2010 Half Year Investor Presentation - UBA Plc

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GROUP LENDINGNet Loans (N’bn)Net Loans, Qtrly Trend (N’bn)607664545607 590664FY091H104Q09 5Q09 1Q10 1H10Presentation of Group Performance• Loan book grew (+9.4% since Dec-09) significantly due to lending tohigh end corporate names• Loan growth continued in 1H10 aftera slight slip in 1Q10• Loan in UBA Africa subsidiariesstable.Qtrly Trend in Loans, UBA Africa (N’bn)58 5850 494Q09 5Q09 1Q10 1H1042
ANALYSIS OF LENDING PORTFOLIODISTRIBUTION OF LOANS: By SectorLoans, By ClassSector Loan (N'bn) ProportionOil & Gas 141.54 19.8%Personal & Professional 121.17 17.0%Public Sector7%FinancialIstitutions15% Commercial8%Presentation of Group PerformanceFin Institutions 104.79 14.7%Telecoms 60.83 8.5%Manufacturing 56.70 7.9%General Commerce 49.51 6.9%Government 47.72 6.7%Real Estate 45.67 6.4%Transportation 35.91 5.0%Agriculture 34.92 4.9%Others 14.83 2.1%Gross Loans 713.61 100.0%• Oil & Gas, personal/prof and FIs account for 52%• Corporate loans are 80% of total• NPL ratio stable at 8.3%; group target remains 5%Corporate50%NPL RatioRetail &Consumer20%8.3% 8.3%FY091H1043
Page 1 and 2: Investor/Analyst BriefingFOR THE HA
Page 3 and 4: IMPORTANT DISCLOSURES• This prese
Page 5 and 6: REVIEW OF OPERATING ENVIRONMENT5
Page 7: GRADUAL RECOVERY SEEN SO FAR IN 201
Page 10 and 11: COMMODITY PRICES FIRM UP IN 2010Per
Page 12 and 13: WORLD STOCK MARKETS RECOVERED $21TR
Page 14 and 15: GDP IN AFRICA ECONOMIES TRENDS UP14
Page 16 and 17: …AS OIL PRICE HOVERED AROUND $75/
Page 18 and 19: BUT EXTERNAL RESERVES ARE STABILIZI
Page 20 and 21: KEY HIGHLIGHTS• Aggregate economy
Page 22 and 23: DRIVEN MAINLY BY NON-OIL22
Page 24 and 25: FINANCIAL SERVICES GROW……In spi
Page 26 and 27: NAIRA’S VALUE TO THE USD HITS 3-M
Page 28 and 29: REVIEW OF BANKING INDUSTRY28
Page 30 and 31: ANALYSIS OF HALF YEAR 2010 RESULTS3
Page 32 and 33: KEY FACTORS THAT IMPACTED HALF YEAR
Page 34 and 35: REVENUE TRENDRevenues (N’bn)Qtrly
Page 36 and 37: PROFITABILITY36
Page 38 and 39: BALANCE SHEET ANALYSIS38
Page 40 and 41: DEPOSIT BASEStable Deposits (N’tr
Page 44 and 45: EFFICIENCY44
Page 46 and 47: COST ANALYSISStaff Cost reducingCos
Page 48 and 49: LIQUIDITYLiquid AssetsLiquidity Rat
Page 50 and 51: OUTLOOK50
Page 52 and 53: OUTLOOK FOR UBA• Consolidate on t
Page 54 and 55: Q & A54
Page 56 and 57: Consolidated Profit and Loss Accoun
Page 58: Brief history of UBA1949 French & B

2010 Half Year Investor Presentation - UBA Plc

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