Union Bank of India Q2 FY27 Investor Presentation

Investor Presentation – Q2 FY2027: Business First, Compliance Always

Content

Cover slide with the Union Bank of India logo ('A Government of India Undertaking'), a large '107 Years of Legacy' graphic, the tagline 'Business First, Compliance Always' and the date 19.10.2026. A footer strip lists the bank's social media handles and follower counts, for example 42,02,679 on Facebook.

Layout Structure

Rounded white card set on a dark blue-and-red glowing background. The centred '107' numeral graphic sits above the stacked title text, with brand app logos (Project Muskaan, Union Connect, Union Ease, Union eBiz) in the corners and a gradient social-follower bar along the bottom.

Key Visual Elements

• •Oversized '107' numeral with circuit-board texture and a pie-segment emblem
• •Red and blue two-tone title typography
• •Brand sub-logos in the four corners
• •Gradient social-media follower strip

Pan India Presence: Branch Network and Shareholding

Content

8,713 branches, 8,815 ATMs and 28,654 BC points across six regions (Southern has the most with 3,521 branches), served by 74,106 employees. The branch mix is 30% rural, 30% semi-urban, 20% urban and 20% metro; 22 new branches opened in Q2 FY27. The Government of India holds 74.76%, FII holding rose to 9.40% and DII to 11.13% at Sep-26. Centralized processing includes 11 LCBs & 38 MCBs, 117 Union MSME First branches and 1,670 gold loan points.

Layout Structure

Left half shows a colour-coded India map with regional call-outs and summary tables underneath. The right half holds two donut charts comparing Jun-26 and Sep-26 shareholding, above an icon list of centralized processing centres.

Key Visual Elements

• •Regionally colour-coded India map
• •Twin donut charts for shareholding
• •Blue-header KPI tables for branches and employees
• •Line-icon list for processing centres

Business Snapshot

Content

Global business reached ₹24,75,330 crore (+12.01% YoY): deposits of ₹13,19,455 crore (+6.87%) and advances of ₹11,55,876 crore (+18.53%). RAM advances grew 14.65% to ₹6,35,527 crore, MSME 22.39% and overseas advances 52.19%. CASA was ₹4,60,728 crore with a domestic CASA ratio of 34.93% (+237 bps YoY); the global CD ratio was 88.13%.

Layout Structure

Full-width 11-row data table with a blue header. It compares Sep-25, Jun-26 and Sep-26 balances alongside absolute and percentage YoY and QoQ growth columns, with green and red arrows marking direction.

Key Visual Elements

• •Dense blue-header financial table
• •Green up and red down growth arrows
• •Hierarchical row numbering (1, 1.1, 1.2...)
• •Highlighted parent-row number cells

Operating Performance (Sep-26 Quarter) – Growth, Profit and Capital

Content

Gross deposits grew 6.87% YoY and gross advances 18.53%. CRAR was 17.94% and CET-1 16.05%. Quarterly operating profit was ₹8,108 crore (+18.99%), net profit ₹5,537 crore (+30.31%), NII ₹10,583 crore (+20.09%) and credit cost 0.21%. For H1 FY27, net profit was ₹10,870 crore against ₹8,365 crore a year earlier, and NII ₹20,620 crore against ₹17,925 crore.

Layout Structure

Six-tile KPI grid in two rows (Deposits, Advances, Capital, Profit, Net Interest Income, Efficiency). Each tile has a coloured header bar, an icon, headline figures with a direction arrow, and Sep-26(6M) vs Sep-25(6M) comparison pills below.

Key Visual Elements

• •Alternating blue and purple tile headers
• •Large green and red trend arrows
• •Red-to-blue gradient period pills
• •Outlined half-year comparison boxes

Operating Performance (Sep-26 Quarter) – Margins, Asset Quality and Returns

Content

NIM was 2.86% (+19 bps YoY), or 3.03% adjusted for tax refund. GNPA fell 87 bps to 2.42%, NNPA was 0.42% and PCR 95.20%. RoA was 1.38% (+22 bps), core RoA 1.03%, RoE 17.21% (+213 bps), RoRWA 2.78%, and book value per share rose 14.16% to ₹168.61. H1 RoE was 16.89% against 14.84% a year earlier.

