Slides
Page 1
Investor Presentation –Q2 FY202719.10.2026 Please follow us on: Years of Legacy Business First, Compliance Always 42,02,6796,50,747Followers:2,26,3234,48,0003,40,52461,800
Page 2
1,212 Branches(1,335 ATMs)3,521 Branches(3,773 ATMs)1,046 Branches(975 ATMs) Total Branches Total ATMs Total BC Points8,713 8,815 28,654 NORTHERNWESTERNSOUTHERN Branch Network1,762 Branches(1,658 ATMs)CENTRAL132 Branches(105 ATMs)NORTH EASTERN1,038 Branches(969 ATMs)EASTERN2/30 Govt. of IndiaPublicDIIFII11 LCBs & 38 MCBs117 Union MSME First Branches143 Retail Loan Points138 MSME Loan Points1,670 Gold Loan Points3 SAMBs & 27 ARBs Shareholding (%) Centralized Processing CentresBranches ShareRural (30%)Semi-urban (30%)Metro (20%)Urban (20%) Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing BusinessAwards & Accolades Performance Highlights Group Entities Pan India Presence Total EmployeesSpecialized EmployeesSport Persons74,106 5,944 95 Branch Expansion (New Branches)Q2FY27 FY26-2722 150 74.769.4011.134.7174.768.6310.795.82Govt. of IndiaPublicDIIFII74.769.4011.134.71 Jun-26 Sep-26
Page 3
Business Snapshot Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence S. N. Particulars Sep-25 Jun-26 Sep-26Growth GrowthAbsolute Y-o-Y (%) Absolute Q-o-Q (%)1Global Business22,09,828 23,79,697 24,75,330 2,65,502 12.01 95,634 4.021.1 Global Deposits12,34,621 12,83,366 13,19,455 84,834 6.87 36,089 2.811.2 Global Advances9,75,207 10,96,331 11,55,876 1,80,669 18.53 59,545 5.442Domestic Advances9,42,273 10,61,128 11,05,753 1,63,480 17.35 44,625 4.212.1 Retail2,38,506 2,56,653 2,65,323 26,817 11.24 8,670 3.382.2 Agriculture1,68,405 1,83,1841,89,81021,405 12.71 6,626 3.622.3 MSME1,47,395 1,68,2581,80,39432,999 22.39 12,136 7.213RAM Advances5,54,306 6,08,095 6,35,527 81,221 14.65 27,432 4.513.1 W/w Gold82,900 86,506 88,410 5,510 6.65 1,904 2.204 Corporate & Others4,20,901 4,88,236 5,20,349 99,448 23.63 32,113 6.594.1 W/w Overseas Advances32,934 35,203 50,123 17,189 52.19 14,920 42.385Domestic Deposits12,34,088 12,82,770 13,18,977 84,889 6.88 36,207 2.825.1 Current62,965 73,904 81,57518,610 29.56 7,671 10.385.2 SB3,38,844 3,76,316 3,79,12140,277 11.89 2,805 0.755.3 Term Deposit8,32,279 8,32,550 8,58,28026,001 3.12 25,730 3.095.3.1 Bulk Deposit (incl CDs)2,86,732 2,51,529 2,60,083-26,649 -9.29 8,554 3.405.3.2 Retail TD5,45,547 5,81,021 5,98,19752,650 9.65 17,176 2.966CASA4,01,854 4,50,305 4,60,728 58,874 14.65 10,423 2.317CASA Ratio (Dom.)32.56% 35.10% 34.93% 237 bps--17 bps -8Domestic Business21,76,361 23,43,898 24,24,730 2,48,369 11.41 80,832 3.459Overseas Business33,467 35,799 50,601 17,134 51.2 14,802 41.3510Domestic CD Ratio77.01% 83.38% 84.34% 733 bps-96 bps-11Global CD Ratio79.67% 86.10% 88.13%846 bps-203 bps-3/30 ₹ in croreAwards & AccoladesGroup Entities
Page 4
Operating Performance (Sep-26 Q)DepositsAdvancesNet Interest IncomeCapitalGross 18.53 % YoYGross 6.87% YoYRTD 9.65% YoYCASA 237 bps YoYRAM 14.65 % YoYProfitEfficiencyOperating Profit ₹ 8,108 Cr18.99% YoYNet Profit ₹ 5,537 Cr30.31% YoY CRAR 17.94%87 bps YoYCET-I 16.05%168 bps YoYNII ₹ 10,583 Cr20.09% YoYCredit Cost 0.21%1 bps YoY Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence Operating profit ₹ 16,110 CrNet Profit ₹ 10,870 CrNII ₹ 20,620 CrCredit Cost 0.29% Sep-26(6M)Operating profit ₹ 13,723 CrNet Profit ₹ 8,365 CrNII ₹ 17,925 CrCredit Cost 0.34% Sep-25(6M)4/30 Awards & AccoladesGroup EntitiesDeposit GrowthAdvance Growth Sep-26(6M) Sep-25(6M) Sep-26(6M) Sep-25(6M)
Page 5
Operating Performance (Sep-26 Q) Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence Awards & AccoladesGroup Entities RoE 17.21%213 bps YoY Book Value ₹168.6114.16% YoY NIM (adj. tax refund)3.03%20 bps YoYNIM % (adj. tax refund)Asset QualityNIM %Profitability : RoAProfitability : RoEProfitability : RoRWAGNPA 2.42%87 bps YoYNNPA 0.42%13 bps YoYPCR 95.20%7 bps YoYRoRWA 2.78%44 bps YoY NIM 2.86%19 bps YoY RoA 1.38%22 bps YoYCore RoA 1.03%41 bps YoY Sep-26(6M) Sep-25(6M)RoA 1.37%RoA 1.13%RoRWA 2.79%RoRWA 2.39%RoE 16.89%RoE 14.84% Sep-26(6M) Sep-25(6M)NIM 2.83%NIM 2.71%NIM (adj. tax refund)2.98%NIM (adj. tax refund) 2.79%5/30 Sep-26(6M) Sep-25(6M) Sep-26(6M) Sep-25(6M) Sep-26(6M) Sep-25(6M)
