Banks. Crown Agents Bank Limited. United Kingdom. Update. Key Rating Drivers. Rating Sensitivities. Ratings
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1 United Kingdom Update Ratings Foreign Currency Long-Term IDR Short-Term IDR BBB+ F2 Viability Rating bbb+ Support Rating 5 Support Rating Floor NF Sovereign Risk Foreign-Currency Long-Term IDR Local-Currency Long-Term IDR Outlooks Foreign-Currency Long-Term IDR Sovereign Foreign-Currency Long-Term IDR Sovereign Local-Currency Long-Term IDR Financial Data AA+ AA+ Stable Stable Stable 31 Dec Dec 12 Total assets (USDm) 1,365 1,304 Total assets (GBPm) Total equity (GBPm) Operating profit (GBPm) Net income (GBPm) Fitch comprehensive income (GBPm) Operating ROAA (%) Operating ROAE (%) Fitch core capital/ weighted risks (%) Tier 1 ratio (%) Key Rating Drivers Liability-Led Balance Sheet: The ratings of (CABK) are underpinned by its strong liquidity and the low credit risk profile of its assets. The bank s primary role is to disburse aid to developing countries whilst acting as a depositor bank for various local and central banks based in the recipient country. Consequently, its balance sheet is liability-led and assets consist mainly of short-term unsecured money-market placements with, or short-term instruments of, highly rated financial institutions. Strong Liquidity: Liquidity is strong, with Bank of England reserves and highly liquid securities equal to around half of total deposits at end-1h14. Liquidity weakened slightly in the first half of 2014, due to a lengthening of the bank s asset maturity profile through an increase in exposure to the three- to 12-month bucket. While this is aimed at improving spreads, Fitch would be concerned if the mismatch widened significantly given the high concentration of liabilities, with the largest 20 depositors accounting for around three-quarters of total deposits at end-1h14. Single-Name Concentrations Reducing: The bank has been reducing its single-name counterparty exposure, with a maximum limit on placements held with third parties of 100% of its capital base being met since 1 January Nonetheless, asset concentration remains high, largely because of the small absolute size of the bank s capital. Concentration risk is mitigated by the low credit risk of CABK s counterparties (minimum short-term rating of F1 ). Moderate Off-Balance Sheet Risks: The bank offers a small amount of on-balance-sheet lending, but overall exposure is small and typically to government and public-sector bodies and generally backed by collateral. Some off-balance-sheet exposure is generated by CABK s trade finance business, but, so far, this has remained moderate and generally backed by collateral (largely cash). The bank is also exposed to settlement risk arising from its FX transactions, although potential losses are small due to adequate controls and fairly conservative limits. Limited Capital Generation: Total equity is small, which, when considered with the concentration of the bank s assets and weak internal capital generation, would ordinarily place its ratings firmly below investment-grade. Nonetheless, the ratings are supported by CABK s low-risk profile and strong liquidity. Management has increased efforts to improve revenue diversification in the medium term but, in Fitch s view, profitability will start to improve significantly only once base rates begin to rise. Rating Sensitivities Increased Risk Appetite: The bank s ratings are highly sensitive to any increase in risk appetite, and an increase in credit risk (on or off balance sheet) would likely result in a downgrade of the bank s ratings, possibly by several notches. Related Research Fitch Affirms Crown Agents Bank Ltd at 'BBB+'; Outlook Stable (October 2014) Analysts Marc Ellsmore marc.ellsmore@fitchratings.com Claudia Nelson claudia.nelson@fitchratings.com Weakening Liquidity: Ratings could also be downgraded as a result of a weaker liquidity profile, be it through a widening of the mismatch between assets and liabilities, or through a significant reduction in core liquid assets because of CABK s highly concentrated balance sheet. Potential Upside: An upgrade in the ratings is unlikely given CABK s small size and balance sheet concentrations, low earnings and profitability, and relatively undiversified business model. 17
