Investor Presentation

संदर् भ Ref.:नि.से.वि.ISD/127/2026-27 दिन ांक Date: जुल ई July 15, 2026 बीएसई दलस्टांग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. स्िप कोड Scrip Code - 532 477 दनप्स NEAPS स्िप कोड Scrip Symbol-UNIONBANK-EQ Subject: Presentation on Financial Results for the Quarter ended on June 30, 2026. Pursuant to Regulation 30 read with Clause 15 of Para A of Part A of Schedule III and Regulation 46(2)(o) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby submit the Presentation on Unaudited Financial Results (Standalone and Consolidated) of the Bank for the quarter ended on June 30, 2026. The same is also being made available on our Bank’s web site - https://www.unionbankofindia.bank.in The above is for your information and record. Thanking you. भवदीय Yours faithfully, कंपिी सचिि Company Secretary Encl: As above. Union Bank of India, Investor Services Division, Union Bank Bhavan,239,Vidhan Bhavan Marg, Nariman Point, Mumbai- 400021. : + 91 22 2289 6636/2289 6643, investorservices@unionbankofindia.bank.in , website: www.unionbankofindia.bank.in Years Legacy Business First, Compliance Always Investor Presentation – Q1 FY2027 15.07.2026 Please follow us on: Followers: 40,08,216 6,49,507 2,21,785 3,61,000 3,20,867 56,008 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Branch Network Shareholding (%) NORTH EASTERN NORTHERN CENTRAL 130 Branches 1,045 Branches 1,756 Branches (106 ATMs) (979 ATMs) (1,652 ATMs) FII 8.63 10.79 Public Branches Share 5.82  Rural (30%)  Semi-urban (30%)  Urban (20%) 74.76 Govt. of India  Metro (20%) Centralized Processing Centres EASTERN 11 LCBs & 38 MCBs 1,035 Branches (958 ATMs) 117 Union MSME First Branches WESTERN 1,211 Branches Branch Expansion (New Branches) (1,324 ATMs) Q1FY27 FY26-27 143 Retail Loan Points SOUTHERN 8 150 3,521 Branches (3,739 ATMs) 138 MSME Loan Points Total Specialized Sport Total Branches Total ATMs Total BC Points 1,671 Gold Loan Points Employees Employees Persons 8,700 8,758 28,629 74,281 5,978 95 3 SAMBs & 28 ARBs 2/29 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Operating Performance (Jun-26 Q) Deposits Advances RAM Capital Asset Quality GNPA 2.65% CRAR 18.46% NNPA 0.47% 3.50% YoY 12.50% YoY 11.56% YoY CET-I 16.38% PCR 95.05% Deposit growth Consistent & Sustained Growth in RAM advances Improved by 16 bps YoY Improved by 87 bps YoY Credit Growth Improved by 15 bps YoY Improved by 108 bps YoY Improved by 40 bps YoY Operating Profit Net Profit Margin Efficiency Profitability RoA1.36% NII ₹ 10,037 Cr ₹ 8,003 Cr ₹ 5,332 Cr Credit Cost 0.38% RoE 17.23% NIM 2.80% Book Value ₹ 162.15 RoA1.11% (Jun-25 Q) Op. Profit ₹ 6,909Cr (Jun-25 Q) Net Profit ₹ 4,116 Cr (Jun-25 Q) NII ₹ 9,113 Cr (Jun-25 Q) Credit Cost 0.47% (Jun-25 Q) Growth of 15.83% YoY Growth of 29.57% YoY NIM 2.76% (Jun-25 Q) Improved by 9bps YoY RoE15.15% (Jun-25 Q) Book Value ₹142.37 (Jun-25 Q) NIM 2.64% (Mar-26 Q) Improved by 16 bps QoQ 3/29 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ in crore 5316 5332 7785 8113 7492 7700 6909 6814 6942 7955 8003 3679 4720 4604 4985 4116 4249 5017 9412 9047 9240 9514 9113 8812 9328 9406 10037 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 RoA% RoE% EPS 1.06 1.35 1.30 1.35 1.11 1.16 1.35 1.36 1.36 15.70 19.10 17.75 19.07 15.15 15.08 17.09 18.04 17.23 19.28 24.73 24.12 