Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Investor Day (September 2022)
13 slides from Union Bank Of India's investor day presentation, Sep 23, 2022
Slide 1: Exchange disclosure letter on Analysts/Investor Day
संदभग Ref.:नि.से.नव.ISD/224/2022-23 ददिांक Date : 23.09.2022 BSE Ltd. National Stock Exchange of India Ltd. Corporate Relationships Dept. Listing Dept. Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No.C/1, G Block Dalal Street, Bandra-Kurla Complex, Bandra (E), Mumbai-400 001. Mumbai-400 051. BSE
Slide 2: Thematic Investor Day (Asset Quality)
THEMATIC INVESTOR DAY (ASSET QUALITY) September 26, 2022
Slide 3: Table of Contents
Sustained Improvement in Asset Quality 3 Asset Quality- Snapshot 4-6 Status of NCLT Accounts 7 Table of Contents COVID Restructuring & SMA Position of 8 the Bank Enabling Systems 9-10 Aspiration for FY23 11 2
Slide 4: Sustained Improvement in Asset Quality
Sustained Improvement in Asset Quality GNPA(%) NNPA(%) 14.60 13.74 5.22 11.11 4.62 10.22 3.68 3.31 Mar-20 Mar-21 Mar-22 Jun-22 Mar-20 Mar-21 Mar-22 Jun-22 PCR(%) TPCR(%) NNPA to Net Worth(%) 81.27 83.61 84.75 80.82 78.21 62.70 69.62 69.46 69.94 46.95 41.38 67.79 Mar-20 Mar-21 Mar-22 Jun-22 Mar-20 Ma
Slide 5: Sectoral NPA(%) & Delinquency Ratio
Sectoral NPA(%) & Delinquency Ratio Retail NPA (%) Agri NPA (%) 5.00 13.04 3.67 3.46 11.58 11.85 Jun-21 Mar-22 Jun-22 Jun-21 Mar-22 Jun-22 MSME NPA (%) Corp & Others NPA (%) 21.17 14.70 18.71 17.62 11.33 9.85 Jun-21 Mar-22 Jun-22 Jun-21 Mar-22 Jun-22 Delinquency Ratio 5.00 3.83 2.67 Jun-21 Mar-22 Ju
Slide 6: Asset Quality: Movement in Non Performing Assets
Asset Quality: Movement in Non Performing Assets ₹ in crore Jun-21 Mar-22 Jun-22 S.No Parameters (Q1) (Q4) (Q1) 1. Gross NPAs - Opening 89,788 77,787 79,587 2. Add : Additions 7,049 5,672 4,244 W/w Increase in balance in existing NPA 209 409 530 Fresh slippages 6,840 5,263 3,714 3. Cash Recovery 1,1
Slide 7: Asset Quality: Position of Gross Recovery
Asset Quality: Position of Gross Recovery ₹ in crore 5,139 4,100 3,803 3,194 1,896 1,481 1,147 1,164 1,202 798 1,040 1,120 Jun-21 Mar-22 Jun-22 Cash Recovery Upgradation Recovery in TWO & D/L Gross Recovery 6
Slide 8: Status of NCLT Accounts as on Jun-22
Status of NCLT Accounts as on Jun-22 Outstanding Particulars No. of Accounts (Rs. In Crs) Total Accounts admitted by NCLT 617 80,641 W/w Accounts where Resolution Plan fully Implemented 55 20,511 W/w Accounts Which are under Liquidation 278 27,416 W/w Accounts outstanding under NCLT as on 30.06.22 2
Slide 9: COVID Resolution Framework and SMA position as on 30.06.2022
COVID Resolution Framework and SMA position as on 30.06.2022 ₹ in crore Resolution Framework 1.0 Resolution Framework 2.0 Outstanding Implemented Category Category (30.06.2022) (30.06.2022) MSME (Up to Rs.25 cr) 1,797 MSME 3,408 Personal Loans 3,297 Personal & Small Business 6,469 Agriculture Allied
Slide 10: Enabling Systems for Enhanced Recovery Mechanism
Enabling Systems for Enhanced Recovery Mechanism Union SARAS Call Centres Regional Collection Business Centres (RCoCs) Correspondents Feet on Street 9
Slide 11: Union SARAS-End to End Recovery Management
Union SARAS-End to End Recovery Management Union - S RAS Stress Asset Recovery Automated Based on Application Programming Interface Solution SARFAESI DRT Civil Suit Arbitration Revenue Lok IBC & Valuation Insurance Recovery Adalat NCLT Vehicle Staff Advocates Engagement Willful Non- Write-Off E-Cour
Slide 12: Aspiring for FY23
Aspiring for FY23 Asset Quality Asset Quality GNPA < NNPA < 9% 2.90% Rs. <1.70 15,000 <2% % Crores Credit NIM Cost Recovery Delinquency 11
Slide 13: Thank you
Thank you