UOB Group Full Year 2010
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1 UOB Group Full Year Financial Highlights Lee Wai Fai Chief Financial Officer 25 February 2011 Disclaimer : This material that follows is a presentation of general background information about the Bank s activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. This material should be considered with professional advice when deciding if an investment is appropriate. UOB Bank accepts no liability whatsoever with respect to the use of this document or its content. 1 Singapore Company Reg No Z
2 Record Profit of $2.7 billion Strong Fee Income Offset Pressure on NII Net interest income Fee and commission income Other non-interest income Total income Less: Total expenses Operating profit Less: Intangible assets amortised Individual impairment loans Individual impairment other assets Collective impairment Add: Share of profit of associates Less: Tax & minority interests Net Profit After Tax (NPAT) 3,532 1,163 1,105 5,800 2,258 3, ,696 3, ,405 2,074 3, ,902 (3.9) (68.6) >100.0 (53.4)
3 Quarter Profit Higher at $706 million 4Q10 3Q10 4Q09 Net interest income (2.1) 892 (3.0) Fee and commission income Other non-interest income >100.0 Total income 1,565 1, , Less: Total expenses Operating profit Less: Intangible assets amortised 3 3 (3.4) 3 (1.6) Individual impairment loans > Individual impairment other assets >100.0 (23) >100.0 Collective impairment (72.8) (59) >100.0 Add: Share of profit of associates Less: Tax & minority interests (18.7) 139 (32.1) NPAT
4 Lower Net Interest Margin Liquidity and Competition Contributing Factors Net Interest Income and Margin ,576 3,674 3,532 2, ,615 3,020 2,987 2, Q09 1Q10 2Q10 3Q10 4Q10 NII NII from from Loans () () NII NII from from Interbank & Securities () () Loan Margin () () Interbank & Securities Margin () () Net Net Interest Margin () () 4
5 Strong Non-Interest Income Delivered Robust Fee Income Non-Interest Income (Non-NII) and Non-NII Ratio , , ,675 1, , ,278 1, , Q09 1Q10 2Q10 3Q10 4Q10 Fee Fee Income Income () () Other Other Non-Interest Non-Interest Income Income () () Fee Fee Income Income // Total Total Income Income Ratio Ratio () () Non-NII Non-NII // Total Total Income Income Ratio Ratio () () 5
6 Improving Return on Risk-weighted Assets 2008 / 2008 Gross Loans 115, , , Total RWA 106, , ,712 (6.8) Loan margin () (0.21)pt As a of average total RWA: NII from loans + loan fee income () pt NII from loans + fee & commission income () pt 6
7 Expenses Well Paced Operating Expenses and Expense / Income Ratio ,018 2,050 2, , ,046 1,082 1,116 1, Q09 1Q10 2Q10 3Q10 4Q10 7 Staff Staff costs () () Revenue-related expenses () () Occupancy-related expenses () () IT-related expenses () () Other operating expenses () () Expense // Income Ratio () ()
8 Lower Provisions from Improving Asset Quality Impairment Charges on Loans 76 bp 47 bp 59 bp 35 bp 18 bp 33 bp 18 bp 18 bp bp 50bp 35bp 24bp 43bp 18bp 46bp 16bp 4bp 3bp Q09 1Q10 2Q10 3Q10 4Q10 Individual Impairment Charges on on Loans () Individual Impairment Charges on on Loans // Average Gross Customer Loans (basis points) ** Total Impairment Charges on on Loans // Average Gross Customer Loans (basis points) ** 8 * On annualised basis
9 NPL Ratio Improved to 1.8 NPL () NPL Ratio * 2, , , , , Dec'09 Mar'10 Jun'10 Sep'10 Dec'10 Singapore Malaysia Thailand Indonesia Greater China Other * Debt securities and contingent assets are excluded from the computation. 9
10 Strong Impairment Coverage Total Loan Impairment () 2,543 2,568 2,580 2,616 2, ,570 1,633 1,671 1,716 1,752 Dec'09 Mar'10 Jun'10 Sep'10 Dec'10 Collective Impairment () () Individual Impairment () () Cumulative Impairment // Total NPL NPL () () Cumulative Impairment // Unsecured NPL NPL () () 10
11 Loan Growth Escalates, Deposits to Keep Pace Customer Loans, Deposits and L/D Ratio Dec'09 Mar'10 Jun'10 Sep'10 Dec'10 Net Net Customer Loans ($b) ($b) Customer Deposits ($b) ($b) Loans // Deposits (L/D) (L/D) Ratio () () 11
12 Loan Growth Accelerates, Regional Growth Showing Good Momentum Gross Loans Singapore 75,534 67, Q10 75,534 3Q10 71, Regional: 31,598 25, ,598 29, Malaysia 15,278 12, ,278 14, Thailand 7,050 6, ,050 6, Indonesia 3,975 3, ,975 3, Greater China 5,295 4, ,295 4, Other 7,990 8,688 (8.0) 7,990 8,586 (6.9) Total 115, , , ,
