Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q3 FY23 Earnings Presentation
23 slides from Union Bank Of India's earnings presentation, Jan 20, 2023
Slide 1: Exchange filing letter: Presentation on Financial Results Q3 FY23
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Slide 2: Investor Presentation Q3 FY23 Financial Results
Investor Presentation Investor Presentation Investor Presentation Financial Results Financial Results Financial Q3 Results FY23 Q3 FY23 Q3 FY23 1
Slide 3: Overview: Global Business mix INR 18.69 Trillion
Overview Global Business mix – INR 18.69 Trillion 5th Largest PSB in Business Mix Advances: INR 8.04 Trillion 9.5% Share among PSBs in Business Q3 Highlights Deposits : INR 10.65 Trillion Guidance Shareholding (%) 8710 Branches & 10,953 ATMs Branches Share 1.62 FII Business Rural (29%) Urban
Slide 4: Q3 Highlights
Overview Advances Deposits RAM Operating Profit Net Profit Q3 Highlights Guidance Business 20.1% YoY 13.6% YoY 17.8% YoY Rs. 6,619 Cr Rs. 2,245 Cr Robust Credit Steady Deposit Sustained & Increased by 29.8% YoY Increased by 106.8% YoY Financials Growth growth consistent growth Asset Quality GNPA NNP
Slide 5: Key Parameters
Overview Key Parameters Mar-23 Dec-22(9M) (Guidance) (Actual) Q3 Highlights Advances Growth (YoY) 10 – 12% 20.09% Guidance Deposits Growth (YoY) ~10.00% 13.61% Business CASA % ~37.00% 35.30% Financials Asset Quality NIM % ~3.00% 3.11% Capital GNPA % < 9.00% 7.93% Adequacy Strategic NNPA % < 2.90% 2.
Slide 6: Robust & diversified Credit Growth
₹ in crore Overview Robust & diversified Credit Growth Composition% Particulars Dec-21 Mar-22 Dec-22 YoY Particulars Dec-21 Mar-22 Dec-22 YoY Q3 Highlights Gross Advances 669,531 7,16,408 8,04,015 20.1 Retail 1,32,164 1,36,273 1,54,037 16.6 55% Guidance Agriculture 1,28,152 1,33,092 1,50,652 17.6 R
Slide 7: Credit to Industries
₹ in crore Overview Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans Q3 Highlights (>5 Cr) S No Sectors Dec-21 Dec-22 Rs. In Crore % Share Rs. In Crore % Share Guidance 1 Infrastructure 1,10,598 16.92 1,16,437 14.87 10 -Power 48,518 - 43,710 - 12 Business -Govt. PSU 22,369
Slide 8: Steady deposit growth
₹ in crore Overview Steady deposit growth Q3 Highlights Composition of Deposits Particulars Dec-21 Mar-22 Dec-22 YoY(%) Guidance Total Deposits 9,37,455 10,32,392 10,65,027 13.61 24 - Domestic 9,37,189 10,32,102 10,63,509 13.48 Business 76 - Overseas 266 290 1,518 470.68 Financials CASA(%) 36.99 36.
Slide 9: Investment Portfolio
₹ in crore Overview Investment Portfolio Q3 Highlights Domestic Investments 3,36,146 3,53,002 3,47,175 3,40,828 Guidance 27 25 25 26 Excess SLR Business ₹ 50,700 Cr 73 75 75 74 Financials Dec-21 Mar-22 Sep-22 Dec-22 Asset Quality SLR Non SLR Capital Particulars Dec-21 Mar-22 Sep-22 Dec-22 Dec-21 Mar
Slide 10: Profit & Loss Statement
Profit & Loss Statement Overview Parameter Dec-21 Mar-22 Sep-22 Dec-22 YoY QoQ 9M FY22 9M FY23 Growth Q3 Highlights Interest Income 16,930 17,174 19,682 20,883 23.35 6.10 50,770 58,739 15.70 Guidance Interest Expense 9,756 10,405 11,377 12,255 25.62 7.72 29,752 34,224 15.03 Business Net. Interest In
Slide 11: Key Ratios
Key Ratios Overview Net Interest Margin (NIM) % Cost & Yield Ratio (%) Cost-to-Income Ratio Q3 Highlights Gross profit Per Employee(Rs. in Cr) 7.65 7.84 7.20 50.0 0.4 6.98 47.4 0.34 0.35 3.21 0.35 Guidance 3.00 3.15 CoD 44.9 44.4 45.0 43.2 0.3 2.75 6.45 YoA 0.25 6.05 5.99 6.21 0.27 0.29 40.0 0.2 Bus
Slide 12: Movement of NPA
₹ in crore Movement of NPA Overview Parameter Dec-21 Mar-22 Sep-22 Dec-22 9M FY22 9M FY23 Q3 Highlights Gross NPA - Opening 80,211 77,787 74,500 65,391 89,788 79,587 Add : Additions 3,411 5,672 2,913 2,567 17,205 9,724 Guidance -Balance increase in existing NPA 292 409 211 262 1,104 1,132 -Fresh sli
