Union Bank Of India Limited · NSE:UNIONBANK

Union Bank Of India — Q4 FY2013 Earnings Presentation

30 slides from Union Bank Of India's earnings presentation, May 2013

  1. Slide 1: Financial Results Q4 & Financial Year ended Mar 2013

    Financial Results Q4 & Financial Year ended Mar 2013 1

  2. Slide 2: Highlights

    Highlights Global Business has recorded annual growth rate of 17.77% to ` 475673 crore. Net Interest Income has increased by 11.04 %from ` 6793 crore to ` 7543 crore. Non Interest Income has increased by 4.25 % from ` 2448 crore to ` 2552 crore. Net profit for Year ended Mar.13 increased by 20.76% t

  3. Slide 3: Highlights: Improving Performance QoQ

    Highlights Improving Performance QoQ (Sequentially) 2000 1980 1000 875 1891 800 1850 640 1822 546 600 491 400 200 1600 0 Jun 12 Q1 Sep.12 Q2 Dec.12 Q3 Mar.13 Q4 Jun 12 Q1 Sep.12 Q2 Dec.12 Q3 Mar.13 Q4 Net Interest Income Other Income 3

  4. Slide 4: Growth of Union Bank vis-a-vis SCBs

    Highlights GROWTH OF UNION BANK vis-a-vis SCBs (QoQ) (Mar 2013) Domestic Aggregate Deposits (Rs. in crore) 23rd March 2012* 22nd March, 2013* Growth Amt. % age SCBs 5909082 6751422 842340 14.26 Union Bank 197576 234629 37053 18.75 Market Share (%) 3.34 3.48 14bps Credit SCBs 4611852 5262836 650984 1

  5. Slide 5: Performance for the Quarter and Year ended Mar. 13

    Performance for the Quarter and Year ended Mar. 13 5

  6. Slide 6: Net Interest Income (NII)

    Net Interest Income(NII) 1980 2000 1821 8000 7543 1800 6793 1600 7000 1400 6000 1200 5000 1000 4000 800 3000 600 400 2000 200 1000 MAR 12 MAR 13 MAR 12 MAR 13 Quarterly Yearly MAR 10 MAR 11 MAR 12 MAR 13 CAGR % Net Interest Income 4192 6216 6793 7543 21.63 6

  7. Slide 7: Net Interest Margin

    Net Interest Margin 9.35 9.19 10 9.61 9.06 Net Interest 8.00 6.33 6.43 Margin (on Earning Assets) 8 6.54 6.36 6.00 6 is 2.89% for 4 3.16 4.00 3.16 2.96 the quarter. 2.89 2.00 2 NIM For Year is 0.00 0 MAR 12 MAR 13 MAR 12 MAR 13 at 2.96%. Yield on Funds Cost of funds NIM (Earning Assets) Yield on Fun

  8. Slide 8: Non-Interest Income

    Non- Interest Income (` in crore) MAR 12 MAR 13 Growth MAR 12 MAR 13 Growth (Q4) (Q4) % (FY) (FY) % Core Non Interest Income 459 433 -5.66 1392 1422 2.16 Treasury Income 190 341 79.47 702 806 14.81 W/w Profit on Sale of 127 235 85.04 441 477 8.16 Investments Exchange on Foreign 63 106 68.25 261 329

  9. Slide 9: Operating Profit

    Operating Profit • Operating Profit for the quarter 2000 1685 increased from 5583 1599 6000 5254 `.1599 crore to 1600 5500 5000 `.1685 crore, i.e. 1200 4500 an increase of 4000 5.38% 3500 800 3000 2500 • On Yearly basis 400 2000 Operating Profit 1500 1000 increased from ` 0 MAR 12 MAR 13 500 5254 Cr

