Investor Presentation Sept 2026

संदर् भ Ref.:नि.से.वि.ISD/234/2026-27 दिन ांक Date: अक्टूबर October 19, 2026 बीएसई दिस्टांग 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 September 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 September 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 – Q2 FY2027 19.10.2026 Please follow us on: Followers: 42,02,679 6,50,747 2,26,323 4,48,000 3,40,524 61,800 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Branch Network Shareholding (%) NORTH EASTERN NORTHERN CENTRAL 132 Branches 1,046 Branches 1,762 Branches (105 ATMs) (975 ATMs) (1,658 ATMs) Jun-26 Sep-26 FII FII 89..6430 9.40 Branches Share DII DII  Rural (30%) 1101..7193 11.13  Semi-urban (30%) 45..7812 Public 4.71 Public  Urban (20%)  Metro (20%) 74.76 Govt. of Govt. of India India 74.76 74.76 Centralized Processing Centres EASTERN 11 LCBs & 38 MCBs 1,038 Branches (969 ATMs) 117 Union MSME First Branches WESTERN 1,212 Branches Branch Expansion (New Branches) (1,335 ATMs) Q2FY27 FY26-27 143 Retail Loan Points SOUTHERN 22 150 3,521 Branches (3,773 ATMs) 138 MSME Loan Points Total Specialized Sport Total Branches Total ATMs Total BC Points 1,670 Gold Loan Points Employees Employees Persons 8,713 8,815 28,654 74,106 5,944 95 3 SAMBs & 27 ARBs 2/30 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Business Snapshot ₹ in crore Growth Growth S. N. Particulars Sep-25 Jun-26 Sep-26 Absolute Y-o-Y (%) Absolute Q-o-Q (%) 1 Global Business 22,09,828 23,79,697 24,75,330 2,65,502 12.01 95,634 4.02 1.1 Global Deposits 12,34,621 12,83,366 13,19,455 84,834 6.87 36,089 2.81 1.2 Global Advances 9,75,207 10,96,331 11,55,876 1,80,669 18.53 59,545 5.44 2 Domestic Advances 9,42,273 10,61,128 11,05,753 1,63,480 17.35 44,625 4.21 2.1 Retail 2,38,506 2,56,653 2,65,323 26,817 11.24 8,670 3.38 2.2 Agriculture 1,68,405 1,83,184 1,89,810 21,405 12.71 6,626 3.62 2.3 MSME 1,47,395 1,68,258 1,80,394 32,999 22.39 12,136 7.21 3 RAM Advances 5,54,306 6,08,095 6,35,527 81,221 14.65 27,432 4.51 3.1 W/w Gold 82,900 86,506 88,410 5,510 6.65 1,904 2.20 4 Corporate & Others 4,20,901 4,88,236 5,20,349 99,448 23.63 32,113 6.59 4.1 W/w Overseas Advances 32,934 35,203 50,123 17,189 52.19 14,920 42.38 5 Domestic Deposits 12,34,088 12,82,770 13,18,977 84,889 6.88 36,207 2.82 5.1 Current 62,965 73,904 81,575 18,610 29.56 7,671 10.38 5.2 SB 3,38,844 3,76,316 3,79,121 40,277 11.89 2,805 0.75 5.3 Term Deposit 8,32,279 8,32,550 8,58,280 26,001 3.12 25,730 3.09 5.3.1 Bulk Deposit (inclCDs) 2,86,732 2,51,529 2,60,083 -26,649 -9.29 8,554 3.40 5.3.2 Retail TD 5,45,547 5,81,021 5,98,197 52,650 9.65 17,176 2.96 6 CASA 4,01,854 4,50,305 4,60,728 58,874 14.65 10,423 2.31 7 CASA Ratio (Dom.) 32.56% 35.10% 34.93% 237 bps - -17 bps - 8 Domestic Business 21,76,361 23,43,898 24,24,730 2,48,369 11.41 80,832 3.45 9 Overseas Business 33,467 35,799 50,601 17,134 51.2 14,802 41.35 10 Domestic CD Ratio 77.01% 83.38% 84.34% 733 bps - 96 bps - 11 Global CD Ratio 79.67% 86.10% 88.13% 846 bps - 203 bps - 3/30 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Operating