Investor Presentation UnionBankInst a UnionBankofIndiaUt ube @ unionbankofficial @ UnionBank Tweet s
These mat erials have been prepared by Union Bank of India t oget her wit h it s subsidiaries (t he “ Bank” ), are f or inf ormat ional purposes only and do not const it ut e a prospect us or an of f er document , or f orm part of an of f er, sol icit at ion or invit at ion of any of f er t o purchase or subscribe f or any securit ies of t he Bank in any j urisdict ion, nor shoul d t hese mat erials or any part t hereof f orm t he basis of , or be relied upon in any connect ion wit h, any cont ract , commit ment or invest ment decision what soever. These mat erials have not been independent ly verif ied. No represent at ion or warrant y, expressed or implied, is made and no reliance should be placed on t he accuracy, f airness or complet eness of t he inf ormat ion present ed or cont ained in t hese mat erials. None of t he Bank or any of it s direct ors, of f icers, af f il iat es, advisers or represent at ives accept s any liabilit y what soever f or any loss howsoever arising f rom any inf ormat ion present ed or cont ained in t hese mat erials. The inf ormat ion present ed or cont ained in t hese mat erials is subj ect t o change wit hout not ice and it s accuracy is not guarant eed. These mat erials cont ain st at ement s t hat const it ut e f orward-looking or belief st at ement s. These st at ement s include descript ions regarding t he int ent , belief or current expect at ions of t he Bank or it s management and inf ormat ion current ly available wit h t hem including wit h respect t o t he consolidat ed result s of operat ions and f inancial condit ion of t he Bank. These st at ement s can be recognized by t he use of words such as “ expect s,” “ plans,” “ will ,” “ est imat es,” “ proj ect s,” “ believes,” “ int ends,” or words of similar meaning. Such f orward-looking st at ement s are not guarant ees of f ut ure perf ormance and involve risks and uncert aint ies, and act ual result s may dif f er f rom t hose in t he f orward-looking st at ement s as a result of various f act ors and assumpt ions. Neit her t he Bank nor any of it s advisors or represent at ives, on behalf of t he Bank assumes any responsibilit y or obligat ion t o updat e or revise f orward-looking st at ement s t o ref lect f ut ure event s or circumst ances. In no event shall t he Bank be responsible t o any person or ent it y f or any loss or damage, whet her direct , indirect , incident al, consequent ial or ot herwise, arising out of access or use or disseminat ion of inf ormat ion cont ained in t his present at ion, including, but not limit ed t o, loss of prof it s. You acknowledge t hat you will be solely responsible f or your own assessment of t he market and t he market posit ion of t he Bank and t hat you will conduct your own analysis and be solely responsible f or f orming your own view of t he pot ent ial f ut ure perf ormance of t he business of t he Bank. No represent at ion, warrant y, guarant ee or undert aking (express or impl ied) is made as t o, and no reliance should be placed on, t he accuracy, complet eness or correct ness of any inf ormat ion, including any proj ect ions, est imat es, t arget s and opinions, cont ained herein, and no liabil it y what soever is accept ed as t o any errors, omissions or misst at ement s cont ained herein and, accordingly, none of t he Bank, it s advisors and represent at ive and any of it s or t heir af f il iat es, of f icers, direct ors, employees or agent s, and anyone act ing on behalf of such persons accept s any responsibilit y or liabil it y what soever, in negligence or ot herwise, f or any loss or damage, direct , indirect , consequent ial or ot herwise arising direct ly or indirect ly f rom use of t his present at ion or it s cont ent s or ot herwise arising in connect ion t herewit h. This present at ion includes cert ain indust ry dat a and proj ect ions that have been obt ained f rom indust ry publicat ions and surveys. Indust ry publicat ions and surveys and f orecast s generally st at e t hat t he inf ormat ion cont ained t herein has been obt ained f rom sources believed t o be rel iable, but t here is no assurance t hat t he inf ormat ion is accurat e or complet e. Neit her t he Bank nor any of it s advisors or represent at ives have independent ly verif ied any of t he dat a f rom t hird-part y sources or ascert ained t he underlying economic assumpt ions relied upon t herein. All indust ry dat a and proj ect ions cont ained in t his present at ion are based on dat a obt ained