Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q2 FY2026 Earnings Presentation
29 slides from Union Bank Of India's earnings presentation, Oct 30, 2025
Slide 1: Exchange filing cover letter: Presentation on Financial Results
संदर्भ Ref.:नि.से.नि.ISD/260/2025-26 नदि ंक Date : October 30, 2025 बीएसई निनिटे ड BSE Ltd. िेशिि टॉक एक्स्चेंज ऑफ इं नडय निनिटे ड बीएसई निस्टं ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 निप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ नसक्योररटी Sec
Slide 2: Investor Presentation
Investor Presentation —T = Rajbhasha Award fi I = through a Self-Driven i101 = ©) @unienbankofindia — ® @UnionBanktweets () unionbankinsta @UnionBankofindiaUtube €H) @unionbankofindia —§ EY @unionbankinsta
Slide 3: Global Business mix – ₹22.10 Trillion
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 22.10 Trillion 8.7% Share among PSBs in Business* Advances: ₹ 9.75 Trillion Deposits : ₹ 12.35 Trillio
Slide 4: Operating Performance (Sep-25 Q)
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Operating Performance (Sep-25 Q) Deposits Advances RAM Capital Asset Quality CRAR 17.07% GNPA 3.29% 1.90% YoY 4.99% YoY 8.14% YoY
Slide 5: Profitability
Strategic Asset Quality & Financial Cyber Security Group Entities Overview Highlights Business Financials Initiatives / Capital Adequacy Inclusion & ESG & Awards Outcome Profitability Operating Profit ₹ in crore Net Profit ₹ in crore Net Interest Income ₹ in crore 8113 7785 7492 7700 7221 7278 4720
Slide 6: Asset Quality
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Asset Quality GNPA ₹ in crore NNPA GNPA & NNPA% ₹ in crore 6.38 ₹ 21,927 Crore Reduction ₹ 5,212 Crore Reduction 54012 since Sep-2
Slide 7: Diversified Credit Portfolio
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Diversified Credit Portfolio ₹ in crore Particulars Sep-24 Mar-25 Jun-25 Sep-25 YoY (%) QoQ (%) Retail 1,92,375 2,16,777 2,29,040
Slide 8: Credit Growth - RAM
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~₹ 2.39 lakh crores ~₹ 1.68 lakh crores ~₹ 1.47 lakh cr
Slide 9: Credit to Industries
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans S. No. Sectors Sep-24 Sep-25 (>25 Cr) ₹ In Crore % Shar
Slide 10: Deposit Growth
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Deposit Growth ₹ in crore 2Y - CAGR Liquidity Position Y-o-Y Q-o-Q As on As on Particulars Sep-24 Mar-25 Jun-25 Sep-25 Particulars
Slide 11: Investment Portfolio
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Investment Portfolio ₹ in crore ₹ in crore Domestic 3,57,175 3,56,954 3,42,574 3,47,965 Composition of Domestic Investments Invest
Slide 12: Profit & Loss Statement
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Profit & Loss Statement ₹ in crore Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Sep-25 Parameter Y-o-Y% Q-o-Q% Y-o-Y% (3M) (3M) (3M)
Slide 13: Provisions
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Provisions ₹ in crore Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Sep-25 Parameter (3M) (3M) (3M) (3M) (3M) (6M) (6M) NPAs 2,504 1,4
Slide 14: Key Ratios
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios CoD% YoA% YoI% 5.61 8.70 8.72 8.50 5.56 5.53 5.48 8.34 6.89 6.83 6.86 6.76 Sep-24(3M) Mar-25(3M) Jun-25(3M) Sep-25(3M)
Slide 15: Key Ratios
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Key Ratios Cost to Income% Earning per Share (₹) Price to Earning (P/E) 50.65 48.91 49.19 26.12 8 7.12 24.73 21.57 22.27 7 6.22 6
Slide 16: Movement of NPAs
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Movement of NPAs ₹ in crore Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Sep-25 Parameter (3M) (3M) (3M) (3M) (3M) (6M) (6M) Gross NP
Slide 17: Sectoral Asset Quality
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Sectoral Asset Quality ₹ in crore Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Sep-24 Dec-24 Mar-25 Jun-25 Sep-
Slide 18: Rating / Outlook by Rating Agencies and Capital Adequacy
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Rating / Outlook by Rating Agencies Capital Adequacy Domestic in % Rating Agency AT-1 Tier-II 17.13 18.02 18.30 17.07 CRISIL AA+/S
Slide 19: Inclusive Growth
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Inclusive Growth Government Schemes Amount Sanctioned Scheme No. of Accounts (₹ in crore) PMSVANidhi 9,76,914 1,456 PM Vishwakarma
Slide 20: ESG: Banking for Sustainable Development
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome ESG: Banking for Sustainable Development Environmental Social Governance 0.38 Board Approved ESG Risk Framework 37 RSETI Centres,
Slide 21: Digital Initiatives
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Digital Business in Q2 FY 2025-26 Digital Initiatives Digital Lending Journeys ₹ 24,600 + Cr 8.95+ lakhs New revamped Mobile Ban
Slide 22: Transformation to next-gen Applications
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Transformation to next-gen Applications Vyom 2.0 e₹ CBDC (Digital e₹) Revamped Vyom 2.0 Key Initiatives New journeys & redesigned
Slide 23: Outcome of Various Digital Initiatives
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Outcome of Various Digital Initiatives 24% 62 Lac+ ~1.41x Cumulative YoY growth in Fixed Deposits amount sourced Gold Loan Account
Slide 24: Digital Footprints
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Digital Footprints (No. in Lakhs) Mobile Banking Users Net Banking Users (Retail) Debit Card Users 312 318 307 90 562 558 566 571
Slide 25: Corporate Business Centre
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Corporate 360 Degree Solution Corporate Major Achievements Business Centre (CBC) Acquisition of New Contributed NII of ₹ 557.14
Slide 26: Cyber Security Governance, Achievements & Recent Developments
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Cyber Security Governance, Achievements & Recent Developments Cyber Security Achievements & Cyber Security Governance Recent Devel
Slide 27: Subsidiaries & Joint Ventures
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Subsidiaries Union Bank of India (UK) Ltd. 100.00% Geog
Slide 28: Awards and Accolades
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Awards and Accolades Awards presented by PeopleTech Summit & EASE 8.0 Ranking among PSBs Awards by International Business Conferen
Slide 29: 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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