Layout Structure

Same six-tile grid as the previous slide (NIM, adjusted NIM, Asset Quality, RoA, RoE, RoRWA), with headline figures and two-period comparison pills under each tile.

Key Visual Elements

• •Rupee-exchange and target icons
• •Headline percentage figures with bps deltas
• •Gradient half-year pills
• •Dotted column dividers

Profitability

Content

Nine-quarter trend lines from Sep-24 to Sep-26 for operating profit (to ₹8,108 crore), net profit (from ₹4,720 crore to ₹5,537 crore), NII (to ₹10,583 crore), RoA/RoRWA, RoE (17.21%) and EPS (₹29.01). Annual chips show net profit of ₹18,697 crore for FY-26 and ₹10,870 crore for H1FY27, and EPS of 28.48 for H1FY27.

Layout Structure

2×3 grid of dashed-border chart panels. Each panel has a tab-style title and a line chart whose Sep-24, Sep-25 and Sep-26 values are highlighted in green bubbles, with a row of five FY/H1 summary chips beneath.

Key Visual Elements

• •Line charts with green bubble call-outs
• •Blue and purple FY summary chips
• •Dashed panel borders
• •Multi-series RoA/Core RoA/RoRWA chart

Asset Quality

Content

GNPA fell from ₹40,499 crore (Sep-24) to ₹27,916 crore, a ₹12,583 crore reduction, and NNPA from ₹8,759 crore to ₹4,768 crore. GNPA% improved from 4.36% to 2.42% and NNPA% from 0.98% to 0.42%. PCR rose to 95.20%, credit cost fell to 0.21% and the slippage ratio to 0.72%.

Layout Structure

2×3 grid of line-chart panels with annotated improvement notes (in bps since Sep-24 and Sep-25) in the corners, and FY/H1 chips under the bottom row.

Key Visual Elements

• •Declining NPA trend lines
• •Pink improvement annotations
• •Dual-line GNPA%/NNPA% chart
• •Green bubble highlights

Diversified Credit Portfolio – Consistent & Sustained Growth

Content

The credit/deposit ratio rose to 88.13% globally and 84.34% domestically. The two-year CAGR of global advances increased from 7.29% to 11.55%, and of RAM from 8.88% to 10.01%. RAM makes up 55% of the global mix and 57% of the domestic mix. Retail bureau scores show 99.8% of borrowers at 700 or above.

Layout Structure

Left column has two solid colour blocks (a blue CD-ratio card and a purple 2Y-CAGR card) with white value boxes. The centre stacks two RAM vs LC & Others line charts, and the right shows a four-line retail bureau score chart with a bracket call-out.

Key Visual Elements

• •Solid blue and magenta stat cards
• •Two-series mix line charts
• •Bracket annotation showing 99.8%
• •Purple subtitle 'Consistent & Sustained Growth'

Credit Growth – RAM (Retail, Agriculture, MSME)

Content

At Sep-26 the retail portfolio was ~₹2.65 lakh crore (23.99% of domestic advances), agriculture ~₹1.90 lakh crore (17.17%) and MSME ~₹1.80 lakh crore (16.31%). Home loans are 43.07% of retail at ₹1,14,276 crore, farm credit is 79.36% of agriculture, and micro enterprises are 52.02% of MSME.

Layout Structure

Three equal columns, one per segment. Each has a gradient label, a large ₹ lakh crore headline and share-of-advances percentage, a five-quarter breakdown table, and a small trend line chart at the bottom.