  10. Slide 10: Provisions

    Provisions (` in crore) MAR 12 MAR 13 MAR 12 MAR 13 (Q4) (Q4) (FY) (FY) Taxation 309 240 926 906 NPA 226 211 1511 1556 Standard Assets 139 102 230 222 Depreciation on Investment -108 154 55 197 Shifting Loss 0 0 62 17 Restructured, FITL (Both Standard Advances & 260 188 683 527 Investments) and Othe

  11. Slide 11: Net Profit

    Net Profit • The Net Profit for 800 789 the quarter has 2400 2158 increased from Rs. 773 2100 1787 773 crore to Rs. 789 1800 crore, i.e. an increase of 2.07% 1500 1200 • The Net Profit for the FY has ` 900 increased from 600 1787 crore to 300 `.2158 crore in FY MAR 12 MAR 13 700 13, i.e. an increase

  12. Slide 12: Deposits

    Deposits 320000 263762 280000 Total Deposits grew at 222869 240000 18.35% YoY. 200000 The High Cost Deposits 160000 have reduced from `37497 crore to `23357 120000 81635 69705 80000 crore. 40000 0 MAR 12 MAR 13 TOTAL DEPOSITS CASA (` in Crore) Deposits Mar 12 March 13 CASA 69705 81635 CASA % to Tota

  13. Slide 13: Advances

    Advances Bank registered a YoY growth Advances of 17.06% in Advances. 240000 CD Ratio of the Bank is 84.11% 211911 200000 181031 as compared to 84.94% during 160000 the corresponding period of 120000 last year. 80000 MARCH 12 MARCH 13 Domestic Advances have increased by 15.74% from `171850 crore to

  14. Slide 14: Overseas Business

    Overseas Business Total Business US $ 2.91 Billion i.e. ` 15780 crore Total Deposits US $0.51 Billion i.e. ` 2763crore Total Advances US $ 2.40Billion i.e. ` 13017 crore. US $ 16.13 Million i.e. ` 87.54 crore. Net Profit Shanghai, Beijing, Abu Dhabi, London and Bank’s Representative Offices Sydney.

  15. Slide 15: Retail Assets

    Retail Assets Product-wise composition of Retail Assets MAR 13 14.40 Housing Loans Personal Loans Education Loans 8.73 Auto Loans Other Retail 10.53 63.04 3.30 15

  16. Slide 16: Top Sector Exposures

    Top Sector Exposures Across Large & Mid Corporates, SME and Agri Business Rank Sectors 31.12.12 31.03.2013 Amount % Amount % (`. in Crore) (`. in Crore) 1 Infrastructure 32737 17.23 34723 16.38 2 NBFCs and HFCs 21915 11.53 23110 10.90 3 Agriculture 19389 10.20 19976 9.43 4 Retail Advances 18692 9.84

  17. Slide 17: Investments

    Investments Investments has increased from ` 100000 62524 cr to `.81189 cr. i.e. increase 81189 9.00 of 29.85%. 75000 62524 7.00 Yield on Investments has shown 7.38 5.00 50000 6.96 improvement from 6.96% to 7.38% an 3.00 increase of 42 bps. 25000 1.00 MAR 12 MAR 13 Out of Total AFS portfolio of ` 17

  18. Slide 18: Assets Restructured

    Assets Restructured `. in Crs . Upto March 12 During April – During Jan 13 Total Dec 2012 - Mar 2013 Accts. Amt. Accts. Amt. Accts. Amt. Accts. Amt. Assets Restructured 120781 11879 685 3686 144 1400 121610 16965 Accts. Amt. Accts. Amt. Accts. Amt. Accts. Amt. Amount Recovered - 2816 - 2224 - 703 -

  19. Slide 19: Assets Restructured upto FY 13

    Assets Restructured upto FY 13 Nature of UPTO MAR 12 During April- Dec. 12 DURING Mar .13 Advance QTR. No. Of Amt. No of Amt. No of Amt. Accts Accts Accts (` in Crs) (` in Crs) (` in Crs) MSME W/w 30282 1315.04 74 159.35 30 292.02 Micro Enterprises 21382 276.45 34 1.26 9 0.67 Small Enterprises 8745

