Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q3 FY2024 Earnings Presentation
29 slides from Union Bank Of India's earnings presentation, Jan 20, 2024
Slide 1: Exchange filing cover letter for results presentation
Ref संदर्भ Ref.: नि.से.वि.ISD/418/2023-24 ददि ंक Date : January 20,2024 बीएसई लिलिटे ड BSE Ltd. ने शनि 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 लसक्यो
Slide 2: Uni Pay Plus
350+ Services jpowerment (only PSB to have Women's Hockey Team) Uni Pay Plus
Slide 3: Global Business mix – ₹20.68 Trillion
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 20.68 Trillion 9.3% Share among PSBs in Business* Advances: ₹ 8.96 Trillion Deposits : ₹
Slide 4: Guidance vs Actuals: Key Parameters
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Guidance vs Actuals Key Parameters Mar-24 Dec-23(9M) (Guidance) (Actual Y-o-Y) Advances Growth (YoY) 10 – 12% 11.4%
Slide 5: Strong Operating Performance (9MFY24)
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Strong Operating Performance (9MFY24) Deposits RAM Advances Operating Profit Net Profit 10.09% YoY 13.85% YoY 11.44%
Slide 6: Improved Profitability
Strategic Cyber Security Guidance & Business Asset Quality & Financial & Group Entities Overview Financials Initiatives / Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome EASE Improved Profitability Operating Profit ₹ in crore Net Profit ₹ in crore Net Interest Income ₹ in crore 3590
Slide 7: Improved Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Improved Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore ~Rs. 34,000 Crore ~Rs. 15,900 Crore R
Slide 8: Robust & diversified Credit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Robust & diversified Credit Growth Credit / Deposit Ratio Particulars Dec-22 Mar-23 Sep-23 Dec-23 YoY(%)
Slide 9: Credit to Industries
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans (>25 Cr) S No Sectors Dec-22 Dec-23 ₹ In
Slide 10: Deposit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Deposit Growth Particulars Dec-22 Mar-23 Sep-23 Dec-23 Y-o-Y(%) Liquidity Position As on Total Deposits 1
Slide 11: Investment Portfolio
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Investment Portfolio Domestic 3,40,828 3,45,370 3,48,030 3,42,806 Composition of Domestic Investments Inv
Slide 12: Profit & Loss Statement
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Profit & Loss Statement Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Dec-23 Parameter Y-o-Y% Y-o-Y% (3M) (3M
Slide 13: Provisions
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Dec-22 Mar-23 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Dec-23 Parameter (3M) (3M) (12M) (3M) (3M) (3
Slide 14: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios NIM% Cost to Income% Gross Profit per Employee (₹ in Cr) 3.21 3.18 44.97 3.11 3.10 44.37 3.08 43.68 43.77
Slide 15: Movement of NPAs
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Dec-22 Dec-23 Parameter (3M) (3M) (3M) (3M) (3M) (9M)
Slide 16: Sectoral Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Sectoral Asset Quality Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Dec-22 Mar-23 Jun-
Slide 17: Capital Adequacy Ratio, Ratings and Capital Raising
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Rating / Outlook upgraded by Domestic Rating Agencies Capital Adequacy Ratio (%) Rating Agency AT-1 Tier-II 14.45 16
Slide 18: Inclusive Growth
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Inclusive Growth Priority Sector Lending Government Schemes Achieved Amount RBI Benchmark No. of Particulars (as % o
Slide 19: ESG: Banking for Sustainable Development
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 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 20: Vyom: Key highlights till date
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Vyom: Key highlights till date Personalized Seamless >25 Mn Users 350+ XYZ Features New Features ₹ 3,500+ Cr Top-up
Slide 21: Key Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Initiatives Digital Union Kisan CRM Uni Pay Plus Tatkal Scheme VYOM Integration: Lead Generation & Host to h
Slide 22: Outcome of Various Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 24% 5.50 lac+ 3rd Cumulative YTD growth in Fixed Highest volume of UPI Deposi
Slide 23: Digital Footprints
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Digital Footprints (No. in Lakhs) Mobile Banking Users Net Banking Users (Retail) Credit Card Users 254 240 79 8.09
Slide 24: Corporate 360 Degree Solution
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Relationship Cell (CRC) Contributed NII of Rs. 150.32 C
Slide 25: Cyber Security Governance, Achievements & Recent Developments
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Cyber Security Governance, Achievements & Recent Developments Risk Management headed by CRO also oversees IT & Cyber
Slide 26: Subsidiaries & Joint Ventures
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Subsidiaries & Joint Ventures Holding Profit After Tax Name of the Entity Description (%) 9MFY23 9MFY24 S
Slide 27: UBISL
Strategic Group Guidance & Business Asset Quality & Financial Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome UBISL PAN India Presence: Workforce: Footprints in 25 states ,117 Regional Offices 4600+ Employees Covering 12
Slide 28: Awards and Accolades
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades Vmware “Hero for Good” Award 2023 IBSi Global Fintech Innovation Award 2023 0.29 0.36 0.29 Rece
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
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