2 Income Statement Year End Year End As % of Year End As % of Year End As % of Year End As % of USDm GBPm GBPm Earning GBPm Earning GBPm Earning Unqualified Unqualified Earning Assets Unqualified Assets Unqualified Assets Unqualified Assets 1. Interest Income on Loans n.a. n.a. - n.a. - n.a. - n.a Other Interest Income Dividend Income n.a. n.a. - n.a. - n.a. - n.a Gross Interest and Dividend Income Interest Expense on Customer Deposits n.a. n.a. - n.a. - n.a. - n.a Other Interest Expense Total Interest Expense Net Interest Income Net Gains (Losses) on Trading and Derivatives Net Gains (Losses) on Other Securities n.a. n.a. - n.a. - n.a. - n.a Net Gains (Losses) on Assets at FV through Income Statement n.a. n.a. - n.a. - n.a. - n.a Net Insurance Income n.a. n.a. - n.a. - n.a. - n.a Net Fees and Commissions Other Operating Income Total Non-Interest Operating Income Personnel Expenses Other Operating Expenses Total Non-Interest Expenses Equity-accounted Profit/ Loss - Operating n.a. n.a. - n.a. - n.a. - n.a Pre-Impairment Operating Profit Loan Impairment Charge Securities and Other Credit Impairment Charges n.a. n.a. - n.a Operating Profit Equity-accounted Profit/ Loss - Non-operating n.a. n.a. - n.a. - n.a. - n.a Non-recurring Income n.a. n.a. - n.a. - n.a. - n.a Non-recurring Expense n.a. n.a. - n.a. - n.a. - n.a Change in Fair Value of Own Debt n.a. n.a. - n.a. - n.a. - n.a Other Non-operating Income and Expenses n.a. n.a. - n.a. - n.a. - n.a Pre-tax Profit Tax expense Profit/Loss from Discontinued Operations n.a. n.a. - n.a. - n.a. - n.a Net Income Change in Value of AFS Investments Revaluation of Fixed Assets (0.2) (0.1) (0.03) Currency Translation Differences Remaining OCI Gains/(losses) Fitch Comprehensive Income Memo: Profit Allocation to Non-controlling Interests Memo: Net Income after Allocation to Non-controlling Interests Memo: Common Dividends Relating to the Period n.a Memo: Preferred Dividends Related to the Period n.a. n.a Exchange rate USD1 = GBP USD1 = GBP USD1 = GBP USD1 = GBP Related Criteria Global Financial Institutions Rating Criteria (January 2014) 2
3 Balance Sheet Year End Year End As % of Year End As % of Year End As % of Year End As % of USDm GBPm Assets GBPm Assets GBPm Assets GBPm Assets Assets A. Loans 1. Residential Mortgage Loans Other Mortgage Loans Other Consumer/ Retail Loans Corporate & Commercial Loans Other Loans Less: Reserves for Impaired Loans n.a. n.a. - n.a Net Loans Gross Loans Memo: Impaired Loans included above n.a. n.a. - n.a Memo: Loans at Fair Value included above n.a. - B. Other Earning Assets 1. Loans and Advances to Banks Reverse Repos and Cash Collateral n.a. n.a. - n.a. - n.a. - n.a Trading Securities and at FV through Income Derivatives n.a Available for Sale Securities n.a Held to Maturity Securities n.a Equity Investments in Associates n.a Other Securities n.a Total Securities Memo: Government Securities included Above n.a Memo: Total Securities Pledged n.a Investments in Property n.a. n.a n.a Insurance Assets n.a. n.a n.a Other Earning Assets n.a. n.a n.a Total Earning Assets C. Non-Earning Assets 1. Cash and Due From Banks Memo: Mandatory Reserves included above n.a Foreclosed Real Estate n.a Fixed Assets Goodwill n.a Other Intangibles n.a Current Tax Assets n.a Deferred Tax Assets n.a Discontinued Operations n.a Other Assets Total Assets 1, Liabilities and Equity D. Interest-Bearing Liabilities 1. Customer Deposits - Current Customer Deposits - Savings n.a. n.a. - n.a. - n.a. - n.a Customer Deposits - Term Total Customer Deposits 1, Deposits from Banks Repos and Cash Collateral n.a. n.a. - n.a. - n.a. - n.a Other Deposits and Short-term Borrowings n.a. n.a. - n.a. - n.a. - n.a Total Deposits, Money Market and Short-term Funding 1, Senior Debt Maturing after 1 Year Subordinated Borrowing Other Funding Total Long Term Funding Derivatives Trading Liabilities Total Funding 1, E. Non-Interest Bearing Liabilities 1. Fair Value Portion of Debt Credit impairment reserves Reserves for Pensions and Other Current Tax Liabilities Deferred Tax Liabilities Other Deferred Liabilities Discontinued Operations Insurance Liabilities Other Liabilities Total Liabilities 1, F. Hybrid Capital 1. Pref. Shares and Hybrid Capital accounted for as Debt Pref. Shares and Hybrid Capital accounted for as Equity G. Equity 1. Common Equity Non-controlling Interest Securities Revaluation Reserves Foreign Exchange Revaluation Reserves Fixed Asset Revaluations and Other Accumulated OCI Total Equity Total Liabilities and Equity 1, Memo: Fitch Core Capital Memo: Fitch Eligible Capital n.a. n.a. - n.a. - n.a. - n.a. - Exchange rate USD1 = GBP USD1 = GBP USD1 = GBP USD1 = GBP
