Capital Bank Performance & Strategic Growth
Healthy revenue generation and expense management
Growing and healthy revenue base
■
Total revenues continue to grow strongly with a CAGR of 7% between
2016 and 2020. Q1 2021 revenue grew by 16% versus Q1 2020.
Highest growth achieved in revenues from lending activities and markets
(investments) in 2020 and continues in Q1 2021.
Revenue composition since 2015 constitutes an average of 75% coming
from lending activities, with commissions at 18% and markets at 7%.
All values in USD millions
Operating Expenses remain under control, with prudent efficiency policies
☐
☐
Operating expenses remain well managed and growing at a slower pace
compared to revenue, with focus on capitalizing on synergies across
subsidiaries. Efficiency ratio improved by ~5% in Q1 2020 versus Q1 2020.
Over the last 5 years, staff costs comprise 47% of expenses, depreciation
at 11%, and rent & occupancy at 7%. Other operating expenses split
across several categories, with no concentration.
Total Revenue
Loans
Markets
Revenue
Commissions
Investment Banking
Operating Expenses
Efficiency Ratio (Excl. Dep)
Operating Expenses
CAGR +2%
CAGR +7%
247
1%
50.6%
219
9%
46.3%
197
43.1%
44.3%
43.5%
43.5%
189
190
16%
+15%
37.9%
61
53
33
69.7
63.6
64.4
64.4
67.8
74%
15.2
16.3
2016
2017
2018
2019
2020
Q1 2020 Q1 2021
2016
2017
2018
2019
2020
Q1 2020
Q1 2021
23View entire presentation