 134.1 18.7 14% Net Trading and other Operating income 156.5 214.8 (58.2) -27% Total operating income 1,103.2 883.6 219.6 25% Operating cost 847.8 755.2 92.6 12
Slide 8: Financial Performance – Bank (YTD)
Financial Performance – Bank (YTD) LKR Mn 2017 2016 Growth Net interest income 1,560.8 978.5 582.3 60% Net fee and commission income 318.9 250.6 68.3 27% Net Trading and other Operating income 234.9 400.4 (165.5) -41% Total operating income 2,114.6 1,629.5 485.1 30% Operating cost 1,619.2 1,423.2 19
Slide 9: Revenue Generation - Bank
Revenue Generation - Bank Net Interest Income (Rs. Mn) Non Interest Income (Rs. Mn) 856 793 767 354 357 323 672 309 535 244 444 213 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 • 60% increase in Net Interest Income (NII) rose to Rs.1,561Mn for the period, despite the conti
Slide 10: Statement of Financial Position - Bank
Statement of Financial Position - Bank LKR Mn LKR Mn. Jun 2017 Dec 2016 Growth Total Assets 103,247 100,907 Treasury Assets 30,892 28,591 2,301 8% Loans & Advances 64,048 55,438 8,610 16% 93,009 Cash & Balance with CB 4,325 4,994 (669) -13% Other Assets 3,982 3,986 (4) 0% Total Assets 103,247 93,009
Slide 11: Composition of Balance Sheet
Composition of Balance Sheet Assets Composition Segmental Loan Composition LOAN COMPOSITION Loans – 62 % Retail 14% Assets Treasury Assets – 30% Corporate 48% SME 38% Funding Composition Deposits – 61% In line with the Bank’s strategy, Retail assets Funding composition have increased to 14% from 11%
Slide 12: Loan Growth & Capital Adequacy
Loan Growth & Capital Adequacy Loans and Receivables (Rs. Mn) Non Performing Asset Ratio 2.30% 64,048 61,168 2.00% 1.90% 1.90% 1.78% 55,438 1.60% 52,418 48,513 43,259 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 1Q 16 2Q 16 3Q 16 4Q 16 1Q 17 2Q 17 Capital Adequacy Ratio 26.0% • Loans and Receivables of the B
Slide 13: Deposit Growth and CASA
Deposit Growth and CASA Customer Deposits (Rs. Mn) CASA (Rs. Mn) 62,719 14,516 57,200 13,020 51,841 12,358 49,589 11,703 45,803 42,598 10,583 9,809 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 • Customer Deposits grew by 21% to Rs. 63Bn YTD. • CASA balance grew by Rs. 2.1Bn to Rs. 14.
Slide 14: Key Indicators - Bank
Key Indicators - Bank Jun 2017 Dec 2016 Return on Assets (After Tax), % 0.4% 0.6% Return on Equity (After Tax), % 2.4% 2.7% NIM 3.2% 3.1% NPL Ratio % ( Gross) 2.6% 2.4% NPL Ratio % ( net) 1.8% 1.6% Core Capital Adequacy 21.4% 22.9% Total Capital Adequacy 20.8% 22.2% 14
Slide 15: Financial Performance – Group (Quarter)
Financial Performance – Group (Quarter) LKR Mn 2017 2016 Growth Net interest income 945.3 658.2 287.1 44% Net fee and commission income 187.4 175.0 12.3 7% Net Trading and other Operating income 168.9 263.6 (94.6) -36% Total operating income 1,301.6 1,096.8 204.9 19% Operating cost 969.4 868.3 101.1
Slide 16: Financial Performance – Group (YTD)
Financial Performance – Group (YTD) LKR Mn 2017 2016 Growth Net interest income 1,867.6 1,229.2 638.3 52% Net fee and commission income 391.7 334.9 56.8 17% Net Trading and other Operating income 278.4 546.2 (267.8) -49% Total operating income 2,537.7 2,110.4 427.3 20% Operating cost 1,861.8 1,663.4
Slide 17: Statement of Financial Position - Group
Statement of Financial Position - Group Jun-17 Dec-16 Growth Treasury Assets 29,306 28,039 1,267 5% Loans & Advances 72,006 62,932 9,074 14% Other Assets 4,207 4,356 (149) -3% Cash & Balance with CB 5,618 5,205 413 8% Total Assets 111,139 100,532 10,607 11% Borrowings 23,070 22,753 317 1% Customer D
Slide 18: Corporate Information
Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Sri P. Jayendra Nayak 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. Lis
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