FHC W AMERICA W 2017
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YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
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YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
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(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
Sandeep Bhandari_Resume_
Sandeep Bhandari is a Chartered Accountant with over 9 years of experience in treasury management, trade finance, project finance, financial reporting and accounting. He is currently working as a Senior Accountant - Treasury at Meenakshi Energy Pvt. Ltd. in Hyderabad, where he is responsible for forex management, working capital management, trade credit, project financing compliance, investments and financial reporting. Prior to this, he worked as Deputy Manager F&A at Gulf Petrochem India Pvt. Ltd. and has experience working in finance roles for other companies in India and Dubai. He received his CA and B.Com degrees from institutes in Hyderabad.
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(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
(1) See page 20 for a discussion of non-IFRS measures.(2
(1) See page 20 for a discussion of non-IFRS measures.
(2) ResultsforperiodsbeginningonorafterNovember1,2018havebeenpreparedinaccordancewithIFRS9Financial Instruments(IFRS9).Prioryearcomparativeshavebeenprepared
in accordancewithIAS39Financial Instruments: Classi ication and Measurement (IAS39)andhavenotbeenrestated.
(3) Wealthmanagementassetsundermanagement,advisementandadministration.
(4) Comprisedoftrustassetsunderadministration,third-partyleasesunderadministrationandloansunderserviceagreements.
Five Year Financial Summary (1)
($ thousands, except per share amounts)
2020(2) 2019 2018 2017 2016
Results from Operations
Netinterestincome $ 799,411 $ 785,584 $724,990 $642,390 $585,224
Non-interestincome 97,984 76,020 78,368 84,245 72,672
Totalrevenue 897,395 861,604 803,358 726,635 657,896
Pre-tax,pre-provisionincome 469,318 461,130 436,188 388,729 350,603
Commonshareholders’netincome 248,956 266,940 249,256 214,277 177,761
Earningspershare
Basic 2.86 3.05 2.81 2.43 2.13
Diluted 2.86 3.04 2.79 2.42 2.13
Adjusted 2.93 3.15 3.01 2.63 2.26
Returnoncommonshareholders’equity 9.3 % 10.9% 11.0% 10.1% 9.3%
Adjustedreturnoncommonshareholders’equity 9.5 11.3 11.9 11.0 9.9
Return on assets 0.76 0.88 0.89 0.85 0.73
Efficiencyratio 47.7 46.5 45.7 46.5 46.7
Netinterestmargin 2.45 2.60 2.60 2.56 2.41
Numberoffull-timeequivalentstaff 2,505 2,278 2,178 2,058 1,966
Per Common Share
Averagecommonsharesoutstanding(thousands) 87,159 87,513 88,806 88,297 83,411
Cashdividendspaid $ 1.15 $1.08 $ 1.00 $0.93 $0.92
Bookvalue 31.76 29.29 26.09 24.82 23.58
Market price
High 36.61 33.89 40.83 37.36 29.30
Low 15.70 24.33 29.81 23.68 19.26
Close 24.50 33.35 30.62 36.34 25.45
Balance Sheet and Off-Balance Sheet Summary
Assets $ 33,937,865 $31,424,235 $29,021,463 $26,447,453 $25,222,549
Cashresources,securitiesandrepurchaseagreements 3,083,021 2,475,415 2,237,973 2,708,783 2,791,968
Loans 30,008,393 28,365,893 26,204,599 23,229,239 21,961,348
Deposits 27,310,354 25,351,361 23,699,957 21,902,982 21,194,553
Debt 2,424,323 2,412,293 2,007,854 1,476,336 1,268,198
Shareholders’equity 3,331,538 2,945,810 2,585,752 2,461,045 2,342,040
WealthmanagementAUM/AUA(3) 8,454,513 2,461,469 2,437,238 2,516,485 2,363,256
Assetsunderadministration-other(4) 11,081,581 8,936,845 8,032,280 10,006,388 10,250,323
Capital Adequacy
CommonequityTier1ratio 8.8 % 9.1% 9.2% 9.5% 9.2%
Tier1ratio 10.9 10.7 10.3 10.8 11.0
Totalratio 12.6 12.8 11.9 12.5 13.1
Credit Metrics
Provisionforcreditlossesontotalloans
asapercentageofaverageloans
0.32 0.21 0.20 0.23 0.38
Provisionforcreditlossesonimpairedloans
asapercentageofaverageloans
0.18 0.21 0.19 0.19 0.32
Netimpairedloansasapercentageoftotalloans 0.74 0.43 0.42 0.65 0.51
i|CWBFinancialGroup2020AnnualReport
10 11 12 13 14 15 16 17 18 19 20
1.5
0.5
0
1.0
56
24
13
35
4
3
58
7
32 26
17
24
16
15
2
20
19
17
11
1
3332
32
23
13
48
9
10 ...
Sandeep Bhandari_Resume_
Sandeep Bhandari is a Chartered Accountant with over 9 years of experience in treasury management, trade finance, project finance, financial reporting and accounting. He is currently working as a Senior Accountant - Treasury at Meenakshi Energy Pvt. Ltd. in Hyderabad, where he is responsible for forex management, working capital management, trade credit, project financing compliance, investments and financial reporting. Prior to this, he worked as Deputy Manager F&A at Gulf Petrochem India Pvt. Ltd. and has experience working in finance roles for other companies in India and Dubai. He received his CA and B.Com degrees from institutes in Hyderabad.
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(1) See page 20 for a discussion of non-IFRS measures.(2
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FHC W AMERICA W 2017
- 1. FINANCIAL PLAN FINANCIAL NEEDS 2015 2016 2017 Investments 0 0 0 Borrowing refunds 195 736 0 0 Reduction of capital Distribution of dividends 0 Increased in working capital #REF! #REF! #REF! Others needs Total needs #REF! #REF! #REF! Financial resources Self financing capicity 2 939 532 0 0 Bank borrowings 1 500 000 Increased of capital 0 Dimunition working capital #REF! #REF! #REF! Others resources Total resources #REF! #REF! #REF! Cash beginning exercise #REF! #REF! Annual cash flow #REF! #REF! #REF! Cash ending exercise #REF! #REF! #REF! Need in working capital Term stock rotation by day 14 14 14 Customer credit duration in days 1 1 1 Lenght of supplier credit by day 7 7 7 Average tax rate on sales Average tax rate on buyings Stock of contents 44992 0 0 Guests 22455 0 0 Suppliers 22496 0 0 Tax and social security debts #REF! #REF! #REF! Need in working capital #REF! #REF! #REF! Variation in need working capital #REF! #REF!