  20. Slide 20: NPA Management

    NPA Management (`.in crore) Mar 12 Dec 12 Mar 13 FY 9M FY Gross NPAs – Opening 3623 5450 5450 Add : Additions 3760 3100 3975 Less : Deductions 1933 2166 3111 1. Due to Write Off 995 625 1128 2. Due to upgradation / Recovery 938 1541 1983 Gross NPAs 5450 6384 6314 Gross NPA as a % age of GBC 3.01 3.3

  21. Slide 21: Sector-wise NPAs

    Sector-wise NPAs (`. in crore) SECTOR NPAs Slippages NPAs % to Total % to Dec.12 During Q4 Mar. 13 NPAs Sector Loan Agriculture 1558 17 1465 23.20 7.33 Micro & Small 1197 88 1261 19.97 5.15 (MSE) Retail Loans 600 24 561 8.88 2.88 Others 3029 745 3027 47.95 2.05 Total 6384 874 6314 100 2.98 21

  22. Slide 22: Important Ratios

    Important Ratios MAR 12 MAR 13 (12M) ( 12M) Earning Per Share (Rs) 34.07 36.16 Cost to Income Ratio (%) 43.15 44.70 Return on Average Assets (%) 0.79 0.79 Book Value Per Share (Rs) 237.48 264.37 22

  23. Slide 23: Productivity Ratios

    Productivity Ratios (`. In lacs) MAR 12 MAR 13 (12M) (12M) Business per Employee 1310 1496 Business per Branch 12618 13548 Gross Profit per Employee 17.04 17.56 Gross Profit per Branch 164.13 159.01 Net Profit per Employee 5.80 6.79 Net Profit per Branch 55.83 61.46 23

  24. Slide 24: Capital Adequacy Ratio (Basel II)

    Capital Adequacy Ratio (Basel II)  Capital Adequacy Ratio is at 14 11.45% as on Mar. 2013 11.85 11.45 against 11.85% as on Mar. 12 12 due to increase in volume of 10 business. 8.37 8.23 8  Tier-I capital funds have increased from `.14052 crore 6 in Mar 12 to `.16785 crore in 4 3.48 3.22 Mar 13 due

  25. Slide 25: Distribution Channels

    Distribution Channels ATMs opened during F.Y.13 - 802 BRANCH MIX Branches opened during F.Y. 13 - 310 Including Hong Kong and Dubai SERVICE OUTLETS 684 branches 1054 MAR 12 MAR 13 Branches 3201 3511 763 Ext. Counters 40 37 1010 Service branches 46 47 Total 3287 3595 ATMs 3801 4603 Metro Urban Semi-U

  26. Slide 26: Shareholding Pattern (31st Mar, 2013)

    Shareholding Pattern (31st Mar, 2013) 10.61 Govt. of India Banks, FIs, Ins. Cos. 13.47 Others FIIs and Foreign Mutual Funds 57.89 • Share Capital `.597 crore 18.03 •No. of Equity Shares 59.68 crore • Net worth `15777 crore • B. V. per share `264.37 •Return on Equity: 11.88% •Market Cap (31.03.2013)

  27. Slide 27: Major highlights of last quarter

    Major highlights of last quarter 27

  28. Slide 28: Major Highlights

    Major Highlights • The Bank, in its pursuit for expanding its international operations, opened its second international branch i.e. DIFC branch, Dubai. • The Bank’s Staff College won the prestigious Golden Peacock Award under category ‘Employer & Training Provider’. The Bank received the award for t

  29. Slide 29: 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

  30. Slide 30: Thank You

    NEW HORIZON-NEW THINKING Thank You Perform for better tomorrow

Union Bank of India — Q4 FY2013 Earnings Presentation on 6ix