4 Summary Analytics Year End Year End Year End Year End A. Interest Ratios 1. Interest Income on Loans/ Average Gross Loans n.a. n.a. n.a. n.a. 2. Interest Expense on Customer Deposits/ Average Customer Deposits n.a. n.a. n.a. n.a. 3. Interest Income/ Average Earning Assets Interest Expense/ Average Interest-bearing Liabilities Net Interest Income/ Average Earning Assets Net Int. Inc Less Loan Impairment Charges/ Av. Earning Assets Net Interest Inc Less Preferred Stock Dividend/ Average Earning Assets B. Other Operating Profitability Ratios 1. Non-Interest Income/ Gross Revenues Non-Interest Expense/ Gross Revenues Non-Interest Expense/ Average Assets Pre-impairment Op. Profit/ Average Equity Pre-impairment Op. Profit/ Average Total Assets Loans and securities impairment charges/ Pre-impairment Op. Profit Operating Profit/ Average Equity Operating Profit/ Average Total Assets Taxes/ Pre-tax Profit Pre-Impairment Operating Profit / Risk Weighted Assets n.a. 11. Operating Profit / Risk Weighted Assets n.a. C. Other Profitability Ratios 1. Net Income/ Average Total Equity Net Income/ Average Total Assets Fitch Comprehensive Income/ Average Total Equity Fitch Comprehensive Income/ Average Total Assets Net Income/ Av. Total Assets plus Av. Managed Securitized Assets n.a Net Income/ Risk Weighted Assets n.a. 7. Fitch Comprehensive Income/ Risk Weighted Assets n.a. D. Capitalization 1. Fitch Core Capital/ Risk Weighted Assets n.a. 2. Fitch Eligible Capital/ Risk Weighted Assets n.a. n.a. n.a. n.a. 3. Tangible Common Equity/ Tangible Assets Tier 1 Regulatory Capital Ratio Total Regulatory Capital Ratio n.a. 6. Core Tier 1 Regulatory Capital Ratio n.a. n.a. n.a. n.a. 7. Equity/ Total Assets Cash Dividends Paid & Declared/ Net Income Cash Dividend Paid & Declared/ Fitch Comprehensive Income Cash Dividends & Share Repurchase/Net Income n.a. n.a. n.a. n.a. 11. Internal Capital Generation E. Loan Quality 1. Growth of Total Assets (5.03) Growth of Gross Loans (100.00) (33.33) (25.00) n.a. 3. Impaired Loans/ Gross Loans n.a. n.a Reserves for Impaired Loans/ Gross Loans n.a. n.a Reserves for Impaired Loans/ Impaired Loans n.a. n.a. n.a. n.a. 6. Impaired loans less Reserves for Impaired Loans/ Fitch Core Capital n.a. n.a Impaired Loans less Reserves for Impaired Loans/ Equity n.a. n.a Loan Impairment Charges/ Average Gross Loans Net Charge-offs/ Average Gross Loans n.a. n.a Impaired Loans + Foreclosed Assets/ Gross Loans + Foreclosed Ass n.a F. Funding 1. Loans/ Customer Deposits Interbank Assets/ Interbank Liabilities n.a. n.a. n.a. n.a. 3. Customer Deposits/ Total Funding (excluding derivatives)
5 Reference Data Year End Year End As % of Year End As % of Year End As % of Year End As % of USDm GBPm Assets GBPm Assets GBPm Assets GBPm Assets A. Off-Balance Sheet Items 1. Managed Securitized Assets Reported Off-Balance Sheet n.a. n.a Other off-balance sheet exposure to securitizations n.a. n.a Guarantees Acceptances and documentary credits reported off-balance sheet n.a. n.a Committed Credit Lines Other Contingent Liabilities Total Business Volume 1, Memo: Risk Weighted Assets n.a Fitch Adjustments to Risk Weighted Assets n.a. n.a. - n.a. - n.a. - n.a Fitch Adjusted Risk Weighted Assets n.a. - B. Average Balance Sheet Average Loans Average Earning Assets Average Assets 1, Average Managed Securitized Assets (OBS) n.a. n.a Average Interest-Bearing Liabilities 1, Average Common equity Average Equity Average Customer Deposits 1, C. Maturities Asset Maturities: Loans & Advances < 3 months n.a. n.a n.a. - Loans & Advances 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Loans