Union Bank of India – Investor Presentation Summary

Key Operational Highlights

  • Global Business reached ₹24,75,330 crore as of September 30, 2026.
  • Global Deposits stood at ₹13,19,455 crore, a YoY growth of 6.87% and QoQ growth of 2.81%.
  • Global Advances reached ₹11,55,876 crore, a YoY growth of 18.53% and QoQ growth of 5.44%.
  • Domestic Advances were ₹11,05,753 crore, with YoY growth of 17.35% and QoQ growth of 4.21%.
  • Retail Advances grew to ₹2,65,323 crore (YoY +11.24%, QoQ +3.38%).
  • Agriculture Advances grew to ₹1,89,810 crore (YoY +12.71%, QoQ +3.62%).
  • MSME Advances grew to ₹1,80,394 crore (YoY +22.39%, QoQ +7.21%).
  • RAM (Retail, Agriculture, MSME) Advances totaled ₹6,35,527 crore (YoY +14.65%, QoQ +4.51%).
  • Overseas Advances saw significant growth to ₹50,123 crore (YoY +52.19%, QoQ +42.38%).
  • Domestic CASA Ratio was 34.93%, an improvement of 237 bps YoY though a decrease of 17 bps QoQ.
  • Global CD Ratio improved to 88.13% from 79.67% YoY.

Key drivers of operational performance: Strong growth across all loan segments, particularly in MSME and Overseas advances.

Segment-wise Performance

  • Retail Loans: ₹2,65,323 crore
  • Agriculture Loans: ₹1,89,810 crore
  • MSME Loans: ₹1,80,394 crore
  • Corporate & Others: ₹5,20,349 crore

Explanation of significant changes in segment performance: MSME segment showed the strongest growth at 22.39% YoY, followed by Corporate & Others at 23.63% YoY. Overseas advances grew exceptionally by 52.19% YoY.

Financial Highlights

Revenue: Not Specified

  • Interest Income: ₹28,158 crore for Q2 FY27 (YoY +7.51%, QoQ +3.51%)
  • Interest Expense: ₹17,576 crore for Q2 FY27 (YoY +1.14%, QoQ +2.39%)
  • Net Interest Income: ₹10,583 crore for Q2 FY27 (YoY +20.09%, QoQ +5.43%)
  • Non-Interest Income: ₹4,651 crore for Q2 FY27 (YoY -6.90%, QoQ +1.04%)
  • Fee-based Income: ₹3,210 crore for Q2 FY27 (YoY +6.64%, QoQ -0.16%)
  • Treasury Income: ₹701 crore for Q2 FY27 (YoY -34.60%, QoQ +8.78%)
  • Recovery in Written-Off Accounts: ₹740 crore for Q2 FY27 (YoY -18.95%, QoQ -0.45%)
  • Operating Income: ₹15,234 crore for Q2 FY27 (YoY +10.33%, QoQ +4.06%)
  • Operating Expenses: ₹7,126 crore for Q2 FY27 (YoY +1.89%, QoQ +7.36%)
  • Operating Profit: ₹8,108 crore for Q2 FY27 (YoY +18.99%, QoQ +1.31%)
  • Provisions: ₹2,570 crore for Q2 FY27 (YoY +0.22%, QoQ -3.74%)
  • Net Profit: ₹5,537 crore for Q2 FY27 (YoY +30.31%, QoQ +3.84%)

EPS: Not Specified

Margins: Not Specified

YoY/QoQ comparison: All key financial metrics showed positive YoY growth except Treasury Income and Recovery in Written-Off Accounts. QoQ performance was positive across most metrics.

Drivers of financial performance: Higher Net Interest Income growth of 20.09% YoY, controlled interest expense growth of 1.14% YoY, and contained operating expense growth of 1.89% YoY.

Comparison to market estimates: Not Specified

Key Risks: Not Specified

Geographical Revenue Split

Domestic vs Export/Regional Revenue:

  • Domestic Business: ₹24,24,730 crore
  • Overseas Business: ₹50,601 crore (YoY +51.2%, QoQ +41.35%)

Regional Breakdown: Not Specified

Balance Sheet Snapshot

Net Debt/Equity: Not Specified

Reserves: Not Specified

Current Assets/Liabilities: Not Specified

Working Capital/Leverage Metrics: Not Specified

Financial Health Insights: The bank maintained strong liquidity with Average LCR at 120.00% and NSFR at 115.58% as of September 30, 2026.

Capex & Cash Flow Health

Capital Expenditure: Not Specified

Free Cash Flow: Not Specified

Operating Cash Flow: Not Specified

Net Debt Movement: Not Specified

Investment Rationale: Not Specified

Strategic & R&D Initiatives

Investments in Innovation: Not Specified

Expected impact on growth: Not Specified

Strategic Rationale: Not Specified

Industry Trends & Business Environment

Macro/Industry Trends: Not Specified

Impact on Company: Not Specified

Management Commentary & Growth Outlook

Strategic Outlook: Not Specified

FY Guidance: Not Specified

Market Share Targets: Not Specified

Risks and Opportunities: Not Specified

Asset Quality & Capital Adequacy

  • Gross NPA: ₹27,916 crore (2.42% of advances) as of September 30, 2026, improved from ₹32,085 crore (3.29%) a year ago
  • Net NPA: ₹4,768 crore (0.42% of advances) as of September 30, 2026, improved from ₹5,209 crore (0.55%) a year ago
  • Provision Coverage Ratio: 95.20% as of September 30, 2026
  • Slippage Ratio: 0.72% for Q2 FY27
  • Total Recovery (including Written-Off): ₹2,692 crore for Q2 FY27

Sectoral Asset Quality:

  • Retail Loans: Gross NPA 0.84%
  • Agriculture Loans: Gross NPA 6.86%
  • MSME Loans: Gross NPA 3.74%
  • Large Corporates & Others: Gross NPA 1.14%

Financial Inclusion

The bank reported significant participation in government schemes:

  • PMSVANidhi: 11,65,488 accounts, ₹1,897 crore sanctioned
  • PM Vishwakarma (Q2FY27): 1,804 accounts, ₹17 crore sanctioned
  • PMEGP (Q2FY27): 791 accounts, ₹99 crore sanctioned
  • Emergency Credit Line: 4,39,246 accounts, ₹31,860 crore sanctioned
  • PM Mudra Yojana (Q2FY27): 1,80,031 accounts, ₹6,174 crore sanctioned
  • PM Surya Ghar Muft Bijali Yojana (Q2FY27): 37,028 accounts, ₹698 crore sanctioned
  • PMJDY Accounts: 392 lakh accounts with balances of ₹8,433 crore

New Initiatives/Ease of Doing Business

The presentation mentioned digital initiatives including:

  • Credit Card statistics showing 11,992 comparisons for King Science
  • Lending automation tools
  • Various business process improvements

Awards & Accolades

  • Ranked 3rd in EASE 9.0 performance among all 12 Public Sector Banks
  • Received recognition at the All India Rajbhasha Sammelan for the bank's various initiatives
  • Released 15th publication "Carobaar Savper, Anupalan Nirantar"

Disclaimer: The presentation contains forward-looking statements subject to risks and uncertainties including ability to implement strategy, future NPA levels, business growth, technological changes, and market risks. The bank undertakes no obligation to update forward-looking statements.