Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q4 FY23 Earnings Presentation
24 slides from Union Bank Of India's earnings presentation, May 6, 2023
Slide 1: Exchange filing cover letter for results presentation
Ref संदर्भ Ref.:नि.से.वि.ISD/48/2023-24 ददि ंक Date : May 06, 2023 BSE Ltd. National Stock Exchange of India Ltd. Corporate Relationships Dept. Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No.C/1, G Block Dalal Street, Bandra-Kurla Complex, Bandra (E), Mumbai-400 001. Mumbai-40
Slide 2: Investor Presentation - Financial Results Q4 FY23
Investor Presentation Investor Presentation Investor Presentation Financial Results Financial Results Financial Q3 Results FY23 Q3 FY23 Q4 FY23 1
Slide 3: Global Business mix – ₹19.28 Trillion
Global Business mix – ₹ 19.28 Trillion 5th Largest PSB in Business Mix* Overview Advances: ₹ 8.10 Trillion 9.6% Share among PSBs in Business* Guidance Deposits : ₹ 11.18 Trillion Shareholding (%) Q4 Highlights 8,580 Branches & 10,835 ATMs Branches Share 1.67 FII Business Rural (30%) Urban (2
Slide 4: Key Parameters: Guidance vs Actuals
Guidance vs Actuals Overview Guidance Key Parameters Mar-23 Mar-23(12M) (Guidance) (Actual) Q4 Highlights Advances Growth (YoY) 10 – 12% 13.05% Business Deposits Growth (YoY) ~10.00% 8.26% Financials Asset Quality NIM % ~3.00% 3.07% Capital Adequacy GNPA % < 9.00% 7.53% Fin. Inclusion & ESG Strategi
Slide 5: Strong Operating Performance
Overview Strong Operating Performance Guidance Deposits RAM Advances Operating Profit Net Profit Q4 Highlights Business 8.26% YoY 14.94% YoY 13.05% YoY ₹ 25,467 Cr ₹ 8,433 Cr Financials Deposit growth Robust growth in Consistent & Increased by 16.43% Increased by 61.18% Asset Quality RAM advances Su
Slide 6: Robust & diversified Credit Growth
₹ in crore Overview Robust & diversified Credit Growth Composition% Particulars Mar-22 Dec-22 Mar-23 YoY Particulars Mar-22 Dec-22 Mar-23 YoY Guidance Gross Advances 7,16,408 8,04,015 8,09,905 13.05 Retail 1,36,273 1,54,037 1,59,702 17.19 56% Q4 Highlights Agriculture 1,33,092 1,50,652 1,51,993 14.2
Slide 7: Credit to Industries
₹ in crore Credit to Industries Overview (% Share in Domestic Advances) Rating-Corporate Loans Guidance (>25 Cr) S No Sectors Mar-22 Mar-23 Q4 Highlights ₹ In Crore % Share ₹ In Crore % Share 9 1 Infrastructure 1,11,776 15.98 1,11,005 14.14 11 Business -Power 46,729 - 41,855 - -Govt. PSU 22,103 - 22
Slide 8: Deposit growth
₹ in crore Overview Deposit growth Guidance Particulars Mar-22 Dec-22 Mar-23 YoY(%) Liquidity Position Q4 Highlights Total Deposits 10,32,392 10,65,027 11,17,716 8.26 Particulars As on 31.03.23 Business - Domestic Deposits 10,32,102 10,63,509 11,06,089 7.17 LCR 192.93 % Financials Asset Quality - CA
Slide 9: Investment Portfolio
₹ in crore Overview Investment Portfolio Guidance Domestic Investments 3,53,002 3,47,175 3,40,828 3,45,370 Q4 Highlights 25 25 26 25 Business 75 75 74 75 Financials Mar-22 Sep-22 Dec-22 Mar-23 Asset Quality SLR Non SLR Capital Adequacy Particulars Mar-22 Sep-22 Dec-22 Mar-23 Mar-22 Sep-22 Dec-22 Mar
Slide 10: Profit & Loss Statement
Profit & Loss Statement Overview Guidance Parameter Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 YoY QoQ 12M FY22 12M FY23 Growth Interest Income 17,174 18,174 19,682 20,883 22,005 28.12 5.37 67,944 80,743 18.84 Q4 Highlights Interest Expense 10,405 10,593 11,377 12,255 13,754 32.19 12.23 40,157 47,978 19.47
Slide 11: Key Ratios
Key Ratios Overview Net Interest Margin (NIM) % Cost & Yield Ratio (%) Cost to Income Ratio (%) Guidance Gross Profit per Employee (Rs. in Cr) CoD YoA YoI 55.00 49.53 8.03 Q4 Highlights 3.07 6.98 7.14 7.68 50.00 46.27 2.98 2.94 44.87 45.74 6.57 6.09 6.32 2.75 5.99 45.00 0.36 Business 4.13 4.81 4.12
Slide 12: Movement of NPA
₹ in crore Movement of NPA Overview Parameter Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 12M FY22 12M FY23 Guidance Gross NPA - Opening 77,787 79,587 74,500 65,391 63,770 89,788 79,587 Q4 Highlights Add : Additions 5,672 4,244 2,913 2,567 2,794 22,877 12,518 -Balance increase in existing NPA 409 530 211 262