Slide 13: Sectoral Asset Quality
₹ in crore Overview Sectoral Asset Quality Restructuring Slippages O/s NPA Q3 Highlights Sectoral NPA (%) Segment During as on Segment RF1.0 RF2.0 Q3 FY 23 Dec 2022 Dec-21 Dec-22 Guidance Retail Loans 450 4,848 3.78 3.15 MSME 1,399 2,921 Agriculture 819 16,192 12.27 10.75 Personal Loans 3,127 6,049
Slide 14: Capital Adequacy Ratio
Capital Adequacy Ratio(%) RWA to Gross Advances(%) Overview 13.92 14.52 14.50 14.45 Q3 Highlights 81.60 76.20 Guidance 2.17 2.32 2.24 2.18 73.24 1.56 1.59 1.56 71.76 1.57 Business 10.18 10.63 10.67 10.71 Financials Asset Quality Dec-21 Mar-22 Sep-22 Dec-22 Dec-21 Mar-22 Sep-22 Dec-22 Capital CET I A
Slide 15: Putting Digital at the Core of Bank's Strategy
Overview Putting Digital at the Core of One Super-App for all Bank’s Strategy Rapidly expanding Digital Ecosystem Financial Needs Q3 Highlights No. of Digital Journeys Live No. of A/Cs Renewed Digitally during 9M Guidance Business 20+ STP ₹1600+Cr 5.91+Lakhs 79% Deposits Loans Fund Transfer Insuranc
Slide 16: Digital Footprints
Digital Footprints (No. in Lakhs) Overview Debit Card Users Mobile Banking Users Net Banking Users(Retail) Q3 Highlights 514 72 502 201 71 187 Guidance 154 166 479 68 471 67 Business Dec-21 Mar-22 Sep-22 Dec-22 Dec-21 Mar-22 Sep-22 Dec-22 Dec-21 Mar-22 Sep-22 Dec-22 Financials Asset Quality Volume o
Slide 17: Initiatives across domains
Overview Improving Asset Quality Digital Innovations Q3 Highlights Separate “Transaction Innovation lab – Providing Monitoring Vertical” to Sandbox environment for Guidance monitor EWS & Frauds Fintech to test innovative products Business Financials Initiatives Feet on Street, Leveraging Ethical Hac
Slide 18: Creating best-in-class HR organization
Creating best-in-class HR organization Overview Setting the Foundation Q3 Highlights ● Unique Role & Measurable KRAs for entire Step 1 workforce Guidance ● Job Families to build specialized, future ready skill-sets Business Digitized process & Control Financials Step 2 HR practices ● Assignment of r
Slide 19: Financial Inclusion: Priority Sector Lending and Govt. Schemes
₹ in crore Overview Priority Sector Lending Govt. Schemes Achieved No. of Amount Q3 Highlights RBI Benchmark Scheme Particulars (as % of Accounts Sanctioned (as % of ANBC) ANBC) Guidance Agriculture 18.00 20.96 PMSVANidhi 4,67,641 572 Small and Marginal Farmers 9.50 14.23 Union Guaranteed 3,91,627 1
Slide 20: ESG initiatives
Overview * Credit facility to Renewable Energy Sector – ₹11,031 Crores as on 31.12.2022 Q3 Highlights * ₹ 164 Crore Sanctioned as on 31.12.2022 under Union Green Miles * Finance to MSME under TReDS :No. of Bills discounted 59,366 of ₹7536 Crores Guidance * Sustainable Development And Business Respon
Slide 21: Subsidiaries, Joint Ventures, Associates
Overview Subsidiaries, Joint Ventures, Associates ₹ in crore Q3 Highlights Profit After Tax Name of the Entity Holding(%) Q3FY22 Q3FY23 Guidance Subsidiaries Union Bank of India (UK) Limited 100.00% 0.55 1.83 Business Union Asset Management Co. Private Limited 100.00% 6.04 3.83 Financials UBI Servic
Slide 22: Awards and Accolades
Overview Awards and Accolades Q3 Highlights Security Leader of the Year (BFSI) Won 6 IBA Awards-2022 Cyber Security under DSCI AISS Award-2022 Awards Guidance Best Security Practices (BFSI) under Best Technology Bank DSCI AISS Award-2022 Business BAI Global Innovation Award for Innovation in HR Tran
Slide 23: 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