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Union Bank of India — PPTs, 21-08-2026: Investor Presentation
Union Bank of India, India’s 5th largest PSB, showed strong Q1 FY27 results.
**Business & Strategy:** Total advances hit 10.95 lakh Cr, deposits 12.83 lakh Cr. RAM segments (Retail, Agri, MSME) are key, comprising 6.07 lakh Cr (55.5%) of advances. Digital transformation is a core driver, with over 90% transactions digital and 1.20 lakh Cr in FY26 digital sanctions. Union Ease App expansion fuels new deposits and financial inclusion.
**Sustainability Focus:** The bank targets net-zero emissions by FY2034-35, supported by a 39,343 Cr green finance portfolio, including 34,360 Cr in renewable energy.
**Q1 FY27 Financials:** Net Interest Income was 10,024 Cr. Record quarterly Operating Profit hit 7,998 Cr, with Net Profit at 5,330 Cr. RoA improved to 1.36%, RoE to 17.23%. Asset quality significantly strengthened: Gross NPA 2.65% (29,080 Cr) and Net NPA 0.47% (5,017 Cr). Credit grew 12.5% YoY, deposits 3.5% YoY.