Key Visual Elements

• •Large blue headline numerals
• •Blue and purple header tables
• •Mini trend line charts
• •Dashed green column separators

Credit to Industries

Content

Seven key sectors made up 38.50% of domestic advances (₹4,25,712 crore) at Sep-26. NBFCs & HFCs were ₹1,76,300 crore (15.94%) and infrastructure ₹1,21,269 crore (10.97%), of which power was ₹62,099 crore and roads ₹46,640 crore. Corporate loans above ₹25 crore were 94.6% BBB or better, and 99.6% of standard NBFC exposure was rated A or above.

Layout Structure

Left two-thirds holds a sector exposure table with an infrastructure sub-table below it. The right third stacks two dashed-border line charts for the corporate and NBFC rating profiles, each with a bracket percentage call-out.

Key Visual Elements

• •Two-period sector exposure table
• •Italic infrastructure sub-sector rows
• •Rating-mix line charts
• •Bracket summary percentages

Deposit Growth

Content

Global deposits were ₹13,19,455 crore (+6.87% YoY) and the domestic CASA ratio was 34.93% (+237 bps YoY). The two-year deposit CAGR was 3.07% globally and 4.36% domestically; average LCR was 120.00% and NSFR 115.58%. CASA plus retail TD grew 11.42%, savings deposits 11.89% and CASA 14.65% YoY.

Layout Structure

Top row has a five-quarter deposit table with two small side tables (2Y CAGR, liquidity). The bottom row has three line-chart panels (composition, savings, CASA), each with a bracketed YoY growth label.

Key Visual Elements

• •Blue-header deposit table
• •Liquidity ratio mini-table
• •Italic gradient chart labels
• •Bracket growth annotations

Investment Portfolio

Content

Domestic investments were ₹3,35,814 crore at Sep-26, with SLR rising to 81% of the book (₹2,71,174 crore) and non-SLR at ₹64,640 crore. HTM SLR was ₹2,25,279 crore. Modified duration was 4.94 for SLR and 2.77 for non-SLR. Composition details show bonds & debentures of ₹53,260 crore.

Layout Structure

Left side has a blue banner of quarterly totals over an SLR/non-SLR mix line chart, above a large HTM/AFS/FVTPL table with blue ₹ columns and purple M-duration columns. The right side holds a composition table.

Key Visual Elements

• •Blue total-value banner
• •Blue and purple split-header table
• •Two-line mix chart
• •Italic category labels

Profit & Loss Statement

Content

Interest income rose to ₹28,158 crore (+7.51% YoY) and NII to ₹10,583 crore (+20.09%). Fee income was ₹3,210 crore, while treasury income fell 34.60%. Operating profit was ₹8,108 crore, provisions ₹2,570 crore and net profit ₹5,537 crore (+30.31% YoY, +3.84% QoQ). For H1 FY27, net profit was ₹10,870 crore (+29.95%) and fee income grew 22.90%.

Layout Structure

Full-width P&L table with five quarterly columns, YoY and QoQ percentage columns and half-year columns. Key rows (NII, non-interest income, operating profit, net profit) are shaded light blue and bold, with green and red arrows.

Key Visual Elements

• •Shaded subtotal rows
• •Italic sub-line items
• •Direction arrows on growth columns
• •Reclassification footnote

Provisions

Content

Total provisions were ₹2,570 crore in Q2 FY27, including NPA provisions of ₹596 crore and tax of ₹1,870 crore; credit cost was 0.21%. Additional standard-asset provisions of ₹700 crore (March 2026), ₹100 crore (June 2026) and ₹200 crore (September 2026) add up to ₹1,000 crore set aside to strengthen the balance sheet. This amount is excluded from PCR and CRAR.

Layout Structure

Left provisions table with a highlighted total row. The right side stacks two line-chart panels for credit cost and quarterly provisions, the second carrying a text note.

