Union Bank of India — PPTs, 19-07-2025: Investor Presentation

Here is the financial summary:

**1. Financial Highlights:**

Net Profit for the quarter stood at ₹ 4,116 Cr, marking an 11.87% YoY increase. Global Business Mix reached ₹ 22,14,000 Cr, with Advances at ₹ 9,74,000 Cr (+6.83% YoY) and Deposits at ₹ 12,40,000 Cr (+3.63% YoY). RAM advances grew 10.34% YoY, led by Retail (+25.63%) and MSME (+17.65%). Asset quality improved significantly, with GNPA at 3.52% and NNPA at 0.62%. Capital Adequacy Ratio (CRAR) strengthened to 18.30%.

**2. Strategic Initiatives & Growth Drivers:**

The bank launched new PAN India digital lending journeys for Personal and Vehicle Loans, alongside NPS. UPI functionalities were enhanced with increased UPI Lite limits and expanded UPI Global facility. ESG focus continued with significant credit to Renewable Energy and Electric Vehicle sectors. A ₹ 6,000 Cr capital raising plan has been approved by the board.

**3. Business Developments:**

Corporate Business Centres contributed ₹ 281.51 Cr to Net Interest Income and added 330 new transaction banking clients. Digital initiatives yielded robust results, including 4.59 lakh new Digital CASA accounts and high growth in digital loan sanctions and fixed deposits.

**4. Market Position & Competitive Advantage:**

The bank maintained its position as the 5th largest PSB, holding a 9.1% share in the business mix. Strong asset quality improvement and robust capital provide a competitive edge. Ongoing digitalization efforts are enhancing customer reach and operational efficiency, supported by accolades in cybersecurity and EASE reforms.

**5. Investor Implications:**

The consistent improvement in asset quality and strong capital base signal financial stability. Robust growth in Retail and MSME segments offers positive growth potential. Digitalization efforts are likely to drive future earnings, though agricultural loan decline is a point to monitor for sustained sectoral growth.