26.12 21.57 22.27 26.29 27.85 27.94 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 4/29 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Asset Quality GNPA NNPA GNPA% & NNPA% ₹ in crore ₹ in crore Improvement of 189 bps ₹ 12,330 Crore Reduction ₹ 2,885 Crore Reduction since Jun-24 41423 40499 ₹ 5,21s 8i n Cc re o rJu e n R- e2 d4 uction 8759 ₹ 857s Cin rc oe reJu Rn e- d2 u4 ction 4.54 4.36 Impro sv ie nm cee n Jut n o -f 2 587 bps since Jun-25 7902 7568 since Jun-25 3.85 3.60 3.52 Improvement of 43 bps 3.29 3.06 36554 5969 5874 since Jun-24 2.82 2.65 35350 5209 5102 5067 5017 Improvement of 15 bps 34311 since Jun-25 32085 0.90 0.98 0.82 0.63 0.62 0.55 0.51 0.48 0.47 31121 30401 29093 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 GNPA % NNPA % Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PCR% Credit Cost% Slippage Ratio% Improvement of 156 bps Improvement of 35 bps Improvement of 26 bps since Jun-24 since Jun-24 since Jun-24 Improvement of 40 bps 1.09 Improvement of 9 bps Improvement of 17 bps since Jun-25 since Jun-25 2.40 since Jun-25 94.61 94.65 95.13 95.13 95.03 95.05 0.73 0.63 0.69 93.49 92.79 93.42 0.47 0.38 1.08 0.89 1.13 0.99 0.91 0.79 0.85 0.82 0.22 0.16 0.09 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 5/29 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Diversified Credit Portfolio ₹ in crore Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 YoY (%) QoQ(%) Retail 2,29,040 2,38,506 2,45,541 2,53,083 2,56,653 12.06 1.41 Agriculture 1,71,606 1,68,405 1,75,294 1,83,394 1,83,184 6.75 -0.11 MSME 1,44,441 1,47,395 1,56,203 1,62,007 1,68,258 16.49 3.86 RAM Advances 5,45,087 5,54,306 5,77,038 5,98,484 6,08,095 11.56 1.61 Large Corporate 3,83,741 3,79,420 3,94,999 4,31,609 4,42,513 15.32 2.53 Others 9,270 8,547 8,682 10,861 10,520 13.48 -3.14 Domestic Advances 9,38,098 9,42,273 9,80,719 10,40,954 10,61,128 13.11 1.94 Overseas Advances 36,391 32,934 36,165 37,657 35,203 -3.26 -6.52 Global Advances 9,74,489 9,75,207 10,16,884 10,78,611 10,96,331 12.50 1.64 Consistent & Sustained Growth Credit / Deposit Ratio RAM and LC & Other Mix (%) Global Retail Bureau Scores (%) Global 86.10% 56 57 57 55 55 37.5 39.1 38.0 37.0 39.0 Domestic 83.38% 44 43 43 45 45 35.7 37.4 37.0 35.9 35.7 99.8% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 RAM LC & Others 26.3 24.8 26.9 25.1 2Y -CAGR 23.3 RAM and LC & Other Mix (%) Domestic Global Advances 9.63% 58 59 59 57 57 0.4 0.3 0.2 0.2 0.2 Domestic Advances 9.89% 42 41 41 43 43 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 RAM 10.95% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 >780 750 to 780 700 to 749 <700 RAM LC & Others 6/29 Project Muskaan/ Pan India Performance Business Financials Asset Quality & Financial Cyber Group Entities Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion & ESG Security & Awards Business Credit Growth- RAM RetailPortfolioof AgriPortfolioof MSME Portfolioof ~₹ 2.57 ~₹ 1.83 ~₹ 1.68 lakh crores lakh crores lakh crores Jun 26: Jun 26: Jun 26: 24.19% 17.26% 15.86% ofDom.Adv. ofDom.Adv. ofDom.Adv. ₹ in crore ₹ in crore ₹ in crore % % % Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 S Jh ua nr -e Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 S Jh ua nr -e Part ri scula Jun- 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