Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q1 FY25 Earnings Presentation
29 slides from Union Bank Of India's earnings presentation, Jul 19, 2024
Slide 1: Exchange submission letter for Q1 results presentation
संदर्भ Ref.:नि.से.वि.ISD/118/2024-25 ददि ंक Date : July 19, 2024 बीएसई लिलिटेड BSE Ltd. नेशनि टॉक एक्स्चेंज ऑफ इिं लडया लिलिटे ड बीएसई लिस्टिं ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 लनप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ लसक्योररटी Secu
Slide 2: Investor Presentation Financial Results Q1FY25
Investor Presentation Financial Results Q1FY25 Uni Pay Plus 1
Slide 3: Global Business mix – ₹ 21.36 Trillion
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 21.36 Trillion 9.4% Share among PSBs in Business* Advances: ₹ 9.12 Trillion Deposits : ₹
Slide 4: Key Parameters: Guidance vs Actuals
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Guidance vs Actuals Key Parameters Mar-25 Jun-24 (Guidance) (Actual) Advances Growth (YoY) 11 – 13 % 11.46% Deposits
Slide 5: Strong Operating Performance (Q1FY25)
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Strong Operating Performance (Q1FY25) Deposits Advances RAM Capital Asset Quality CRAR 17.02% GNPA 4.54% 8.52% YoY 1
Slide 6: Profitability
Strategic Cyber Security Guidance & Business Asset Quality & Financial & Group Entities Overview Financials Initiatives / Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome EASE Profitability Operating Profit ₹ in crore Net Profit ₹ in crore Net Interest Income ₹ in crore 9437 9412 3511
Slide 7: Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore ₹ 33,077 Crore ₹ 14,490 Crore 10.22 74500 Redu
Slide 8: Robust & diversified Credit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Robust & diversified Credit Growth Particulars Jun-23 Mar-24 Jun-24 YoY(%) Particulars Jun-23 Mar-24 Jun-
Slide 9: Credit Growth - RAM
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 1.82 lakh crores ~₹ 1.89 lakh crores ~
Slide 10: Credit to Industries and Corporate Loan Ratings
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans (>25 Cr) S. No. Sectors Jun-23 Jun-24 ₹ I
Slide 11: Deposit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Deposit Growth Liquidity Position Particulars Jun-23 Mar-24 Jun-24 Y-o-Y(%) Particulars As on 30.06.24 To
Slide 12: Investment Portfolio
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Investment Portfolio Domestic 3,49,040 3,44,712 3,46,202 Composition of Domestic Investments Investments
Slide 13: Profit & Loss Statement
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Profit & Loss Statement Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Parameter Y-o-Y% Q-o-Q% (3M) (3M) (3M) (3M) (3
Slide 14: Provisions
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Jun-23 Sep-23 Dec-23 Mar-24 Mar-24 Jun-24 Parameter (3M) (3M) (3M) (3M) (12M) (3M) NPAs 1,984
Slide 15: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios CoD% YoA% YoI% 8.81 8.75 8.87 8.72 5.42 5.37 8.43 5.21 5.27 6.75 6.88 4.97 6.66 6.69 6.72 0.38 0.29 0.36
Slide 16: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios Cost to Income% Earning per Share (₹) Price to Earning (P/E) 53.81 20.23 19.37 19.28 18.94 8.69 17.66 7.0
Slide 17: Movement of NPAs
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Jun-23 Sep-23 Dec-23 Mar-24 Mar-24 Jun-24 Parameter (3M) (3M) (3M) (3M) (12M) (3M) Gross
Slide 18: Sectoral Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Sectoral Asset Quality Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Jun-23 Sep-23 Dec-
Slide 19: Capital Adequacy and Rating / Outlook by Rating Agencies
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Rating / Outlook by Rating Agencies Capital Adequacy Domestic 15.95 16.97 17.02 Rating Agency AT-1 Tier-II CRISIL AA
Slide 20: Inclusive Growth
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Inclusive Growth Priority Sector Lending Government Schemes Achieved Amount RBI Benchmark No. of Particulars (as % o
Slide 21: ESG: Banking for Sustainable Development
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ESG: Banking for Sustainable Development Environmental Social Governance 0.38 Board Approved ESG Risk Framework 30 R
Slide 22: Performance Overview – Business: Digital Initiatives
Strategic Performance Overview Overview Guidance & Q1 Highlights –Business Q1 FY 25Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Initiatives / Cyber Security Group Entities & Awards Outcome Digital Lending Journeys Digital Initiatives ₹ 9,768 + Cr ₹ 4.84 lakhs Business genera
Slide 23: Outcome of Various Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 33% 7 lac+ ~3.6x Cumulative YoY growth in Fixed Deposits amount sourced Gold
Slide 24: Digital Footprints
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Digital Footprints (No. in Lakhs) Mobile Banking Users Net Banking Users (Retail) Debit Card Users 280 540 544 551 2
Slide 25: Corporate 360 Degree Solution
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Relationship Cell (CRC) Acquisition of New Corporate Grou
Slide 26: Cyber Security Governance, Achievements & Recent Developments
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Cyber Security Governance, Achievements & Recent Developments Risk Management headed by Cyber CROSecurity Achievemen
Slide 27: Subsidiaries & Joint Ventures
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union Bank of India
Slide 28: Awards and Accolades
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q1 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades Finnoviti Award 2024 IMC Ladies’ Wing Award For two innovative products organized by For ex
Slide 29: Thank You / Disclaimer
Disclaimer Except for the historical information contained herein, statements in this presentation which contain words or phrases such as “is”, “aims”, ‘will’, ‘would’, ‘indicating’, ‘expected to’ etc., and similar expressions or variations of such expressions may constitute ‘forward-looking stateme