Key Visual Elements

• •Light-blue highlighted total row
• •Credit cost line chart
• •Provision trend chart with note
• •Bold footnote

Key Ratios – Cost and Yield

Content

Quarterly global and domestic trends for cost of funds (4.34–4.39% in Sep-26), yield on funds, NIM (domestic 2.95%, global 2.86%), cost of deposits (5.01%), yield on advances (7.90–8.01%) and yield on investments. H1FY27 chips show CoF at 4.38%, CoD at 5.03% and NIM at 2.83%.

Layout Structure

2×3 grid of dual-line (global vs domestic) charts, each with legend chips and a row of five FY/H1 summary chips underneath.

Key Visual Elements

• •Global/domestic dual-line charts
• •Green bubble labels
• •Blue and purple summary chips
• •Inline legend boxes

Key Ratios – Efficiency and Valuation

Content

Cost-to-income was 46.78% in Q2 (46.07% for H1FY27). Quarterly EPS was ₹29.01 and P/E 5.88. Business per branch was ₹284.10 crore, operating profit per branch ₹3.72 crore (annualized) and book value per share ₹168.61, with price-to-book at 1.01.

Layout Structure

2×3 grid of chart panels. The top row has single-line charts with FY/H1 chips; the bottom row has paired two-series charts (per branch vs per employee, BVPS vs P/B).

Key Visual Elements

• •Single and dual line charts
• •Green bubble highlights
• •FY/H1 summary chips
• •'*Annualized' unit note

Movement of NPAs

Content

Gross NPA opened Q2 at ₹29,093 crore. Additions were ₹1,909 crore (fresh slippages ₹1,856 crore) and reductions ₹3,086 crore (cash recovery ₹1,226 crore, write-offs ₹1,544 crore), leaving a closing balance of ₹27,916 crore. Total recovery including TWO was ₹2,692 crore, the delinquency ratio 0.72% and PCR 95.20%.

Layout Structure

Single full-width roll-forward table with five quarterly columns and two half-year columns. Opening, additions, reductions and closing rows are shaded, and sub-items are italic.

Key Visual Elements

• •NPA roll-forward table
• •Alternating light-blue shaded rows
• •Italic indented sub-items
• •Large bold column headers

Sectoral Asset Quality

Content

Q2 slippages were ₹1,909 crore: retail ₹352 crore, agriculture ₹627 crore, MSME ₹803 crore and large corporates ₹127 crore. Gross sectoral NPA fell to 0.84% for retail, 6.86% for agriculture, 3.74% for MSME and 1.14% for large corporates, giving 2.42% overall.

Layout Structure

Wide three-block table (slippages, outstanding NPA, gross sectoral NPA %) over five quarters each. Segment total rows are in blue text, with sub-segment rows beneath.

Key Visual Elements

• •Three grouped column blocks
• •Blue segment headings
• •Bold total row
• •Dotted grid lines

Sectoral Asset Quality – Restructuring and SMA Position

Content

The restructured book under RF 1.0 fell to ₹3,701 crore and under RF 2.0 to ₹2,790 crore by Sep-26. SMA exposure above ₹5 crore dropped from ₹5,634 crore (Sep-25) to ₹2,282 crore, with SMA-2 at ₹1,338 crore.

Layout Structure

Two stacked full-width tables: restructuring by segment under RF 1.0 and RF 2.0, then SMA-0/1/2 outstanding over five quarters. Each has a highlighted total row.

Key Visual Elements

• •Stacked blue-header tables
• •Light-blue total rows
• •Dashed green separator
• •Grouped column headers

Capital Adequacy and Ratings

Content

CRAR was 17.94%, CET-1 16.05% and Tier II 1.12% at Sep-26. Total capital was ₹1,43,185 crore on RWA of ₹7,98,059 crore. Tier-II bonds are rated AAA/Stable by CRISIL, ICRA, India Ratings, CARE and Brickwork; international issuer ratings are S&P BBB/Stable and Fitch BBB-/Stable, and the ESG rating is CareEdge-ESG 1+. The board-approved FY27 capital plan is ₹8,000 crore.

