Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q1 FY26 Earnings Presentation
29 slides from Union Bank Of India's earnings presentation, Jul 19, 2025
Slide 1: Exchange filing cover letter: Presentation on Financial Results Q1 FY26
सं दर्भ Ref.:नि.से.नि.ISD/137/2025-26 नदि ंक Date : July 19, 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 Secur
Slide 2: Investor Presentation Financial Results Q1FY26
Investor Presentation Financial Results Q1FY26 1
Slide 3: Global Business mix – ₹ 22.14 Trillion
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Global Business mix – ₹ 22.14 Trillion 9.1% Share among PSBs in Business* Advances: ₹ 9.74 Trillion Deposits : ₹ 12.40 Trillio
Slide 4: Operating Performance (Jun-25 Q)
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Operating Performance (Jun-25 Q) Deposits Advances RAM Capital Asset Quality CRAR 18.30 % GNPA 3.52% 3.63% YoY 6.83% YoY 10.34% Yo
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 9514 7785 7700 9437 9412 9240
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 7.34 ₹ 6,264 Crore 60104 ₹ 25,793 Crore Reduction 6.38 Reduction since
Slide 7: Robust & diversified Credit Growth
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Robust & diversified Credit Growth ₹ in crore Particulars Jun-24 Mar-25 Jun-25 YoY (%) QoQ (%) Retail 1,82,316 2,16,777 2,29,040 2
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 ~₹ 2.29 lakh crores ~₹ 1.72 lakh crores ~₹ 1.44 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 Jun-24 Jun-25 (>25 Cr) . ₹ In Crore % Sha
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 Jun-24 Mar-25 Jun-25 Particulars Partic
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 Composition of Domestic Investments Domestic 3,46,202 3,56,954 3,42,574 Investments Category Jun-2
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 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Parameter Y-o-Y% Q-o-Q% (3M) (3M) (3M) (3M) (3M) Interest In
Slide 13: Provisions
Asset Strategic Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Provisions Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Parameter (3M) (3M) (3M) (3M) (3M) NPAs 1,651 2,504 1,477 1,676 1,153 Pro
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 8.72 8.70 8.78 8.72 5.56 5.56 5.53 8.50 5.36 6.88 6.89 6.90 6.83 6.59 0.38 0.29 0.36 0.29 Jun-24(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) 48.91 49.19 26.12 24.73 24.12 7.09 7.12 21.57 45.14 19.28
Slide 16: Movement of NPAs
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Movement of NPAs Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Parameter (3M) (3M) (3M) (3M) (3M) Gross NPA - Opening 43,098 41,42
Slide 17: Sectoral Asset Quality
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome ₹ in crore Sectoral Asset Quality Slippages During Outstanding NPA as on Sectoral NPA (%) Segment Jun-24 Sep-24 Dec-24 Mar-25 Jun-
Slide 18: Capital Adequacy, Ratings and Capital Plan
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Capital Adequacy Rating / Outlook by Rating Agencies Domestic in % Rating Agency AT-1 Tier-II 17.02 18.02 18.30 CRISIL AA+/Stable
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 9,67,195 1,428 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 35 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 Q1 FY 2025-26 Digital Initiatives Digital Lending Journeys Digital Personal Loan (PAN India) ₹ 32,800 + Cr 5
Slide 22: Key Initiatives and Awards & Recognition
Strategic Asset Quality & Financial Group Entities Overview Highlights Business Financials Initiatives / Cyber Security Capital Adequacy Inclusion & ESG & Awards Outcome Key Initiatives Awards & Recognition Infosys Finacle Innovation Awards 2025 Digital Journeys UPI (Feature Enhancement) PAN India L
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 31% 50 Lac+ ~1.7x Cumulative YoY growth in Fixed Deposits amount sourced Gold Loan Accounts
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 551 543 558 566 307 312 301 280
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 Corporate Groups Contributed
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 Governance Cyber Security Achievements & 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 International Business EASE 7.0 Ranking among PSBs Conferences in May 2025 Excellence i
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