Slide 13: Sectoral Asset Quality
₹ in crore Overview Sectoral Asset Quality Guidance Slippages Outstanding NPA as on Sectoral NPA (%) Q4 Highlights Segment During Q4 FY 23 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Mar-22 Mar-23 Business Retail Loans 406 4,972 4,821 4,694 4,848 4,693 3.67 2.94 Financials Agriculture 1,171 15,407
Slide 14: Capital Adequacy Ratio and RWA
Capital Adequacy Ratio(%) RWA to Gross Advances(%) Overview Guidance 14.52 14.50 14.45 16.04 76.20 Q4 Highlights 73.24 2.13 71.76 71.42 2.32 2.24 2.18 1.55 Business 1.56 1.59 1.56 Financials 12.36 10.63 10.67 10.71 Asset Quality Capital Mar-22 Sep-22 Dec-22 Mar-23 Mar-22 Sep-22 Dec-22 Mar-23 Adequac
Slide 15: Inclusive Growth: Priority Sector Lending and Government Schemes
₹ in crore Inclusive Growth Overview Priority Sector Lending Government Schemes Guidance Achieved No. of Amount RBI Benchmark Scheme Q4 Highlights Particulars (as % of Accounts Sanctioned (as % of ANBC) ANBC) Agriculture 18.00 19.00 PMSVANidhi 4,97,793 625 Business Small and Marginal Farmers 9.50 13
Slide 16: ESG initiatives
Overview • Credit facility to Renewable Energy Social * Customer Rights Policy Sector – ₹ 10,370 Crores * ₹ 215 Crore Sanctioned under Union * Related Party Transactions Policy Guidance S Green Miles * Whistle Blower policy Q4 Highlights * Finance to MSME under TReDS :No. of Bills discounted 63,365
Slide 17: Initiatives Across Domains
Initiatives Across Domains Overview Guidance HR Digital Q4 Highlights Empower Her/Power Him: Gold Loan STP Committee with a focus on Business gender centric issues Initiated establishing Next Generation State-of-Art Digital 9 Union Learning Academies Contact Center Financials (ULA) to build
Slide 18: VYOM - One Stop Solution
Overview VYOM - One Stop Solution . Guidance Savings Account, FD Demat & RD . Register Using Aadhaar + Q4 Highlights OTP . Business Mutual Fund & Insurance Generation of Form-16 Deposits Loans Fund Transfer Financials . Dispute Resolution of UPI Loan Against Deposit Invest Insurance Govt. Sch transa
Slide 19: Outcome of Various Digital Initiatives
Outcome of Various Digital Initiatives Overview 7.68 Guidance 38 lacs+ 3rd Cumulative Q4 Highlights Highest volume of UPI STP Journeys launched Accounts renewed/reviewed digitally remittances processed among PSBs Business Financials 81% 40% 82% During FY23 Asset Quality Capital Retail accounts revie
Slide 20: Digital Footprints
Digital Footprints (No. in Lakhs) Overview Guidance Mobile Banking Users Net Banking Users(Retail) Credit Card Users Q4 Highlights 201 213 74 6.45 187 166 72 5.55 5.75 71 5.38 Business 68 Financials Mar-22 Sep-22 Dec-22 Mar-23 Mar-22 Sep-22 Dec-22 Mar-23 Mar-22 Sep-22 Dec-22 Mar-23 Asset Quality Cap
Slide 21: Customer Centric & Enhanced Technical Capabilities
Overview Customer Centric & Enhanced Technical Capabilities Guidance Q4 Highlights Business Financials Asset Quality Digitally Enabled Customer Offerings Capital Adequacy Fin. Inclusion & Big Data and Analytics ESG Strategic Initiatives/Outcome Amongst all PSBs For Q3 FY23 Modern Technology Capabili
Slide 22: Subsidiaries & Joint Ventures
Subsidiaries & Joint Ventures Overview ₹ in crore Profit After Tax Guidance Name of the Entity Holding(%) FY22 FY23 Subsidiaries Q4 Highlights Union Bank of India (UK) Limited 100.00% 40.00 0.38 Union Asset Management Co. Private Limited 100.00% 11.89 13.29 Business UBI Services Ltd. 100.00% 24.54 2
Slide 23: Awards and Accolades Q4FY23
Overview Awards and Accolades Q4FY23 Guidance India Academia Conference 2023 Corporate Award Q4 Highlights Business Financials 1st Rank in the category of “ Best Golden Peacock HR Excellence Guarantee Coverage (Number)” for FY Awards 2022 2022-23 by CGTMSE Asset Quality Capital Adequacy Fin. Inclusi
Slide 24: Guidance Mar-24 and Disclaimer
Key Parameters Mar-24 (Guidance) Advances Growth (YoY) 10 – 12% Deposits Growth (YoY) 8-10 % NIM % ~3.00% GNPA % < 6.00% Slippages ~ Rs. 12,000 Cr Gross Recovery ~ Rs. 16,000 Cr Disclaimer Except for the historical information contained herein, statements in this presentation which contain words or