Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Debt Investor Presentation (August 2026)
21 slides from Union Bank Of India's debt investor presentation, Aug 21, 2026
Slide 1: Exchange filing cover letter: Investor/Analyst Meet - Debt Investor Roadshow
संदभग Ref.:नि.से.नव.ISD/173/2026-27 नदिां क Date : 21.08.2026 बीएसई निनमटे ि BSE Ltd. िेशिि टॉक एक्स्चेंज ऑफ इं निया निनमटे ि बीएसई निस्टं ग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोि Scrip Code - 532 477 निप्स NEAPS स्िप कोि Scrip Symbol-UNIONBANK-EQ नसक्योररटी Security
Slide 2: Business First, Compliance Always - Investor Presentation
Business First, Compliance Always Investor Presentation
Slide 3: Disclaimer
Disclaimer NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW. This presentation and the accompanying slides (the “presentation”) cont
Slide 4: Offering Summary
Offering Summary Issuer ▪ Union Bank of India, acting through its Dubai International Financial Centre (“DIFC”) Branch Issue Type ▪ Unsecured Notes Documentation ▪ Standalone offering under Regulation S Currency ▪ U.S. Dollars Issue Size ▪ US$ Benchmark Issuer Ratings ▪ BBB / Stable by S&P and BBB-
Slide 5: Bank Overview Key Highlights (Jun-26)
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Bank Overview Key Highlights (Jun-26) • Established in 1919, Union Bank of India (“Union Bank”) is India’s 5th largest public sector bank, with 8,700 global branches, t
Slide 6: Pan India Presence Branch Network
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Pan India Presence Branch Network Branches Share (%) Metro 8,698 20% Rural Northern Total Branches 30% 1,045 Branches Central 1,756 Branches Urban 8,758 20% Semi-urban
Slide 7: Our Value Creation Model
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Our Value Creation Model Our Capitals Business Activities Our Outcomes Sustainable Value Creation Financial Capital Sustainable Activities Financial Sustainable Shareho
Slide 8: Board of Directors
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Board of Directors Asheesh Pandey – Managing Director and CEO Mr. Pandey holds a degree in Mechanical Engineering, a postgraduate qualification in Management with spe
Slide 9: Sustained Growth in Earnings with Expanding Profitability and Returns
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Sustained Growth in Earnings with Expanding Profitability and Returns Net Interest Income Operating Profit Net Profit ($ mn) ($ mn) ($ mn) 3,284 3,931 2,980 3,023 3,863
Slide 10: Strong Asset Quality Underpinned by Lower NPAs and High Provision Coverage
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Strong Asset Quality Underpinned by Lower NPAs and High Provision Coverage GNPA NNPA ($ mn) ($ mn) 950 4,553 3,734 631 3,212 3,073 535 530 FY24 FY25 FY26 Q1 FY27 FY24 F
Slide 11: Diversified Advances Portfolio with a Strategic Focus on RAM Segments
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Diversified Advances Portfolio with a Strategic Focus on RAM Segments Total Advances Total Advances Mix RAM Advances ($ mn) 113,943 115,815 Others 1.0% Retail 95,590 10
Slide 12: Large Deposit Base with a Strategic Focus on CASA Mobilisation
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Large Deposit Base with a Strategic Focus on CASA Mobilisation to Reduce Cost of Funds ($ mn) Liquidity Position Particulars Mar-24 Mar-25 Mar-26 Jun-26 Particulars As
Slide 13: Sustained Reduction in NPAs Supported by Focused Recovery and Lower Slippages
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Sustained Reduction in NPAs Supported by Focused Recovery and Lower Slippages Parameter ($ mn) FY24 FY25 FY26 Q4 FY26 Q1 FY27 Gross NPA - Opening 6,443 4,553 3,734 3,28
Slide 14: Strong Capital Buffers and Investment-Grade Ratings Support Resilience
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Strong Capital Buffers and Investment-Grade Ratings Support Resilience and Funding Flexibility Rating / Outlook by Rating Agencies Capital Adequacy Domestic 18.02% 18.1
Slide 15: Strong ESG Profile Supported by Inclusive Banking, Digital Access and Responsible Governance
Union Bank Key Credit Asset Quality & Financial Appendix: Financial Overview Highlights Capital Adequacy Inclusion & ESG Statements Strong ESG Profile Supported by Inclusive Banking, Digital Access and Responsible Governance Environmental Social Governance Board Approved ESG Policy covering ESG Ri
Slide 16: Union Bank Overview Key Credit
Union Bank Key Credit Asset Quality & Financial Appendix: Financial Overview Highlights Capital Adequacy Inclusion & ESG Statements Source: Company Filings, Offering Circular. 15
Slide 17: Appendix: Financial Statements
Appendix: Financial Statements
Slide 18: Standalone Income Statement
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Standalone Income Statement ($ mn) FY24 FY25 FY26 Q1FY26 Q1FY27 Interest earned 10,540 11,188 11,197 2,844 2,874 Growth % 24% 6% 0% 1% Interest/Discount on advances/bil
Slide 19: Standalone Balance Sheet
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Standalone Balance Sheet ($ mn) FY24 FY25 FY26 Q1FY26 Q1FY27 Capital and Liabilities Capital 806 806 806 806 806 Reserves and Surplus 9,437 11,128 12,776 11,563 13,386
Slide 20: Consolidated Income Statement
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Consolidated Income Statement ($ mn) FY24 FY25 FY26 Q1FY26 Q1FY27 Interest earned 10,604 11,261 11,282 2,863 2,897 Growth % 24% 6% 0% 1% Interest/Discount on advances/b
Slide 21: Consolidated Balance Sheet
Union Bank Key Credit Asset Quality & Financial Inclusion Appendix: Financial Overview Highlights Capital Adequacy & ESG Statements Consolidated Balance Sheet ($ mn) FY24 FY25 FY26 Q1FY26 Q1FY27 Capital and Liabilities Capital 806 806 806 806 806 Preference Share Capital Issued by Subsidiary Company
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