Layout Structure

Left half has a CRAR/CET-1/Tier II line chart with CRAR chips, a capital table and total capital chips. The right half stacks rating tables (domestic, international, ESG) and a capital-plan table under gradient labels.

Key Visual Elements

• •Three-line capital chart
• •Red-to-blue gradient label pills
• •Rating agency tables
• •FY capital summary chips

Inclusive Growth (Financial Inclusion)

Content

Government scheme lending includes the Union Guaranteed Emergency Credit Line (4,39,246 accounts, ₹31,860 crore), PM Mudra in Q2 (₹6,174 crore) and PM SVANidhi (11,65,488 accounts). PMJDY accounts grew to 349 lakh with balances of ₹16,671 crore. Social security enrolments reached 392 lakh for PMSBY, 107 lakh for PMJJBY and 63 lakh for APY.

Layout Structure

Top row has a government schemes table and a PMSBY/PMJJBY claim-settlement table. Below a dashed green divider sit two line-chart panels for PMJDY accounts and social security schemes.

Key Visual Elements

• •Scheme tables with blue headers
• •Dual-line PMJDY chart
• •Three-line social security chart
• •Thick dashed green divider

Union Sudarshan – Centralized Banking Intelligence Hub

Content

Union Sudarshan is described as the bank's first centralized, fully automated banking intelligence hub. It monitors business, operations, risk, compliance, cyber security and technology 24×7, using 7 pillars and 240+ use cases. It runs on a hub-and-spoke model (hub in Mumbai with 75 staff; spokes in Mumbai, Hyderabad, Mangalore and Bengaluru with 64 staff), was developed in-house, runs 100% on-premises and has an AI-agent roadmap.

Layout Structure

Bordered definition box at the top. Below are three columns (hub-and-spoke diagram, bullet list of key highlights, bullet list of strategic benefits) and a circular Sudarshan emblem, with four dashboard screenshots along the bottom.

Key Visual Elements

• •Hub-and-spoke infographic
• •Circular radar-style emblem
• •Dashboard screenshot strip
• •Red-bordered hub/spoke staffing box

14 New Initiatives Launched in Q2 FY 2026-27

Content

Fourteen numbered initiatives grouped into four themes. Customer Experience covers Customer 360, the credit card dashboard, quick remittance and smart lock/kill switch. Seamless Digital Journeys covers STP gold loan, STP dairy loan, self-serve FD, CA opening via NeSL and Insta OD. Data & Insights covers Geo Intelligence and My-Diary. Governance & Upskilling covers office-note automation, credit proposal tracking and e-learning.

Layout Structure

Four rounded quadrant panels tinted light blue, pink, green and lavender. Each has a theme icon and subtitle, and a row of numbered circular badges over short description cards.

Key Visual Elements

• •Pastel-tinted quadrant panels
• •Numbered circle badges
• •Theme icons in coloured circles
• •Card-style initiative blocks

Technology – Outcome of Initiatives

Content

Digital business generated in Q2 FY27 included ₹740 crore+ in retail loans (+23% QoQ), ₹150 crore+ in agriculture (+79%), ₹490 crore+ in MSME loans (+53%) and ₹7,100 crore+ in deposits (+9%). Over 9,40,000 digital CASA accounts were opened, and Union Ease added 10 lakh+ new users, alongside 50,000+ CBDC users.

Layout Structure

Left column has two gradient blue-purple checklist panels of digital initiatives. The right panel is split into three gradient-banded rows (Digital Business, Liability Journeys, Channels), each with circular icons and large figures.

Key Visual Elements

• •Gradient checklist panels
• •Circular purple line icons
• •Green QoQ growth chips
• •Red-framed section borders

Ecosystem Banking Vertical – Pillars of Ecosystem Capture

Content

Three pillars (CASA acquisition, transaction banking, wealth management) run across an Institutional Business arm (government banking, anchor relationships, payment integration, new-age flows such as programmable CBDC) and a Retail Business arm (salary banking, premium savings, pension and mandates). The flow runs 'Acquire the relationship → Capture the flows → Deepen the ecosystem → Build long-term value', supported by 10 ecosystem hubs and 118 business centres.

