Analysts/Institutional Investor Meet/Con. Call Updates

संदर् भ Ref.:नि.से.वि.ISD/134/2026-27 दिन ांक Date: जुल ई July 21, 2026 बीएसई चिखस्टोंग सेंटर BSE Listing Centre National Stock Exchange of India Ltd. खिप िोड Scrip Code - 532 477 चनप्स NEAPS खिप िोड Scrip Symbol-UNIONBANK-EQ यह सूचित चिया जाता है चि 30 जून, 2026 िो समाप्त This is to inform that transcript of Post Earnings call held on July 15, 2026, for Reviewed Unaudited (Standalone and Consolidated) Financial Results of the Bank for the quarter ended on June 30,2026 is submitted herewith as a PDF searchable The same is also being made available in the Bank’s website under the following web link: https://www.unionbankofindia.co.in/en/co https://www.unionbankofindia.co.in/en/comm mmon/financial-results on/financial-results आिश्यिताएँ) चिचनयम, 2015 िी अनुसूिी III, भाग ए, Regulation 46(2)(oa)(iii) and Regulation 30 पैरा ए, 15 (बी) िे साथ पचित चिचनयम 46(2)(ओए)(iii) read with Schedule III, Part A, Para A, 15(b) Disclosure Requirements) Regulations, 2015. भिदीय 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 “Union Bank of India Earnings Conference Call for the period ended June 30, 2026” July 15, 2026 MANAGEMENT: SHRI ASHEESH PANDEY – MANAGING DIRECTOR AND SHRI NITESH RANJAN – EXECUTIVE DIRECTOR SHRI RAMASUBRAMANIAN S – EXECUTIVE DIRECTOR SHRI AMRESH PRASAD – EXECUTIVE DIRECTOR SHRI DHIRENDRA JAIN – CHIEF FINANCIAL OFFICER Classification: Public Page 1 of 17 Classification: Internal Union Bank of India July 15, 2026 Moderator: Ladies and gentlemen, good day and welcome to the Union Bank of India Earnings Conference Call for the period ended June 30, 2026. The bank is represented by the Managing Director and CEO, Shri. Asheesh Pandey; Executive Directors, Shri Nitesh Ranjan, Shri Ramasubramanian S, Shri Amresh Prasad, and other members of the top management. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded. I now hand over the call to Mr. Ajay Bansal, Deputy General Manager. Thank you and over to you. Ajay Bansal: Thanks, ma'am. Good afternoon, ladies and gentlemen. I, Ajay Bansal, Head of Investor Relations, welcome you all for Union Bank of India earning con call for the period ended June 30, 2026. The structure of the con call shall include a brief opening statement by respected MD and CEO sir and then the floor will be open for interaction. Before getting into the con call, I will read out the usual disclaimer statement. I would like to submit that certain statements that may be discussed during the investor interaction may be forward-looking statements based on the current expectations. These statements involve a number of risks, uncertainty, and other factors that cause the actual result to differ from the statement. Investors are therefore requested to check this information independently before making any investment or other decision. With this, I now request our respected MD and CEO sir for his opening remarks. Thank you and over to you, sir. Asheesh Pandey: So thank you, thank you Mr. Bansal, and with great pleasure, I welcome all our analysts and the investors on this con call to Union Bank of India, your bank, financial results announcement for the quarter ended 30th June 2026. So to have a more Q&A and understanding, I would not go much, but as of, you know, all of you know, so to just set a context that what the economy we are in and what are the disruptive situations happening across world and how it is impacted, the Russia-Ukraine conflict. So but at the same time, our country is well-poised with the various proactive efforts taken by the policymakers, the Government of India, all the regulators, Reserve Bank, and the various state governments as well. So, I think we are resilient, and we are in a position to navigate the impact of oil prices, trade linkages, logistics, currency, and rate movements. So I think with this, the analyst or press meet for last three quarters. So we were very clear in communicating that your bank is working upon five pillars. The first is Efficiency, second is Robustness, third is Quality and Sustainable Growth, fourth is Profitability, and fifth is Customer Centricity and ease of doing business for staff. And equally, we are having weightage to all these five parameters. And I think the improvements which you must be observing quarter-to-quarter from December 2025 onwards, are aligning to these five pillars only. Classification: Public Page 2 of 17 Classification: Internal Union Bank of India July 15, 2026 So we had also informed you that your bank has done like, you know, the bank is now various structural changes also taken place in some of the things like on technology, on operations. Project Muskaan we are running, we have which has now we are getting the real good green shoots of it. Meanwhile, we have created certain verticals like ecosystem banking. So public sector banking, I think we could achieve within last six to seven months is now that entire sourcing of business is separate where we are having 1,200 plus people as a ecosystem banking vertical headed by CGM and then he is having seven-eight GMs and then 14 DGMs and then around 1,200 people, 118 centers and 12 hubs. So these people are neither related to administrative work or nor related to the branch work. They are totally in the relationship management and that is why the CASA we are in a position to sustain from June 2025 or March 2025 or September 2025 levels. And if we speak certainly even for the June quarter very well that we when we talk about, you know, the low-cost deposit, we talk about CASA plus RTD. So CASA even in the June quarter, I can give you the average figures is around INR24,000 plus crores average CASA we have maintained during the quarter and RTD we have maintained average as a INR17,000 crores, total put together INR41,000 crores. Around we have shed off around INR18,000 to INR20,000 crores of bulk deposit, but shed off doesn't mean that we are not taking the deposit. We are taking the deposit, but in the last—the first thing is that we have a capital base of 18.46%, a robust capital, and March 2025 somewhere in that we were at 74% level and today we are at 86% level, it means around 12% growth. So it gives a good sort of a leeway, that is why efficiency is maintained and we are in a position to come with some better figures as we promised to all our investors earlier. So even now, I would not like to give figures, but even today our average CASA figures are better than the June 30th CASA figures because that is what I am saying about the about the vertical which we have created. The NACH registration which we were doing around 12,000 to 13,000 per day is increased to 18,000. So there you can think of because the fee-based income and other things are generated through all these activities. And almost in a quarter more than 200, if I am not wrong, corporates we are integrating so that our stickiness, as in the press meet told by our CFO, he will again in brief he will tell, but it is around 95% somewhere to 99% stickiness in advances, in saving, and the current. So I think that is a good color which gives that we are the bank is now what they said is working upon the average figures. Now in this quarter, we also got excellence some award, IIBF excellence in governance and compliance, TransUnion CIBIL award for best data quality bank, IBA award for cybersecurity team, and Economic Times Enterprise Security winner for data privacy. So I think these are the something because we believ [Showing first 8,000 characters — download PDF for full document]