Performance (Sep-26 Q) Deposits Advances Capital CRAR 17.94% Gross 6.87% YoY Gross 18.53 % YoY 87 bps YoY RTD 9.65% YoY RAM 14.65 % YoY CET-I 16.05% CASA 237 bps YoY 168 bps YoY Deposit Growth Advance Growth Profit Net Interest Income Efficiency Operating Profit ₹ 8,108 Cr NII ₹ 10,583 Cr Credit Cost 0.21% 18.99% YoY 20.09% YoY 1 bps YoY Net Profit ₹ 5,537 Cr 30.31% YoY Operating profit ₹ 16,110 Cr Sep-26(6M) Sep-26(6M) NII ₹ 20,620 Cr Sep-26(6M) Credit Cost 0.29% Net Profit ₹ 10,870 Cr Operating profit ₹ 13,723 Cr Sep-25(6M) Sep-25(6M) NII ₹ 17,925 Cr Sep-25(6M) Credit Cost 0.34% Net Profit ₹ 8,365 Cr 4/30 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Operating Performance (Sep-26 Q) NIM % NIM % (adj. tax refund) Asset Quality NIM (adj. tax refund) 3.03% GNPA 2.42% NIM 2.86% 20 bps YoY 19 bps YoY 87 bps YoY NNPA 0.42% 13 bps YoY Sep-26(6M) NIM 2.83% Sep-26(6M) NIM (adj. tax refund)2.98% PCR 95.20% Sep-25(6M) NIM 2.71% Sep-25(6M) NIM (adj. tax refund) 2.79% 7bps YoY Profitability : RoA Profitability : RoE Profitability : RoRWA RoA1.38% RoE 17.21% 22 bps YoY 213 bps YoY RoRWA 2.78% Core RoA1.03% Book Value ₹168.61 44 bps YoY 41 bps YoY 14.16% YoY Sep-26(6M) RoA1.37% Sep-26(6M) RoE16.89% Sep-26(6M) RoRWA2.79% Sep-25(6M) RoA1.13% Sep-25(6M) RoE14.84% Sep-25(6M) RoRWA2.39% 5/30 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Profitability Operating Profit Net Profit Net Interest Income ₹ in crore ₹ in crore ₹ in crore 5316 5332 5537 8113 7492 7700 7955 8003 8108 4720 4604 4985 4116 4249 5017 10037 10583 6909 6814 6942 9047 9240 9514 9113 8812 9328 9406 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 H1FY26 H1FY27 FY-24 FY-25 FY-26 H1FY26 H1FY27 FY-24 FY-25 FY-26 H1FY26 H1FY27 28,211 31,090 28,620 13,723 16,110 13,648 17,987 18,697 8,365 10,870 36,570 37,214 36,659 17,925 20,620 RoA& RoRWA% RoE% EPS 12 ..8 32 5 12 ..7 34 0 12 ..8 39 5 12 ..3 16 1 12 ..4 10 6 12 ..7 33 5 12 ..8 33 6 12 ..8 30 6 12 ..8 34 8 19.10 17.75 19.07 15.15 15.08 17.09 18.04 17.23 17.21 24.73 24.12 26.12 21.57 22.27 26.29 27.85 27.94 29.01 0.65 0.66 0.50 0.62 1.03 0.78 0.93 0.80 1.00 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 RoA Core ROA* RoRWA Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 FY-24 FY-25 FY-26 H1FY26 H1FY27 FY-24 FY-25 FY-26 H1FY26 H1FY27 FY-24 FY-25 FY-26 H1FY26 H1FY27 1.03% 1.26% 1.25% 1.13% 1.37% 15.58% 17.20% 15.86% 14.84% 16.89% 18.95 23.56 24.49 21.92 28.48 *Core ROA = ROA excluding Treasury and Recovery income from TWO 6/30 New Initiatives/ Pan India Performance Business Financials Asset Quality & Financial Group Awards & Ease of Doing Presence Highlights at a Glance at a Glance Capital Adequacy Inclusion Entities Accolades Business Asset Quality GNPA NNPA GNPA% & NNPA% ₹ in crore ₹ in crore Improvement of 194 bps ₹12,583 Crore Reduction ₹3,991 Crore Reduction since Sep-24 40499 since Sep-24 sinceSep-24 4.36 Improvement of 87 bps ₹ 4,169 Crore Reduction 8759 ₹ 441 Crore Reduction 3.85 since Sep-25 36554 since Sep-25 7568 [Showing first 8,000 characters — download PDF for full document]