Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q3 FY2025 Earnings Presentation
30 slides from Union Bank Of India's earnings presentation, Jan 27, 2025
Slide 1: Exchange filing cover letter: Presentation on Financial Results
संदर्भ Ref.:नि.से.वि.ISD/391/2024-25 ददि ंक Date : जििरी January 27, 2025 बीएसई लिलिटे ड BSE Ltd. नेशनि टॉक एक्स्चेंज ऑफ इिं लडया लिलिटे ड बीएसई लिस्टिं ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 लनप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ लसक्य
Slide 2: Investor Presentation Financial Results Q3FY25
Investor Presentation Financial Results Q3FY25 Union Green Home Loan Uni Pay Plus 1
Slide 3: Overview: Global Business mix, branches and shareholding
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 21.66 Trillion 9.2% Share among PSBs in Business* Advances: ₹ 9.49 Trillion Deposits : ₹
Slide 4: Guidance vs Actuals
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Guidance vs Actuals Key Parameters Mar-25 Dec-24 (9M) (Guidance) (Actual) Advances Growth (YoY) 11 – 13 % 5.94 % Dep
Slide 5: Operating Performance (Dec-24 Q)
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Operating Performance (Dec-24 Q) Deposits Advances RAM Capital Asset Quality GNPA 3.85 % CRAR 16.72% 3.76% YoY 5.94%
Slide 6: Profitability
Strategic Cyber Security Guidance & Business Asset Quality & Financial & Group Entities Overview Financials Initiatives / Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome EASE Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ in crore 7785 8113 4720
Slide 7: Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore ₹ 27,216 Crore ₹ 8,627 Crore 7.93 7.53 7.34 63770 Reducti
Slide 8: Robust & diversified Credit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Robust & diversified Credit Growth ₹ in crore Particulars Dec-23 Mar-24 Sep-24 Dec-24 YoY (%) QoQ (%) Retail 1,73,44
Slide 9: Credit Growth - RAM
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 2.02 lakh crores ~₹ 1.85 lakh crores ~
Slide 10: Credit to Industries; Rating-Corporate Loans
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans S. No. Sectors Dec-23 Dec-24 (>25 Cr) ₹ I
Slide 11: Deposit Growth
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 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 Dec-23 Mar-24 Sep-24 Dec-
Slide 12: Investment Portfolio
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Investment Portfolio ₹ in crore Composition of Domestic Investments Domestic 3,42,806 3,44,712 3,57,175 3,43,223 Inv
Slide 13: Profit & Loss Statement
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Profit & Loss Statement ₹ in crore Dec-23 Mar-24 Sep-24 Dec-24 Dec-23 Dec-24 Parameter Y-o-Y% Q-o-Q% Y-o-Y% (3M) (12
Slide 14: Provisions
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Dec-23 Mar-24 Sep-24 Dec-24 Dec-23 Dec-24 Parameter (3M) (12M) (3M) (3M) (9M) (9M) NPAs 1,226
Slide 15: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios CoD% YoA% YoI% 8.75 8.70 8.78 8.66 8.73 5.56 5.56 5.50 5.27 5.15 6.89 6.90 6.90 6.72 6.69 0.38 0.29 0.36
Slide 16: Key Ratios
Asset Strategic Guidance & Business Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios Cost to Income% Earning per Share (₹) Price to Earning (P/E) 45.14 24.73 24.12 44.25 22.71 6.15 6.13 43.7
Slide 17: Movement of NPAs
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Dec-23 Mar-24 Sep-24 Dec-24 Dec-23 Dec-24 Parameter (3M) (12M) (3M) (3M) (9M) (9M) Gross
Slide 18: Sectoral Asset Quality
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Sectoral Asset Quality Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Dec-23 Mar-24 Sep-
Slide 19: Capital Adequacy; Rating / Outlook by Rating Agencies
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Capital Adequacy Rating / Outlook by Rating Agencies Domestic in % Rating Agency AT-1 Tier-II 15.03 16.97 17.13 16.7
Slide 20: Inclusive Growth: Government Schemes
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Inclusive Growth Government Schemes Amount Sanctioned Scheme No. of Accounts (₹ in crore) PMSVANidhi 9,67,043 1,380
Slide 21: ESG: Banking for Sustainable Development
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 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 22: Performance Overview – Business: Digital Initiatives
Strategic Performance Overview Overview Guidance & Q3 Highlights –Business Q1 FY 25Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Initiatives / Cyber Security Group Entities & Awards Outcome Digital Business in Q3 FY 2024-25 Digital Initiatives Digital Lending Journeys Union
Slide 23: Digitization in Focus
Strategic Performance Overview Overview Guidance & Q3 Highlights –Business Q1 FY 25Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Initiatives / Cyber Security Group Entities & Awards Outcome Digitization in Focus Digital Business Platform Digital Union Roof Top Solar Scheme CB
Slide 24: Outcome of Various Digital Initiatives
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 36% 33 lac+ ~2.2x Cumulative YoY growth in Fixed Deposits amount sourced Gold
Slide 25: Digital Footprints
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Digital Footprints (No. in Lakhs) Mobile Banking Users Net Banking Users (Retail) Debit Card Users 540 544 562 543 3
Slide 26: Corporate 360 Degree Solution
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Business Centre (CBC) Acquisition of New Corporate Groups
Slide 27: Cyber Security Governance, Achievements & Recent Developments
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 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 Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union Bank of India (UK) Ltd.
Slide 29: Awards and Accolades
Strategic Guidance & Business Asset Quality & Financial Group Entities Overview Financials Initiatives / Cyber Security Q3 Highlights Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades HR Excellence Award (Platinum Award) by Apex Organization with Innovative HR Practices Indi
Slide 30: 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
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