Layout Structure

Three pillar cards across the top, with a red Institutional block and a blue Retail block below, each holding six icon cards. A red arrow-flow banner and a location footer bar sit at the bottom.

Key Visual Elements

• •Red vs blue business-arm blocks
• •Circular outline icons
• •Four-step arrow flow
• •Wide-tracked uppercase headings

Subsidiaries & Joint Ventures

Content

Union Bank's eight group entities and their Q2FY27 net profit in ₹ crore. Five are 100% subsidiaries, including Union Asset Management (AUM ₹28,029 crore, net profit 10.99) and UBI Services (13.63). The JVs are Star Union Dai-ichi Life Insurance (25.10%, net profit 15.59) and ASREC (27.30%), and the associate is Andhra Pradesh Grameena Bank (35%, net profit 601.72, the bank's share 210.60).

Layout Structure

2×4 card grid in light blue. Each card shows a large ownership percentage, entity type, name, bullet description and a small dashed net-profit table, with a red '8 GROUP ENTITIES' pill at the top right.

Key Visual Elements

• •Large ownership percentage numerals
• •Colour-coded entity types (blue, purple, orange)
• •Mini net-profit tables
• •Rounded red count pill

Awards & Accolades

Content

Six photo panels of recognitions. These include a 'Best Retail Bank of India' certificate at the Navbharat BFSI conclave (9 September 2026), an excellence award under the PMFME scheme from MoFPI (25 August 2026) and 3rd rank in EASE 9.0 Q1FY27 among 12 PSBs. Hindi captions cover the bank's Rajbhasha (official language) awards and the release of its book 'Business First, Compliance Always'.

Layout Structure

2×3 grid that pairs each event photo or chart image with a justified caption block in English or Hindi, separated by dashed green lines.

Key Visual Elements

• •Black-framed event photos
• •Bilingual Hindi/English captions
• •EASE ranking bar chart image
• •Dashed grid dividers

Awards & Accolades – 'Our Own. India's Gold.'

Content

A full-bleed banner congratulating employee Rutuja Pisal, a member of the Indian women's hockey team, on the team's gold medal at the Asian Games 'after 44 years'.

Layout Structure

Single framed hero banner filling the content area: an athlete portrait on the left and stacked bold display typography on the right, over a stadium and skyline background.

Key Visual Elements

• •Full-width celebratory banner
• •Gold metallic display type
• •Athlete portrait with medal
• •Tricolour ribbon accent

Awards & Accolades – Maiden Foreign Currency Bond Listing on NSE IX

Content

Photo of the bell-ringing ceremony at NSE IX for Union Bank's maiden foreign currency bond issue: USD 300 Mn at 5.230% maturing 28 Aug 2029, and USD 300 Mn at 5.417% maturing 28 Aug 2031, rated Fitch BBB- and S&P BBB.

Layout Structure

Single framed full-width event photograph under the tab navigation bar.

Key Visual Elements

• •Full-width event photo
• •On-screen bond issue particulars
• •Ceremonial bell and marigold garland
• •Black photo frame

Disclaimer and Thank You

Content

Forward-looking statements disclaimer, a 'Thank You' box, an investor feedback link and QR code, and the investor relations email (investor.relations@unionbankofindia.bank.in), repeated above the social-media follower strip.

Layout Structure

Bilingual logo header at the top with emblem badges, a blue-bordered disclaimer box in the middle, and paired 'Thank You' and contact boxes above the gradient follower strip.

Key Visual Elements

• •Large Hindi-English logo lockup
• •Blue-bordered disclaimer panel
• •QR code for investor feedback
• •Gradient social follower bar