Capital Bank Performance & Strategic Growth
Growing deposit base and healthy liquidity standing
Growing and diverse liability base
Diverse funding base, with growing stable funding from Customer
Deposits and Margins (growing by 31% between 2018 and 2020) and a
further 30% in Q1 2021.
Cost of funds slightly lower in 2020. With a consistently healthy NIM
over the last period. Trend is continuing in Q1 2021.
Liquidity Coverage Ratio (LCR) stands at 175.4% as of 2020, and 142.8%
in Q1 2021, which is well above 100% regulatory minimum.
Growing deposit base, with healthy growth in CASA balances
All values in USD millions
Stable non-current deposit base at ~64% of total deposits, with non-
interest-bearing deposits up from 19.8% in 2019 to 25.02% in Q1 2021.
Total deposits grew by 34% between 2018 and 2020, and a further 28%
in Q1 including Audi and 4% on a standalone basis, with CASA balances
growing by 58% between 2018 to Q1 2021, and 23% in Q1 2021 alone.
Deposit composition comprises of Retail (58%), Institutional (34%) and
Government (8%) as of Q1 2021. Retail base up from 56% in 2020.
Deposit Breakdown
Segment Breakdown
Q1 2021
+25%
+28%
Liabilities Breakdown
4,207
3,017
3%
+34%
SME 6%
5%
+30%
9%
8%
12%
1,056
Gov.
2,361
3,375
(35%)
5%
3%
1,760
1,842
15%
857
(36%)
Corporate 29%
29%
598
2,594
Current 667
6%
(32%)
Other liabilities
-3%
2,296
& Savings (38%)
11%
Loans & Subordinated
3%-
80%
65%
9%
6%
Retail 56%
58%
FI Deposits 3%;
64%
80%
76%
Deposits
62%
68%
Customer Deposits
& CDs
& Margins
85%
2018
2019
2020
Q1 2021
(Total)
2018
2019
2020
Q1 2021
Excl.
Total
Audi
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