Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q4 FY24 Earnings Presentation
30 slides from Union Bank Of India's earnings presentation, May 10, 2024
Slide 1: Exchange filing cover letter: presentation on financial results
Ref संदर्भ Ref.:नि.से.वि.ISD/36/2024-25 ददि ंक Date : May 10, 2024 बीएसई चिचिटे ड BSE Ltd. नेशनि टॉक एक्स्िेंज ऑफ इं चडया चिचिटे ड बीएसई चिस्टं ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 चनप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ चसक्योररटी Sec
Slide 2: Investor Presentation Financial Results Q4FY24
Investor Presentation Financial Results Q4FY24 Uni Pay Plus 1
Slide 3: Overview: Global business mix and network
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 21.26 Trillion 9.5% Share among PSBs in Business* Advances: ₹ 9.05 Trillion Deposits : ₹
Slide 4: Key Parameters: Guidance vs Actuals
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Guidance vs Actuals Key Parameters Mar-24 Mar-24(12M) (Guidance) (Actual Y-o-Y) Advances Growth (YoY) 10 – 12 % 11.7
Slide 5: Strong Operating Performance (12MFY24)
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Strong Operating Performance (12MFY24) Deposits Advances RAM Capital Asset Quality CRAR 16.97% GNPA 4.76% 9.29% YoY
Slide 6: Profitability
Strategic Cyber Security Guidance & Business Asset Quality & Financial & Group Entities Overview Financials Initiatives / Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome EASE Profitability Operating Profit ₹ in crore Net Profit ₹ in crore Net Interest Income ₹ in crore 3511 3590 9437
Slide 7: Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore ₹ 36,489 Crore 11.11 ₹ 15,313 Crore 10.22 Redu
Slide 8: Robust & diversified Credit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Robust & diversified Credit Growth Particulars Mar-23 Sep-23 Dec-23 Mar-24 YoY(%) Particulars Mar-23 Sep-
Slide 9: Credit Growth - RAM
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 1.77 lakh crores ~₹ 1.84 lakh crores ~
Slide 10: Credit to Industries and Rating of Corporate Loans
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans (>25 Cr) S. No. Sectors Mar-23 Mar-24 ₹ I
Slide 11: Deposit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Deposit Growth Particulars Mar-23 Sep-23 Dec-23 Mar-24 Y-o-Y(%) Liquidity Position As on Total Deposits 1
Slide 12: Investment Portfolio
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Investment Portfolio Domestic 3,45,370 3,48,030 3,42,806 3,44,712 Composition of Domestic Investments Inv
Slide 13: Profit & Loss Statement
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Profit & Loss Statement Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Mar-23 Mar-24 Parameter Y-o-Y% Y-o-Y% (3M) (3M
Slide 14: Provisions
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Mar-23 Mar-24 Parameter (3M) (3M) (3M) (3M) (3M) (12M) (12M
Slide 15: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios CoD% YoA% YoI% 8.75 8.87 8.73 6.72 6.75 6.70 5.27 5.42 6.57 5.22 8.03 6.32 4.81 7.68 4.37 0.38 0.29 0.36
Slide 16: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / 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 49.53 19.37 18.95 8.69 17.66 8.10 16.2
Slide 17: Movement of NPAs
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Mar-23 Mar-24 Parameter (3M) (3M) (3M) (3M) (3M) (12M
Slide 18: Sectoral Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / 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-23 Jun-23 Sep-
Slide 19: Capital Adequacy, Ratings and Capital Raised
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Capital Adequacy Rating / Outlook by Domestic Rating Agencies 16.04 15.03 16.97 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 Q4 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 Q4 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: Key Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Initiatives Digital Savings Account Digital PM SVANidhi Digital KCC – Assisted Mode Online PAN & Aadhaar valid
Slide 23: Digital Channels: Key highlights till date
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key highlights till date 35.3+ Mn* 2.7+ Mn 6 Lakh+ Digital VYOM (26.8 Mn) + Internet CRM CBDC Users registered on Le
Slide 24: Outcome of Various Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 34% 2.5 lac+ ~5x Cumulative YoY growth in Fixed Gold Loan Accounts Deposits a
Slide 25: Digital Footprints
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / 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 544 268 530 540 2
Slide 26: Corporate 360 Degree Solution
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Relationship Cell (CRC) Acquisition of New Corporate Grou
Slide 27: Cyber Security Governance, Achievements & Recent Developments
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Cyber Security Governance, Achievements & Recent Developments Risk Management headed by Cyber CROSecurity Achievemen
Slide 28: Subsidiaries & Joint Ventures
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union Bank of India
Slide 29: Awards and Accolades
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q4 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades STAR PERFORMER-RANK 1 Award in NPS The Game Changer Campaign organized by MSME Banking Excellen
Slide 30: Thank You: FY25 guidance and disclaimer
Key Parameters Mar-25 (Guidance) Advances Growth (YoY) 11 - 13 % Deposits Growth (YoY) 9 - 11 % NIM % 2.8 – 3.0 % GNPA % < 4.0 % Slippages ~ ₹ 11,500 Cr Gross Recovery ~ ₹ 16,000 Cr Disclaimer Except for the historical information contained herein, statements in this presentation which contain words