Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q3 FY2026 Earnings Presentation
32 slides from Union Bank Of India's earnings presentation, Jan 14, 2026
Slide 1: Investor Presentation - Q3 FY2026
Years of Legacy Investor Presentation - Q3 FY2026 14.01.2026 Please follow us on:
Slide 2: Branch Network and Shareholding
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 NORTHERN CENTRAL 128 Branches 1,045 Branches 1,745 Branches (102
Slide 3: Operating Performance (Dec-25 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 (Dec-25 Q) Deposits Advances RAM Capital Asset Quality CRAR 16.49% GNPA
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 ₹ in crore Net Profit ₹ in crore Net Interest Income ₹ 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 43262 43098 9351 ₹ 4,249 Crore Red
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 Dec-24 Mar-25 Sep-25 Dec-25 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 ~₹ 2.46 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 Rating-Corporate Loans % (>25 Cr) (% Share in Domestic Advances) 84 85 8
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 De
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 ₹ in crore Domestic 3,43,223 3,56,954 3,42,574 3,47,965 3,33,
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 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Dec-25 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 (%) Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Dec-25 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 (%) 8.78 5.61 8.72 6.90 5.56 5.53 6.86 5.48 8.50 6.83 6.81 8.3
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) 7.12 26.12 26.29
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 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Dec-25 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 Segment Slippages During Oustanding NPA as on Sectoral NPA (%) Dec-24
Slide 17: Sectoral Asset Quality: Restructuring and SMA
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 Restructuring RF 1.0 as on RF 2.0 as on Segment Dec-24 Mar-25 Jun-25 S
Slide 18: Capital Adequacy and Rating by Agencies
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 Rating / Outlook by Rating Agencies Capital Adequacy in % Domestic 18.02 18.30 16.72 17.07 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 & ESG Business Security & Awards Inclusive Growth Government Schemes PMSBY & PMJJBY Claim Settlement Amount During 9MFY26 No.
Slide 20: ESG: Banking for Sustainable Development
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 ESG: Banking for Sustainable Development Environmental Social Governance 0.38 Board Approved
Slide 21: People
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 People Age Profile Professionally Qualified Sports & Achievements HR & Staff Excellence <30 6
Slide 22: People - Strategic Training & Leadership
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 People -Strategic Training & Leadership Strategic Domain Leadership & Diversity, Agility & Pa
Slide 23: Project Muskan: Process Improvement across Bank
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 Process – Improvement across Bank Project Muskan A Business Process Transformation to facil
Slide 24: Technology & its Various Dimensions
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 & its Various Dimensions Digital Business Platform Multiple channels Assisted Port
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 Business in Q3 FY 2025-26 Digital Lending Journey
Slide 26: Digital Business 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 Creating a Digital-First Growth Engine A strategic initiative to institutionalise digital acq
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” Union Compliance Package: Union Compliance
Slide 28: 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) De
Slide 29: 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 30: 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 31: Awards and Recognitions
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 APEX India Training First Position in Highest Excellence Award Number of Credit By APEX India
Slide 32: 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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