UNIONBANKNSEQ4/FY25May 08, 2025

Union Bank of India

4,743words
2turns
0analyst exchanges
0executives
Key numbers — 40 extracted
₹ 22.93
Strategic Initiatives / Outcome Cyber Security Group Entities & Awards Global Business mix – ₹ 22.93 Trillion 8.9% Share among PSBs in Business* ▪ Advances: ₹ 9.83 Trillion ▪ Deposits : ₹ 13.10 Tril
8.9%
atives / Outcome Cyber Security Group Entities & Awards Global Business mix – ₹ 22.93 Trillion 8.9% Share among PSBs in Business* ▪ Advances: ₹ 9.83 Trillion ▪ Deposits : ₹ 13.10 Trillion 8,621 Br
₹ 9.83
s & Awards Global Business mix – ₹ 22.93 Trillion 8.9% Share among PSBs in Business* ▪ Advances: ₹ 9.83 Trillion ▪ Deposits : ₹ 13.10 Trillion 8,621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪
₹ 13.10
x – ₹ 22.93 Trillion 8.9% Share among PSBs in Business* ▪ Advances: ₹ 9.83 Trillion ▪ Deposits : ₹ 13.10 Trillion 8,621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪ Semi-urban (29%) ▪ Urban (20%
30%
₹ 9.83 Trillion ▪ Deposits : ₹ 13.10 Trillion 8,621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪ Semi-urban (29%) ▪ Urban (20%) ▪ Metro (21%) ▪ Overseas Branches in Dubai & Sydney ▪ ▪ B
29%
eposits : ₹ 13.10 Trillion 8,621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪ Semi-urban (29%) ▪ Urban (20%) ▪ Metro (21%) ▪ Overseas Branches in Dubai & Sydney ▪ ▪ Banking subsidiary in
20%
10 Trillion 8,621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪ Semi-urban (29%) ▪ Urban (20%) ▪ Metro (21%) ▪ Overseas Branches in Dubai & Sydney ▪ ▪ Banking subsidiary in London, United
21%
621 Branches & 8,910 ATMs Branches Share ▪ Rural (30%) ▪ Semi-urban (29%) ▪ Urban (20%) ▪ Metro (21%) ▪ Overseas Branches in Dubai & Sydney ▪ ▪ Banking subsidiary in London, United Kingdom JV i
13 %
th (YoY) Deposits Growth (YoY) NIM % GNPA % Slippages Recovery Mar-25 (12M) (Guidance) 11 – 13 % 9 - 11 % 2.8 - 3.0 % < 4.00 % Mar-25 (12M) (Actual) 8.62% 7.22% 2.91% 3.60% ~ ₹ 11,500 C
11 %
Deposits Growth (YoY) NIM % GNPA % Slippages Recovery Mar-25 (12M) (Guidance) 11 – 13 % 9 - 11 % 2.8 - 3.0 % < 4.00 % Mar-25 (12M) (Actual) 8.62% 7.22% 2.91% 3.60% ~ ₹ 11,500 Cr ₹ 12,07
3.0 %
wth (YoY) NIM % GNPA % Slippages Recovery Mar-25 (12M) (Guidance) 11 – 13 % 9 - 11 % 2.8 - 3.0 % < 4.00 % Mar-25 (12M) (Actual) 8.62% 7.22% 2.91% 3.60% ~ ₹ 11,500 Cr ₹ 12,073 Cr ~ ₹ 16,
4.00 %
NIM % GNPA % Slippages Recovery Mar-25 (12M) (Guidance) 11 – 13 % 9 - 11 % 2.8 - 3.0 % < 4.00 % Mar-25 (12M) (Actual) 8.62% 7.22% 2.91% 3.60% ~ ₹ 11,500 Cr ₹ 12,073 Cr ~ ₹ 16,000 Cr ₹
Risks & concerns — 2 flagged
Committed to usher in prosperity & plenty by care concern to the financial needs of cross section of rural populace in Guntur, Bapatla, Palnadu, EastGodavari, Kakinada, Dr.
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These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion in business, the impact of any acquisitions, the adequacy of our allowance for credit losses, technological implementation and changes, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks as well as other risks.
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Speaking time
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2
Opening remarks
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▪ CBDC: Integration with HRMS for direct credit of staff benefits ▪ CBDC: Integration with HRMS for direct credit of staff benefits to CBDC Wallet to CBDC Wallet ▪ Internet Banking: Beneficiary name lookup facility for NEFT / ▪ Internet Banking: Beneficiary name lookup facility for NEFT / RTGS transaction RTGS transaction 21 Overview Guidance & Q4 Highlights Business Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Strategic Initiatives / Outcome Cyber Security Group Entities & Awards Outcome of Various Digital Initiatives 31% 36 lac+ 2.0x YoY growth in Fixed Deposits amount sourced digitally Gold Loan Accounts sanctioned digitally YoY growth in Fresh KCC accounts sanctioned digitally 99% 88% 0.38 0.36 0.29 0.29 ~2.2x MSME Renewal for Rs. <10 lacs through STP Retail accounts reviewed digitally YoY growth in loan accounts renewed digitally ~1.7x ~1.4x ~1.9x YoY growth in LAD Accounts opened digitally YoY growth in amount sanctioned under Shishu Mudra STP YoY growth
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