UBL Largest Bank in Pakistan скачать в хорошем качестве

UBL Largest Bank in Pakistan

Questions & Answers from CFO UBL Financial and factual parameters of UBL • The bank’s total deposits stood at Rs. 1.85 trillion as on 30-06-2021 • Current deposits at Rs 803.6 billion, Savings Deposits at Rs. 719.9 billion • Number of Branches - Total branches of 1,361 - 1,348 in Pakistan and 13 outside Pakistan • No. of ATM's - 1,435 ATMs • AD Ratio (Advance to Deposit Ratio) - Gross ADR Ratio of 34% Why has your lending decreased as compared to your last year results? UBL’s net advances stood at Rs. 557 bln, growing by 5% since Dec’20. The Bank’s lending strategy is centered around maintaining good asset quality levels while maximising relationship yields. The bank has enhanced its credit standards to curtail any new significant NPL formation. Within the international business, we have reduced our loan book in recent years as part of our deliberate strategy to de-risk the balance sheet as we had incurred significant provision losses over the past couple of years. However, as the economy gradually normalises to pre pandemic levels, the bank is actively looking to expand its loan book within acceptable risk parameters. We have also recently made structural changes to enhance coverage within the SME space while we are also looking to expand within the growing Islamic segment. Furthermore, we have redefined our business model within International towards more trade and FI based lending as well as loans to established relationships with good credit histories. You will see in the coming months that our loan book will grow. Why is there too much reliance on Govt Securities and PIBs Govt securities provide a safe and secure investment opportunity and carries no risk as it is guaranteed by the government. Furthermore, market deposits grew by 11% since Dec’20 while market advances have only grown by 6% over the same period whereas UBL has grown its domestic deposits base by 16%, well ahead of the market. The bank has high credit standards and excess liquidity is deployed in government securities earning strong and stable yields.   NPL's Outstanding Total outstanding NPLs stood at Rs 82.1 bln at 30-Jun’21, declining by Rs 1.6 bln since Dec’20 In which ways are you ahead of HBL and why do you call yourself the largest bank of Pakistan.? For the six months 2021 results we have performed better than HBL in a number of key metrics: • Deposits Growth - Although HBL has a larger deposits base, UBL’s deposits grew by 20% whereas HBL’s deposits grew by 17% • Cost of deposits - UBL has a better domestic cost of deposits at 3.4% compared to HBL’s estimated at 3.7% • PBT growth - UBL’s profits grew by 37% YoY while HBL’s PBT grew by 20% • EPS - UBL’s EPS was measured at Rs 12.25 compared to HBL’s Rs 11.92 • Dividend Payout - UBL’s dividend for H1’21 is Rs 8.0 compared to HBL’s Rs 3.5 • Cost to income ratio - UBL’s cost to income is lower at 44.6% compared to HBL’s 55.9%