Investor Update.
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Q3 2017
Margaret Willis, Chief Executive Officer
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Officillecus id molupta sincte qui quuntorat
faciis min nonse nia consecestius esectur
audignihilia non raessum, comniet ulla alitio
tem et, conecae pelendandis sandigendis
doloratio. Et et ommodia sin restiam est,
solores digendi tamenis eum litem repratiis
ex et, cus modia iduciandi ommolup turepro
blaut imporesci apiciae cuptatium nimporem
reribus.
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“In today’s challenging economic and political environment Socially Responsible Banking has never
been more important in helping to deliver a sustainable economy that works for everyone.
As a commercial bank with a social conscience, we are delighted that we have been able to support
SMEs and socially minded organisations who share our values. Achieving the milestone of loan
approvals of £100m in the first 7 months of the year, a record in Unity Trust Bank’s history, further
demonstrates our ability to grow and our determination to a make positive impact on society.
You can read more about the impact we have enabled our customers to make through our case
studies on our website -Unity.co.uk
I would like to thank all of our customers and shareholders for their continued support and the trust
they have invested in us to make positive and lasting change. ”
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Officillecus id molupta sincte qui quuntorat
faciis min nonse nia consecestius esectur
audignihilia non raessum, comniet ulla alitio
tem et, conecae pelendandis sandigendis
doloratio. Et et ommodia sin restiam est,
solores digendi tamenis eum litem repratiis
ex et, cus modia iduciandi ommolup turepro
blaut imporesci apiciae cuptatium nimporem
reribus.
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Continuing success
page 4
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Strong financials
page 5
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Safe loan growth & amplified social purpose
page 6
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Banking those with a shared philosophy
page 7
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Social impact metrics
page 8
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Continued focus on customer
2.
Significant lending growth helping organisations that are creating social impact
3.
Sustained focus on prudent underwriting standards
4.
Our capital and liquidity positions remain strong and support future growth
5.
Enhanced internet banking and product propositions help customers to be more
efficient
6.
Unity remains well-positioned in an environment of economic uncertainty
•
Underlying PBT(1) significantly ahead of plan
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Interest income improved
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Underlying cost/income ratio(1) improved to 74%
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CET 1 ratio above regulatory requirements and increasing return on capital
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Comparing H1 2016 to H1 2017
(1)
Excludes £0.3m PBT in H1 2016 relating to ‘one-off’ items
(2)
CET1 capital ratio = Common Equity Tier 1 capital resources / risk weighted assets
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New loans continue to amplify our
social impact
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Loan approvals + 63% on H1 2016
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Lending quality and credit performance
remains strong
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Unity is positioned as the bank of choice for organisations who share our double
bottom line philosophy
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We help organisations to prosper and contribute to social change
•
Our second Socially Responsible Banking Conference is planned for 17
th
May, and
we hope to see you there
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We help create a better society through our employee-led ‘Unity in the Community’
(UitC) programme
•
New customer numbers are growing and deposit balances continue to increase
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New business is considered
in light of both credit
worthiness and social
impact.
Each loan we provide has
either a direct impact (e.g.
creates bed spaces, housing
or creates jobs) or an
indirect impact (e.g. money
lent to intermediaries is lent
on to companies without
direct access to finance).
Reporting on Unity Trust Bank's successful Q3 2017, CEO Margaret Willis highlights the importance of socially responsible banking in today's economic climate. The bank's achievements, impact on society, and commitment to its values are showcased, along with financial performance and social purpose initiatives. Unity remains well-positioned for growth and to make a positive impact in the face of economic uncertainties.
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Presentation Transcript
Investor Update. Q3 2017 Margaret Willis, Chief Executive Officer
A message from the CEO. In today s challenging economic and political environment Socially Responsible Banking has never been more important in helping to deliver a sustainable economy that works for everyone. As a commercial bank with a social conscience, we are delighted that we have been able to support SMEs and socially minded organisations who share our values. Achieving the milestone of loan approvals of 100m in the first 7 months of the year, a record in Unity Trust Bank s history, further demonstrates our ability to grow and our determination to a make positive impact on society. You can read more about the impact we have enabled our customers to make through our case studies on our website - Unity.co.uk I would like to thank all of our customers and shareholders for their continued support and the trust they have invested in us to make positive and lasting change. Margaret Willis, Chief Executive Officer
Contents. Continuing success page 4 Strong financials page 5 Safe loan growth & amplified social purpose page 6 Banking those with a shared philosophy page 7 Social impact metrics page 8
Continuing success. 1. Continued focus on customer 2. Significant lending growth helping organisations that are creating social impact 3. Sustained focus on prudent underwriting standards 4. Our capital and liquidity positions remain strong and support future growth 5. Enhanced internet banking and product propositions help customers to be more efficient 6. Unity remains well-positioned in an environment of economic uncertainty
Strong financials. Comparing H1 2016 to H1 2017 Underlying PBT(1) significantly ahead of plan Interest income improved Underlying cost/income ratio(1) improved to 74% CET 1 ratio above regulatory requirements and increasing return on capital (1) (2) Excludes 0.3m PBT in H1 2016 relating to one-off items CET1 capital ratio = Common Equity Tier 1 capital resources / risk weighted assets
Safe growth and amplified social purpose. Approvals by sector New loans continue to amplify our social impact Housing 2% 16% CDFI s 30% Human Health and Social Work Loan approvals + 63% on H1 2016 13% Real Estate, Education, Wholesale and Services Faith 2% Lending quality and credit performance remains strong 14% Trade Union 16% 7% Other
Banking those with a shared philosophy. Unity is positioned as the bank of choice for organisations who share our double bottom line philosophy We help organisations to prosper and contribute to social change Our second Socially Responsible Banking Conference is planned for 17th May, and we hope to see you there We help create a better society through our employee-led Unity in the Community (UitC) programme New customer numbers are growing and deposit balances continue to increase
Social impact metrics. Jobs created or protected 396 New business is considered in light of both credit worthiness and social impact. Bed spaces 238 Each loan we provide has either a direct impact (e.g. creates bed spaces, housing or creates jobs) or an indirect impact (e.g. money lent to intermediaries is lent on to companies without direct access to finance). Amplifying Social Impact Apprenticeships training and internships 13 Volunteer days completed 74 Helping underserved communities gain access to finance 388 loans worth 3.3m People housed 101
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