Union Bank Of India Limited · NSE:UNIONBANK
Union Bank Of India — Q1 FY2027 Earnings Presentation
29 slides from Union Bank Of India's earnings presentation, Jul 15, 2026
Slide 1: Business First, Compliance Always Investor Presentation – Q1 FY2027
Years of Legacy Business First, Compliance Always Investor Presentation – Q1 FY2027 15.07.2026 Please follow us on: Followers: 40,08,216 6,49,507 2,21,785 3,61,000 3,20,867 56,008
Slide 2: Branch Network and Shareholding
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Branch Network NORTH EASTERN Shareholding (%) NORTHERN CENTRAL 130 Branches
Slide 3: Operating Performance (Jun-26 Q)
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Operating Performance (Jun-26 Q) Deposits Advances RAM Capital Asset Quality
Slide 4: Profitability
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ i
Slide 5: Asset Quality
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Asset Quality GNPA ₹ in crore NNPA GNPA% & NNPA% ₹ in crore Improvement of 1
Slide 6: Diversified Credit Portfolio
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Diversified Credit Portfolio ₹ in crore Particulars Jun-25 Sep-25 Dec-25 Mar
Slide 7: Credit Growth - RAM
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Credit Growth- RAM Retail Portfolio of Agri Portfolio of MSME Portfolio of ~
Slide 8: Credit to Industries
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Credit to Industries (% Share in Domestic Advances) Rating-Corporate Loans %
Slide 9: Deposit Growth
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Deposit Growth ₹ in crore 2Y - CAGR Liquidity Position Y-o-Y Q-o-Q As on As
Slide 10: Investment Portfolio
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Investment Portfolio ₹ in crore ₹ in crore Domestic 3,42,574 3,47,965 3,33,0
Slide 11: Profit & Loss Statement
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Profit & Loss Statement ₹ in crore Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Parame
Slide 12: Provisions
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Provisions ₹ in crore Credit Cost (%) Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Par
Slide 13: Key Ratios
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Key Ratios CoD (%) YoA (%) YoI (%) 5.53 8.50 5.48 6.86 8.34 5.31 8.27 5.23 6
Slide 14: Key Ratios
Pan India Financials Asset Quality & Financial Project Muskaan/ Cyber Group Entities Performance Business Capital Adequacy Inclusion & ESG Ease of Doing & Awards Presence Highlights at a Glance at a Glance Security Business Key Ratios Cost to Income (%) Earnings per Share (₹) Price to Earning (P/E)
Slide 15: Movement of NPAs
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Inclusion & ESG Ease of Doing Presence Highlights at a Glance at a Glance Security & Awards Business Movement of NPAs ₹ in crore Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Parameter (3M
Slide 16: Sectoral Asset Quality
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Inclusion & ESG Ease of Doing Presence Highlights at a Glance at a Glance Security & Awards Business Sectoral Asset Quality ₹ in crore Segment Slippages During Outstanding NPA a
Slide 17: Sectoral Asset Quality
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Inclusion & ESG Ease of Doing Presence Highlights at a Glance at a Glance Security & Awards Business Sectoral Asset Quality ₹ in crore Restructuring RF 1.0 as on RF 2.0 as on Se
Slide 18: Capital Adequacy and Rating / Outlook by Rating Agencies
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Inclusion & ESG Ease of Doing Presence Highlights at a Glance at a Glance Security & Awards Business Capital Adequacy Rating / Outlook by Rating Agencies in % 18.30 18.10 18.46
Slide 19: Inclusive Growth
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Ease of Doing Presence Highlights at a Glance at a Glance Inclusion & ESG Security & Awards Business Inclusive Growth Government Schemes PMSBY & PMJJBY Claim Settlement Amount D
Slide 20: ESG: Banking for Sustainable Development
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Capital Adequacy Ease of Doing Presence Highlights at a Glance at a Glance Inclusion & ESG Security & Awards Business ESG: Banking for Sustainable Development Environmental Social Governance Boa
Slide 21: People Excellence
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business People Excellence Total Employees – 74,281 5,900+Specialist Officers- Employ
Slide 22: Control Risk Mitigation & Efficiency Enhancement
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Control Risk Mitigation & Efficiency Enhancement Stronger Oversight & Streng
Slide 23: Customer Service Excellence
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Customer Service Excellence CRM Edge Initiatives for Customer Service Excell
Slide 24: Ecosystem Banking Vertical
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Ecosystem Banking Vertical 24/29
Slide 25: Technology – Outcome of Initiatives
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Technology – Outcome of Initiatives Digital Journeys launched in Q1 Register
Slide 26: Cyber Security Governance, Achievements & Recent Developments
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Cyber Security Governance, Achievements & Recent Developments 24*7 Security
Slide 27: Subsidiaries & Joint Ventures
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Subsidiaries & Joint Ventures Holding Name of the Entity Description (%) Sub
Slide 28: Awards
Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Best Technology The bank has Bank of the year received APY Winner of the Dig
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
Union Bank of India — Q1 FY2027 Earnings Presentation on 6ix