Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q2 FY2027 Earnings Presentation
31 slides from Union Bank Of India's earnings presentation, Oct 19, 2026
Slide 1: Filing cover letter to stock exchanges
संदर्भ Ref.:नि.से.वि.ISD/234/2026-27 दिन ांक Date: अक्टू बर October 19, 2026 बीएसई दिदिटे ड BSE Ltd. नेशनि टॉक एक्स्चेंज ऑफ इां दडय दिदिटे ड बीएसई दिस्टां ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 दनप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ दसक
Slide 2: Investor Presentation – Q2 FY2027
Years of Legacy Business First, Compliance Always Investor Presentation – Q2 FY2027 19.10.2026 Please follow us on: Followers: 42,02,679 6,50,747 2,26,323 4,48,000 3,40,524 61,800
Slide 3: Pan India Presence
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Branch Network NORTH EASTERN Shareholding (%) NORTHERN CENTRAL 132 Branches 1,046 Branc
Slide 4: Business Snapshot
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Business Snapshot ₹ in crore Growth Growth S. N. Particulars Sep-25 Jun-26 Sep-26 Absol
Slide 5: Operating Performance (Sep-26 Q)
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Operating Performance (Sep-26 Q) Deposits Advances Capital CRAR 17.94% Gross 6.87% YoY
Slide 6: Operating Performance (Sep-26 Q)
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Operating Performance (Sep-26 Q) NIM % NIM % (adj. tax refund) Asset Quality NIM (adj.
Slide 7: Profitability
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ i
Slide 8: Asset Quality
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Asset Quality GNPA ₹ in crore NNPA GNPA% & NNPA% ₹ in crore Improvement of 194 bps ₹12,
Slide 9: Diversified Credit Portfolio
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Diversified Credit Portfolio Consistent & Sustained Growth RAM and LC & Other Mix (%) G
Slide 10: Credit Growth - RAM
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 2.65 lakh
Slide 11: Credit to Industries
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans % (>25 Cr) S
Slide 12: Deposit Growth
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Deposit Growth ₹ in crore 2Y - CAGR Liquidity Position Y-o-Y Q-o-Q As on As on Particul
Slide 13: Investment Portfolio
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Investment Portfolio ₹ in crore ₹ in crore Domestic 3,47,965 3,33,067 3,31,682 3,33,994
Slide 14: Profit & Loss Statement
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Profit & Loss Statement ₹ in crore Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Y-o-Y% Q-o-Q% Sep
Slide 15: Provisions
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Provisions ₹ in crore Credit Cost (%) Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Parameter (3M)
Slide 16: Key Ratios
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Key Ratios CoF (%) YoF (%) NIM (%) 4.74 2.95 7.20 7.17 4.60 2.87 7.04 2.83 7.00 2.75 4.
Slide 17: Key Ratios
Pan India Financials Asset Quality & Financial New Initiatives/ Group Awards & Performance Business Capital Adequacy Inclusion Ease of Doing Accolades Presence Highlights at a Glance at a Glance Entities Business Key Ratios Cost to Income (%) Earnings per Share (₹) Price to Earning (P/E) 50.65 27.85
Slide 18: Movement of NPAs
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Capital Adequacy Inclusion Ease of Doing Presence Highlights at a Glance at a Glance Entities Accolades Business Movement of NPAs ₹ in crore Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Sep-26 Parameter
Slide 19: Sectoral Asset Quality
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Capital Adequacy Inclusion Ease of Doing Presence Highlights at a Glance at a Glance Entities Accolades Business Sectoral Asset Quality ₹ in crore Segment Slippages During Outstanding NPA as on Gross
Slide 20: Sectoral Asset Quality
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Capital Adequacy Inclusion Ease of Doing Presence Highlights at a Glance at a Glance Entities Accolades Business Sectoral Asset Quality ₹ in crore Restructuring RF 1.0 as on RF 2.0 as on Segment Sep-2
Slide 21: Capital Adequacy and Rating Agencies
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Capital Adequacy Inclusion Ease of Doing Presence Highlights at a Glance at a Glance Entities Accolades Business Capital Adequacy Rating / Outlook by Rating Agencies in % 18.10 18.46 17.94 Domestic 17
Slide 22: Inclusive Growth
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Capital Adequacy Ease of Doing Presence Highlights at a Glance at a Glance Inclusion Entities Accolades Business Inclusive Growth Government Schemes PMSBY & PMJJBY Claim Settlement Amount Q2FY26 No. o
Slide 23: Union Sudarshan
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Union Sudarshan Union Sudarshan is Union Bank of India's first centralized fully automa
Slide 24: New Initiatives Launched in Q2 FY 2026-27
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business 14 New Initiatives Launched in Q2 FY 2026-27 Customer Experience & Service Excellence S
Slide 25: Technology – Outcome of Initiatives
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Technology – Outcome of Initiatives Digital Initiatives in Q2 FY 2026-27 Digital Busine
Slide 26: Pillars of Ecosystem Capture
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Ecosystem EcosystemBanking BankingVertical Vertical Pillars of Ecosystem Capture Buildi
Slide 27: Subsidiaries & Joint Ventures
New Initiatives/ Awards & Pan India Performance Business Financials Asset Quality & Financial Group Ease of Doing Accolades Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Business Subsidiaries & Joint Ventures ₹ in crore Union Bank of India Group Structure, Holdings
Slide 28: Awards & Accolades
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Awards & Accolades दनांक 14 सतंबर, 2026 The Bank has दनांक 14 सतबर, को सडको, नवी मब ुं
Slide 29: Pan India Presence Performance
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business 28/30
Slide 30: Pan India Presence Performance
New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business 29/30
Slide 31: 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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