Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q4 FY2026 Earnings Presentation
31 slides from Union Bank Of India's earnings presentation, Apr 23, 2026
Slide 1: Investor Presentation – Q4 FY2026
Years of Legacy Business First, Compliance Always Investor Presentation – Q4 FY2026 23.04.2026 Please follow us on: Followers: 40,29,339 6,50,106 2,23,064 3,59,000 3,06,247 51,434
Slide 2: Pan India Presence at a Glance
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Branch Network NORTH EASTERN Shareholding (%) NORTHERN CENTRAL 130 Branches 1,045 Branches 1,
Slide 3: Operating Performance (Mar-26 Q)
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Operating Performance (Mar-26 Q) Deposits Advances RAM Capital Asset Quality GNPA 2.82% CRAR
Slide 4: Profitability
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ in cror
Slide 5: Asset Quality
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Asset Quality GNPA ₹ in crore NNPA GNPA% & NNPA% ₹ in crore 43098 ₹ 3,923 Crore Reduction 4.7
Slide 6: Diversified Credit Portfolio
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Diversified Credit Portfolio ₹ in crore Particulars Mar-25 Sep-25 Dec-25 Mar-26 YoY (%) QoQ (
Slide 7: Credit Growth - RAM
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 2.53 lakh crore
Slide 8: Credit to Industries
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans % (>25 Cr) S. No.
Slide 9: Deposit Growth
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Deposit Growth ₹ in crore 2Y - CAGR Liquidity Position Y-o-Y Q-o-Q As on As on Particulars Ma
Slide 10: Investment Portfolio
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Investment Portfolio ₹ in crore Domestic ₹ in crore 3,56,954 3,42,574 3,47,965 3,33,067 3,31,
Slide 11: Profit & Loss Statement
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Profit & Loss Statement ₹ in crore Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Mar-26 Parameter
Slide 12: Provisions
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Provisions ₹ in crore Credit Cost (%) Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Mar-26 Parame
Slide 13: Key Ratios
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Key Ratios CoD (%) YoA (%) YoI (%) 8.72 5.61 5.53 8.50 6.86 5.48 6.83 8.34 8.27 6.81 5.31 5.2
Slide 14: Key Ratios
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Key Ratios Cost to Income (%) Earnings per Share (₹) Price to Earning (P/E) 50.65 26.29 27.85
Slide 15: Movement of NPAs
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Movement of NPAs ₹ in crore Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Mar-26 Parameter (3M) (
Slide 16: Sectoral Asset Quality
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Sectoral Asset Quality ₹ in crore Segment Slippages During Outstanding NPA as on Sectoral NPA
Slide 17: Sectoral Asset Quality
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Sectoral Asset Quality ₹ in crore Restructuring RF 1.0 as on RF 2.0 as on Segment Mar-25 Jun-
Slide 18: Capital Adequacy
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Capital Adequacy Rating / Outlook by Rating Agencies in % 18.02 18.30 18.10 17.07 Domestic 16
Slide 19: Inclusive Growth
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Business Security & Awards Inclusive Growth Government Schemes PMSBY & PMJJBY Claim Settlement Amount During 12MFY26 No. of Sc
Slide 20: ESG: Banking for Sustainable Development
Pan India Performance Business Financials Asset Quality & Ease of Doing Cyber Group Entities ESG Presence Highlights at a Glance at a Glance Capital Adequacy Business Security & Awards ESG: Banking for Sustainable Development ESG rating of CARE 1+ received by the Bank. Sustainability Moody’s Rat
Slide 21: People Excellence
Pan India Performance Business Financials Asset Quality & Financial Project Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Muskaan Security & Awards People Excellence Age Profile Professionally Qualified HR & Staff Excellence Sports & Achievements <
Slide 22: Ease of Doing Business - Muskaan
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Ease of Doing Business Bank-wide Business Process Transformation (BPT) initiative to support
Slide 23: Customer Service Excellence
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Customer Service Excellence CRM Edge CRM Edge – End-to-End Complaint & Grievance Management I
Slide 24: Ecosystem Banking Vertical
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Ecosystem Banking Vertical 24/31
Slide 25: Technology – Outcome of Initiatives
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Technology – Outcome of Initiatives Digital First Growth Engine Digital Journeys launched in
Slide 26: Digital Footprints
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Digital Footprints (No. in Lakhs) Net Banking Users (Retail) Net Banking Users (Corporate) 5.
Slide 27: Compliance – Business First, Compliance Always
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Compliance – “Business First, Compliance Always” Unified Assurance Architecture Consolidati
Slide 28: Cyber Security Governance, Achievements & Recent Developments
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Cyber Security Governance, Achievements & Recent Developments 24*7 Security Centralised Opera
Slide 29: Subsidiaries & Joint Ventures
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union B
Slide 30: Awards
Pan India Performance Business Financials Asset Quality & Financial Ease of Doing Cyber Group Entities Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Business Security & Awards National Best Best Employer Award Best MSME Technology Excellence in Bank in Bank Award Train
Slide 31: Thank You
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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