Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q4 FY2025 Earnings Presentation
28 slides from Union Bank Of India's earnings presentation, 2025
Slide 1: Investor Presentation Financial Results Q4/FY25
Investor Presentation Financial Results Q4/FY25 1
Slide 2: Global Business mix – ₹ 22.93 Trillion
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 22.93 Trillion 8.9% Share among PSBs in Business* ▪ Advances: ₹ 9.83 Trillion ▪ Deposits : ₹
Slide 3: Guidance vs Actuals
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Guidance vs Actuals Key Parameters Mar-25 (12M) Mar-25 (12M) (Guidance) (Actual) Advances Growth (YoY) 11 – 13 % 8.6
Slide 4: Operating Performance (Mar-25 Q)
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Operating Performance (Mar-25 Q) Deposits Advances RAM Capital Asset Quality CRAR 18.02% GNPA 3.60% 7.22% YoY 8.62%
Slide 5: Profitability
Strategic Cyber Security Guidance & Business Asset Quality & Financial Initiatives / & Group Entities Overview Financials Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome EASE Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ in crore 7785 8113 9437
Slide 6: Asset Quality
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore 7.53 7.34 60987 60104 ₹ 25,637 Crore ₹ 6,959 Crore 6.38 R
Slide 7: Robust & diversified Credit Growth
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Robust & diversified Credit Growth ₹ in crore Particulars Mar-24 Dec-24 Mar-25 YoY (%) QoQ (%) Retail 1,77,488 2,01,
Slide 8: Credit Growth- RAM
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 2.17 lakh crores ~₹ 1.78 lakh crores ~
Slide 9: Credit to Industries
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans S. No Sectors Mar-24 Mar-25 (>25 Cr) . ₹
Slide 10: Deposit Growth
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Deposit Growth ₹ in crore 2Y - CAGR Liquidity Position Y-o-Y Q-o-Q As on As on Particulars Mar-24 Dec-24 Mar-25 Part
Slide 11: Investment Portfolio
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Investment Portfolio ₹ in crore Composition of Domestic Investments Domestic 3,44,712 3,43,223 3,56,954 Investments
Slide 12: Profit & Loss Statement
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Profit & Loss Statement ₹ in crore Mar-24 Dec-24 Mar-25 Mar-24 Mar-25 Parameter Y-o-Y% Q-o-Q% Y-o-Y% (3M) (3M) (3M)
Slide 13: Provisions
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Mar-24 Dec-24 Mar-25 Mar-24 Mar-25 Parameter (3M) (3M) (3M) (12M) (12M) NPAs 1,485 1,477 1,676
Slide 14: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios CoD% YoA% YoI% 8.87 8.78 8.72 8.73 8.74 5.56 5.60 5.53 5.42 6.90 6.87 5.22 6.75 6.83 6.70 0.38 0.29 0.36
Slide 15: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios Cost to Income% Earning per Share (₹) Price to Earning (P/E) 53.81 26.12 24.12 23.56 8.69 48.91 8.10 18.9
Slide 16: Movement of NPAs
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Mar-24 Dec-24 Mar-25 Parameter FY-24 FY-25 (3M) (3M) (3M) Gross NPA - Opening 43,262 40,
Slide 17: Sectoral Asset Quality
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Sectoral Asset Quality Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Mar-24 Dec-24 Mar-
Slide 18: Capital Adequacy Rating / Outlook by Rating Agencies
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Capital Adequacy Rating / Outlook by Rating Agencies Domestic in % Rating Agency AT-1 Tier-II 16.97 16.72 18.02 CRIS
Slide 19: Inclusive Growth
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Inclusive Growth Government Schemes Amount Sanctioned Scheme No. of Accounts (₹ in crore) PMSVANidhi 9,67,200 1,428
Slide 20: ESG: Banking for Sustainable Development
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ESG: Banking for Sustainable Development Environmental Social Governance 0.38 Board Approved ESG Risk Framework 32 R
Slide 21: Digital Business FY 2024-25 Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Digital Business FY 2024-25 Digital Initiatives Digital Lending Journeys ▪ Digital Co-lending Module on Knight Finte
Slide 22: Outcome of Various Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 31% 36 lac+ 2.0x Cumulative YoY growth in Fixed Deposits amount sourced Gold
Slide 23: Digital Footprints
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Digital Footprints (No. in Lakhs) Mobile Banking Users Net Banking Users (Retail) Debit Card Users 544 543 558 301 3
Slide 24: Corporate Degree Solution
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Business Centre (CBC) Acquisition of New Corporate Groups
Slide 25: Cyber Security Governance, Achievements & Recent Developments
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Cyber Security Governance, Achievements & Recent Developments Cyber Security Achievements Cyber Security Governance
Slide 26: Subsidiaries & Joint Ventures
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union Bank of India (UK) Ltd.
Slide 27: Awards and Accolades
Strategic Guidance & Business Asset Quality & Financial Initiatives / Group Entities Overview Financials Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades Presented by Asia L&D: Employer Branding ❖ HDM Awards for Best Workforce Planning 2024 Conferen
Slide 28: THANK YOU
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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