Union Bank of India532477Banking
Union Bank of India management discussed deposit growth, CD ratio, liquidity and treasury income trends in an earnings interview
By ScoutQuest · · 1 min read
- CD ratio current
- 83-84 percent
- CD ratio earlier
- 74-75 percent
- Deposit growth
- 7 percent
- Credit growth
- 19 percent
- CASA and RTD growth amount
- 1.11 lakh crore rupees
Heard on business television between 10:17:05 - 10:20:05 IST.
- CD ratio moved from 74-75% range to 83-84% domestically.
- CASA and retail term deposit (RTD) growth together rose about 11.1%, roughly 1.11 lakh crore, with growth rate moving from 2.5-2.6% to 7%.
- Bank raised about 30,000 crore via borrowing side including FCNR MTN route (600 million via Dubai branch out of 2.25 billion total FCNR) and a foreign currency bond issued in August.
- LCR stood at 120% on average against a 100% benchmark, management said liquidity position remains comfortable.
- Management expects combined deposit and borrowing growth to cross 10% going forward.
- Treasury income fell about 45% YoY, now in 650-700 crore range per quarter versus prior 1450 crore range; a 25 bps bond yield rise expected to have limited further impact as treasury book has been shrunk to manage liquidity prudently.
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