and Advances 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Loans & Advances > 5 years n.a. n.a. - n.a. - n.a. - n.a. - Debt Securities < 3 Months n.a. n.a. - n.a. - n.a. - n.a. - Debt Securities 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Debt Securities 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Debt Securities > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Loans & Advances to Banks < 3 Months n.a. - Loans & Advances to Banks 3-12 Months n.a. - Loans & Advances to Banks 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Loans & Advances to Banks > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Liability Maturities: Retail Deposits < 3 months 1, n.a. - Retail Deposits 3-12 Months n.a. - Retail Deposits 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Retail Deposits > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Other Deposits < 3 Months n.a. n.a. - n.a. - n.a. - n.a. - Other Deposits 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Other Deposits 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Other Deposits > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Deposits from Banks < 3 Months n.a. n.a. - n.a. - n.a. - n.a. - Deposits from Banks 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Deposits from Banks 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Deposits from Banks > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Senior Debt Maturing < 3 months n.a. n.a. - n.a. - n.a. - n.a. - Senior Debt Maturing 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Senior Debt Maturing 1-5 Years n.a. n.a. - n.a. - n.a. - n.a. - Senior Debt Maturing > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Total Senior Debt on Balance Sheet n.a. n.a. - n.a. - n.a. - n.a. - Fair Value Portion of Senior Debt n.a. n.a. - n.a. - n.a. - n.a. - Covered Bonds n.a. n.a. - n.a. - n.a. - n.a. - Subordinated Debt Maturing < 3 months n.a. n.a. - n.a. - n.a. - n.a. - Subordinated Debt Maturing 3-12 Months n.a. n.a. - n.a. - n.a. - n.a. - Subordinated Debt Maturing 1-5 Year n.a. n.a. - n.a. - n.a. - n.a. - Subordinated Debt Maturing > 5 Years n.a. n.a. - n.a. - n.a. - n.a. - Total Subordinated Debt on Balance Sheet Fair Value Portion of Subordinated Debt n.a. n.a. - n.a. - n.a. - n.a. - D. Equity Reconciliation 1. Equity Add: Pref. Shares and Hybrid Capital accounted for as Equity Add: Other Adjustments n.a. n.a. - n.a. - n.a. - n.a Published Equity E. Fitch Eligible Capital Reconciliation 1. Total Equity as reported (including non-controlling interests) Fair value effect incl in own debt/borrowings at fv on the B/S- CC only Non-loss-absorbing non-controlling interests Goodwill Other intangibles Deferred tax assets deduction Net asset value of insurance subsidiaries First loss tranches of off-balance sheet securitizations Fitch Core Capital Eligible weighted Hybrid capital n.a. n.a. - n.a. - n.a. - n.a Government held Hybrid Capital Fitch Eligible Capital n.a. n.a. - n.a. - n.a. - n.a. - Exchange Rate USD1 = GBP USD1 = GBP USD1 = GBP USD1 = GBP
6 The ratings above were solicited by, or on behalf of, the issuer, and therefore, Fitch has been compensated for the provision of the ratings. ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEB SITE AT PUBLISHED RATINGS, CRITERIA, AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE, AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE CODE OF CONDUCT SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE. Copyright 2014 by Fitch, Inc., Fitch Ratings Ltd. and its subsidiaries. 33 Whitehall Street, NY, NY Telephone: , (212) Fax: (212) Reproduction or retransmission in whole or in part is prohibited except by permission. All rights reserved. In issuing and maintaining its ratings, Fitch relies on factual information it receives from issuers and underwriters and from other sources Fitch believes to be credible. Fitch conducts a reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology, and obtains reasonable verification of that information from independent sources, to the extent such sources are available for a given security or in a given jurisdiction. 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