Union Bank Of Colombo Plc · CSELK:UBC.N0000

Union Bank Of Colombo — Q1 2022 Earnings Presentation

14 slides from Union Bank Of Colombo's earnings presentation, March 2022

  1. Slide 1: Investor Presentation

    Investor Presentation March 2022 1

  2. 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

  3. Slide 3: Union Bank sustains resilience in 1Q2022

    Union Bank sustains resilience in 1Q2022 Income Statement (Rs.Mn) 1Q 2022 1Q 2021 Inc/Dec (%) Net Interest Income 1,091 985 10.7% Net Fee & Commission Income 255 216 18.5% Net Trading & Other Operating Income 309 320 -3.4% Total Operating Income 1,655 1,521 8.8% Impairment Charge 288 196 46.8% Total

  4. Slide 4: Net fee income increased by 18.5%

    Net fee income increased by 18.5% Net Interest Margin was 3.51% Net fee income increased by 18.5% • Net Interest Income (NII) increased by 11% • Increase is primarily from Credit owing to improved yields from the repricing and Debit Cards, and the increased of the asset portfolio and prudent activit

  5. Slide 5: Operating Expenses increased by 8% YoY

    Operating Expenses increased by 8% YoY • Other Operating Income decreased by 4% due • The Operating Expenses of the Bank increased to to the lack of liquidity & volatility in the LKR 983Mn mainly impacted by depreciation and Government Securities market. other expenses. 5

  6. Slide 6: Operating Margin increased by 9.4% YoY

    Operating Margin increased by 9.4% YoY Operating Income (Rs.Mn) 1,655 CAGR 20% 453 1Q 14 1Q 22 Operating Expenses (Rs.Mn) 983 CAGR 16% • Total operating income increased by 8.8% to Rs. 1,655 Mn 358 • Total operating expenses increased by 8.4% YoY to Rs. 983 Mn 1Q 14 1Q 22 • Resultantly, operating ma

  7. Slide 7: Stage 3 loans ratio is at 4.82%

    Stage 3 loans ratio is at 4.82% Impairment Charge (Rs.Mn) Gross NPL (%) 9.28% 288 196 5.75% 5.85% 5.11% 4.82% 4.32% 109 3.28% 93 93 2.73% 3.01% 75 58 51 42 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 21 1Q 22 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 21 1Q 22 Impairment Charge increased by 47% Y

  8. Slide 8: Balance Sheet - Bank

    Balance Sheet - Bank Growth Balance Sheet (Rs.Mn) Mar 2022 Dec 2021 (%) Net Loans (Rs.Mn) Treasury Assets 41,585 39,129 6.3% 75,479 Loans & Advances 75,479 67,835 11.3% Cash & Balances with CB 4,285 3,815 12.3% Other Assets 8,529 7,627 11.8% 25,442 Total Assets 129,878 118,406 9.7% Borrowings 18,134

  9. Slide 9: CASA ratio stood at 30.4%

    CASA ratio stood at 30.4% Net Loans (Rs.Mn) Deposits (Rs.Mn) 83,829 91,226 76,344 78,266 75,479 83,924 70,736 71,609 77,897 61,168 69,038 57,200 43,259 42,598 29,258 25,442 29,711 29,805 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 21 1Q 22 1Q 14 1Q 15 1Q 16 1Q 17 1Q 18 1Q 19 1Q 20 1Q 21 1Q 22 CASA

  10. Slide 10: Strong Capital Adequacy ratio of 14.45%

    Strong Capital Adequacy ratio of 14.45% • Capital Adequacy Ratio - The Bank continued to maintain high capital adequacy ratios. - The total capital ratio as at 1Q 2022 was 14.45% - well above the statutory minimum requirement of 12%. • Liquidity Coverage - Both LKR and the USD liquidity remains at c

  11. Slide 11: Income Statement - Group

    Income Statement - Group Inc/Dec Income Statement (Rs.Mn) 1Q 2022 1Q 2021 (%) Net Interest Income 1,408 1,223 15.1% Net Fee & Commission Income 271 244 11.0% Net Trading & Other Operating Income320 341 -6.0% Total Operating Income 1,999 1,808 10.6% Impairment Charge 317 238 33.2% Total Operating Exp

  12. Slide 12: Balance Sheet - Group

    Balance Sheet - Group Growth Net Loans ( Rs Mn) Balance Sheet (Rs.Mn) Mar 2022 Dec 2021 (%) 83,468 Treasury Assets 41,638 39,142 6.4% Loans & Advances 83,468 75,304 10.8% Cash & Balances with CB 4,512 3,963 13.8% Other Assets 6,514 5,684 14.6% Total Assets 136,132 124,093 9.7% 29,218 Borrowings 17,7

  13. Slide 13: Key Performance Indicators

    Key Performance Indicators BANK GROUP Item 31 Mar 2022 31 Dec 2021 31 Mar 2022 31 Dec 2021 Regulatory Capital - Rs '000 Common Equity Tier 1 (Basel III) 12,330,375 13,292,787 14,399,132 15,267,994 Tier 1 Capital / Core Capital (Basel III) 12,330,375 13,292,787 14,399,132 15,267,994 Total Capital / T

  14. Slide 14: Corporate Information

    Corporate Information Board of Directors Legal Form Name Title A Public Limited Liability Company incorporated in Chairman/Non-Independent, Non-Executive Sri Lanka under the Companies Act No. 17 of 1982. Atul Malik Director Re-registered under the Companies Act No. 7 of Deputy Chairman/Senior Indepe

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