f rom t he sources cit ed and involve signif icant element s of subj ect ive j udgment and analysis, which may or may not be correct . For t he reasons ment ioned above, you should not rely in any way on any of t he proj ect ions cont ained in t his present at ion f or any purpose. The dist ribut ion of t hese mat erials in cert ain j urisdict ions may be rest rict ed by law and persons int o whose possession t hese mat erials comes should inf orm t hemselves about and observe any such rest rict ions. THIS PRESENTATION AND INFORMATION CONTAINED HERE IS NOT INTENDED FOR PUBLICATION OR DISTRIBUTION IN, AND DOES NOT CONSTITUTE AN OFFER OF SECURITIES IN, THE UNITED STATES. NO SECURITIES OF THE BANK HAVE BEEN OR WILL BE REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED, OR WITH ANY SECURITY REGULATORY AUTHORITY OF ANY STATE OR OTHER JURISDICTION OF THE UNITED STATES AND, ACCORDINGLY, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED WITHIN THE UNITED STATES EXCEPT PURS UANT TO AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OR PURS UANT TO AN EFFECTIVE REGISTRATION UNDER THE SECURITIES ACT AND/ OR ANY APPLICABLE U.S. STATE OR LOCAL SECURITIES LAWS. By accessing t his present at ion, you accept t hat t his disclaimer and any claims arising out of t he use of t he inf ormat ion f rom t his present at ion shall be governed by t he laws of India and only t he court s in Maharasht ra, India, and no ot her court s, shall have j urisdict ion over t he same. 2
Table of Contents Key Investment Highlights #1 Growth Strategies Growth Strategies #2 Detailed Business Overview Detailed Business Overview #3 #4 Financial Statements Financial Statements 3
Key Investment Highlights Strong and Trusted Brand with Large and Growing Customer Base Diversified Asset Portfolio with Increasing Focus on Retail, Agriculture and MSME sectors Significant Low-cost Deposit Base Resulting in Strong Funding Profile Strong, Technology-enabled Operating Platform and Committed To Digital Banking Extensive Distribution Network with a focus on Alternate Delivery Channels Experienced Management Leadership 4
Union Bank – At A Glance Shareholding Pattern (Sept 2017) Overview Public, Non-Inst it ut ions • Est ablished in 1919 Union Bank has 4,295 branches & 7,574 ATMs 10.71% across 29 St at es and 5 Union Territ ories as on Sept ember 30, 2017 • Ext ensive & specialized dist ribut ion net work focused on t he needs of different business segment s DIIs • Brand value of ` . 20.72 bn in 2016-17 edition of Best Indian 17.81% Brand published by Brand Equity (The Economic Times) • The Bank’ s port folio of services spans t he ent ire spect rum of it s Govt . of India client s’ banking needs: FIIs 65.40% 6.08% Retail Banking – housing loans, ret ail t rade loans, aut omobile loans, consumer loans, educat ion loans, medical loans and ot her personal loans and deposit services, cards and ut ilit y services Corporate/Wholesale Banking - range of cust omized financial product s cat ering t o corporat e cust omers, including large, medium and small businesses Treasury Operations - management of Government securit ies, int ernat ional banking services viz. foreign exchange services, int ernat ional t rade finance and NRI services Other Banking Operations - fee-based product s and services such as cash management services, merchant banking, deposit ory services, online t rading in securit ies, clearing bank services • The Bank has a client base of over 67 million cust omers and employs more t han 38,000 people. 5
Subsidiary & JV Joint vent ure 25.1% st ake Subsidiary 100% owned 6
Table of Contents Key Investment Highlights Key Investment Highlights #1 Growth Strategies #2 Detailed Business Overview Detailed Business Overview #3 #4 Financial Statements Financial Statements 7
Macro Trends - India Government Initiatives to Opportunity for Banks Key Macro Trends support/drive trend created by trend Make in India, GST, Ease of Doing Demographic Dividend, Enhance Customer Base, Increase Business, Social & Economic Urbanization, Retail Banking and Fee Income, 1 Infrastructure, Start up India, MSME, corporate loans Growth & Employment smart cities, Rural infrastructure, Connectivity to Rural Lending, Supply Chain 2 Rural Prosperity highways, Broadband Linkage, Financing, Small Business Loan PMJDY , PMGDSA Aadhaar, e-KYC, Digilockers, Digital Digital sourcing & Delivery, Reducing 3 Digital India Life certificate, BHIM, UPI cost, Fintech PMJDY: Pradhan Mantri Jan-Dhan Yojna PMGDSA: Pradhan Mantri Gramin Digital Saksharta Abhiyan 8
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