Union Bank of India — PPTs, 15-07-2026: Investor Presentation

Union Bank of India delivered strong Q1 FY27 results! Net Profit soared 29.54% YoY to ₹5,332 Cr, with Operating Profit up 15.83% YoY to ₹8,003 Cr. Net Interest Income (NII) hit ₹10,037 Cr, a 10.14% YoY jump. The bank saw healthy overall advances growth of 12.50% YoY, with RAM (Retail, Agri, MSME) advances growing 11.56%. Asset quality significantly improved: GNPA fell 87 bps YoY to 2.65%, and NNPA dropped 15 bps YoY to 0.47%, with PCR at 95.05%. RoA reached 1.36% and RoE 17.23%.

The bank is driving growth through digital initiatives, onboarding ~1.1 million new users on its Union Ease App and generating substantial digital business across retail, MSME, and agriculture loans, plus deposits. Strategic focus areas include enhancing governance, risk management, and customer service. New branches (8 in Q1) and various digital journeys, like UPI credit lines, underscore expansion.

Management’s outlook includes a Board-approved capital plan of ₹8,000 Cr for FY27 to support future growth, alongside a strong commitment to ESG with emission reduction targets by FY2034-35.