FirstBank H1'11 Investor & Analyst Presentation
Operating
Environment
Highlights
Summary &
Strategy &
Transformation
Outlook
Risk Mgt &
Corporate
Governance
Financial
Review
CALEN
We have seen significant improvement in our asset quality matrices
77.2%
Asset quality ratios
NPL N'bn
NPL coverage
--NPL %
Cost of risk (annualised)
104.9%
84.2%
87.8%
70.1%
71.5%
FirstBank
NPL Sector exposure Jun 11 (bank only)
Since 1894
Others* 1%
(Mar 11: 7%)
Agriculture 5% Finance and
(Mar 11: 4%) insurance 2% commerce 4%
(Mar 11: 1%) (Mar 11: 6%)
General
Retail others
24% (Mar 11:
24%)
Oil downstream
8% (Mar 11: 4%)
7.9%
5.7%
5.8%
7.7%
7.3%
3.8%
1.0%
0.3%
0.8%
1.8%
1.3%
2.3%
Oil & gas services
12% (Mar 11:
91
65
70
94
99
49
11%)
Capital market
Mar-10
Jun-10
Sep-10
Dec-10
Mar-11
Jun-11
NPLs by SBU N'bn (bank only)
N91
N96
44
48%
P
0.1 0%
52
52
№49
N48.9 bn
Real estate-
residential 29%
(Mar 11: 13%)
Information and
communication
2% (Mar 11: 1%)
Real estate
construction 6%
(Mar 11: 25%)
7% (Mar 11: 4%)
*Others include water supply, finance and insurance, power & energy, government and transportation
NPL ratio within each SBU (bank only)
8.3%
8.1%
4.3%
54%
34
70%
Retail banking
Public sector
22.7%
23.6%
16.5%
Retail banking
Public sector
1%
Institutional banking
0.1%
1.5%
6.4%
05
0%
Corporate banking
Institutional banking
Corporate banking
11%
5.7%
9.0%
1:1%
8.6%
6.4%
4.2%
33
36%
28
29%
15
16%
15
15%
10
20%
Dec-10
Mar-11
Jun-11
FirstBank H1'11 Investor & Analyst Presentation - 27/07/2011
Dec-10
Mar-11
Jun-11
ང་
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