Union Bank of India — PPTs, 23-04-2026: Investor Presentation

Union Bank of India delivered strong Q4 FY26 results: Net Profit rose 6.64% YoY to ₹5,316 Cr, with full-year Net Profit climbing 3.95% to ₹18,697 Cr. Global Advances grew 9.74% YoY, powered by a 12.56% surge in RAM (Retail, Agriculture, MSME) advances, reaching ₹5,98,484 Cr. Asset quality improved significantly, with Gross NPA at 2.82% and Net NPA at 0.48%.

The bank's strategy centers on digital transformation via 'Project Muskaan,' enhancing automation, customer experience, and operational efficiency. ESG commitments are strong, with a CARE 1+ rating and a ₹37,435 Cr green finance portfolio.

Recent developments include a thriving 'Digital First Growth Engine,' generating over ₹35,660 Cr in digital lending business. The Union Ease App saw 70 lakh+ user migrations, alongside new digital CASA and Term Deposit accounts.

Key metrics highlight robust performance: Q4 RoA at 1.36%, RoE at 18.04%, and EPS at ₹27.85. Capital Adequacy Ratio (CRAR) stands firm at 18.10%. The Board's approved ₹6,000 Cr capital plan for FY26 supports continued growth and strategic initiatives.