13 Regional Franchise Showing Results, Growth More than Doubled Singapore Operating profit Singapore 2,419 2, At constant FX rate 4.8 Singapore : 68 Malaysia : 13 Thailand : 4 Indonesia : 5 Regional: Greater China : 3 Malaysia Other : 7 Thailand Indonesia (8.7) 8.3 (9.7) 1.5 Singapore : 69 Greater China Other (4.4) 26.8 (3.0) Malaysia : 11 Thailand : 4 Total 3,542 3, Indonesia : 5 Greater China : 3 Other : 8 13
14 Performance by Business Segment Segment Operating profit 2006 GR : 30 Group Retail (GR) 1,047 1,068 (2.0) Other : 9 Group Institutional Financial Svc (GIFS) 1,414 1, GMIM : 21 GIFS : 40 Global Markets & Investment Mgt (GMIM) Other ,093 (186) (30.9) >100.0 GR : 32 Total 3,542 3, GMIM : 33 GIFS : 41 Other : (6) 14
15 Singapore Summarised P/L 4Q10 3Q10 Net interest income 2,077 2,300 (9.7) (2.9) Fee and commission income Other non-interest income Total income 3,730 3, , Less: Total expenses 1,310 1, Operating profit 2,419 2, Less: Total impairment charges (69.2) Add: Share of profit of associates Net profit before tax 2,290 1,
16 Singapore Key Financial Indicators 4Q10 3Q10 pt pt Net interest margin (0.38) (0.11) Non-NII / Total income Expense / Total income (0.2) Customer loans (net) $ m 73,729 65, ,729 70, Loans / Deposits (2.1) (0.8) NPL ratio (0.3)
17 Malaysia Summarised P/L 4Q10 3Q10 RM m RM m RM m RM m Net interest income 1, Fee and commission income Other non-interest income (4.5) Total income 1,673 1, Less: Total expenses Operating profit 1, (12.5) Less: Total impairment charges (19.9) Add: Share of profit of associates 36 (4) > Net profit before tax (23.1) Net profit before tax (S) (25.1) 17
18 Malaysia Key Financial Indicators 4Q10 3Q10 pt pt Net interest margin (0.55) Non-NII / Total income (0.2) Expense / Total income (1.0) Customer loans (net) RM m 35,901 28, ,901 33, Loans / Deposits (9.1) NPL ratio (1.1) (0.4) 18
19 Thailand Summarised P/L 4Q10 3Q10 THB m THB m THB m THB m Net interest income 6,977 7,013 (0.5) 1,815 1, Fee and commission income 2,021 1, Other non-interest income (36.1) (90.8) Total income 9,510 9,803 (3.0) 2,364 2,370 (0.3) Less: Total expenses 6,442 6, ,733 1, Operating profit 3,068 3,399 (9.7) (17.2) Less: Total impairment charges 1,048 1,578 (33.6) (34.9) Add: Share of profit of associates 6 9 (33.3) 3 (3) >100.0 Net profit before tax 2,026 1, (4.9) Net profit before tax (S) (4.0) 19
20 Thailand Key Financial Indicators 4Q10 3Q10 pt pt Net interest margin (0.35) (0.19) Non-NII / Total income (1.9) (3.9) Expense / Total income Customer loans (net) THB m 158, , , , Loans / Deposits NPL ratio (0.9) (0.6) 20
21 Indonesia Summarised P/L 4Q10 3Q10 IDR b IDR b IDR b IDR b Net interest income 1,963 1, (0.8) Fee and commission income Other non-interest income (23.3) Total income 2,595 2, Less: Total expenses 1,349 1, (2.1) Operating profit 1,246 1, Less: Total impairment charges (44.4) Net profit before tax 1,172 1, Net profit before tax (S)
22 Indonesia Key Financial Indicators 4Q10 3Q10 pt pt Net interest margin (0.55) Non-NII / Total income (0.9) Expense / Total income (0.2) (2.7) Customer loans (net) IDR b 27,427 22, ,427 25, Loans / Deposits (2.7) NPL ratio (1.0) (0.4) 22
23 Greater China Summarised P/L 4Q10 3Q10 S$ m S$ m S$ m S$ m Net interest income (17.7) (4.8) Fee and commission income Other non-interest income Total income Less: Total expenses Operating profit (8.0) Less: Total impairment charges 8 14 (42.1) 7 (0) >100.0 Add: Share of profit of associates 1 1 > (0.7) Net profit before tax (29.1) 23
24 Greater China Key Financial Indicators 4Q10 3Q10 pt pt Net interest margin (0.50) (0.15) Non-NII / Total income Expense / Total income (2.2) Customer loans (net) S$ m 5,231 3, ,231 4, Loans / Deposits NPL ratio (1.4) (0.5) 24
25 Strong Capital Position Capital Adequacy Ratios Total CAR Tier 1 CAR Core Tier 1 CAR ` Core Tier 1 Capital Tier 1 Capital Dec'09 Mar'10 Jun'10 Sep'10 Dec'10 11,978 12,942 13,175 13,411 14,213 14,127 15,091 15,324 15,560 16,362 RWA 100, , , , ,889 25
26 Special Dividend Recommended, in Addition to Final Dividend Net Net dividend per per ordinary share ( ) ( ) Interim Final Special Payout amount () Payout ratio () 1, ,
27 In Summary, Year Results Showed: Record NPAT of $2.7 billion Robust fee income alleviated pressure on NII Expenses well managed, continued to invest for future growth Investment in a regional franchise yielding results:- Delivered double-digit growth in Singapore and the key regions Cross-selling efforts boosted strong fee income growth Asset quality remained sound, NPL ratio low at 1.8 Balance sheet and capital position continued to be strong Final and special dividend recommended 27
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