Page 6
6/30 Profitability 24.7324.1226.1221.5722.2726.2927.8527.9429.01Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-261.351.301.351.111.161.351.36 1.361.380.650.780.660.500.620.930.801.001.032.822.742.892.362.402.732.832.802.84Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26RoACore ROA*RoRWA472046044985411642495017531653325537Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-2690479240951491138812932894061003710583Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26811374927700690968146942795580038108Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Operating Profit Net Profit EPS RoA & RoRWA% Net Interest Income₹ in crore₹ in crore₹ in crore19.1017.7519.0715.1515.0817.0918.0417.2317.21Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 RoE % Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence FY-2531,090FY-2628,620H1FY2613,723FY-2428,211H1FY2716,110FY-2517,987FY-2618,697H1FY268,365FY-2413,648H1FY2710,870FY-2537,214FY-2636,659H1FY2617,925FY-2436,570H1FY2720,620FY-251.26%FY-261.25%H1FY261.13%FY-241.03%H1FY271.37%FY-2523.56FY-2624.49H1FY2621.92FY-2418.95H1FY2728.48FY-2517.20%FY-2615.86%H1FY2614.84%FY-2415.58%H1FY2716.89%*Core ROA = ROA excluding Treasury and Recovery income from TWO Awards & AccoladesGroup Entities
Page 7
7/30 Asset Quality 2.400.891.130.990.910.790.850.820.72Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-2692.7993.4294.6194.6595.1395.1395.0395.0595.20Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-261.090.630.690.470.220.090.160.380.21Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Credit Cost% Slippage Ratio% PCR%875975685969587452095102506750174768Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26₹3,991 Crore Reductionsince Sep-24₹ 441 Crore Reductionsince Sep-254.363.853.603.523.293.062.822.652.420.980.820.630.620.550.510.480.470.42Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26GNPA %NNPA %404993655435350343113208531121304012909327916Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 GNPA NNPA GNPA% & NNPA%₹ in crore₹ in croreImprovement of 241 bpssince Sep-24Improvement of 7 bpssince Sep-25Improvement of 168 bpssince Sep-24Improvement of 19 bpssince Sep-25Improvement of 88 bpssince Sep-24Improvement of 1 bpssince Sep-25Improvement of 194 bpssince Sep-24Improvement of 87 bpssince Sep-25Improvement of 56 bps since Sep-24Improvement of 13 bpssince Sep-25 Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence FY-2594.61%FY-2695.03%H1FY2695.13%FY-2492.69%H1FY2795.20%FY-251.40%FY-260.89%H1FY260.95%FY-241.59%H1FY270.78%FY-250.77%FY-260.23%H1FY260.34%FY-240.74%H1FY270.29% ₹12,583 Crore Reductionsince Sep-24₹ 4,169 Crore Reductionsince Sep-25Awards & AccoladesGroup Entities
Page 8
8/30 Diversified Credit Portfolio Consistent & Sustained Growth Global Advances2Y - CAGRRAMDomestic Advances79.67%77.01%Global DomesticCredit / Deposit Ratio Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence 57 5755 55 5543 4345 4545Sep-25 Dec-25 Mar-26 Jun-26 Sep-26RAM and LC & Other Mix (%) GlobalRAM LC & Others59 5957575741 4143 43 43Sep-25 Dec-25 Mar-26 Jun-26 Sep-26RAM and LC & Other Mix (%) DomesticRAMLC & Others Awards & AccoladesGroup Entities39.137.037.039.038.137.438.035.935.735.823.324.826.925.125.90.30.2 0.2 0.2 0.2Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Retail Bureau Scores (%)Above 780750 to 780700 to 749Below 70099.8%88.13%84.34%Sep-25Sep-26 Global Advances2Y - CAGRRAMDomestic Advances11.55%11.19%10.01%7.29%7.10%8.88%Sep-25Sep-26
Page 9
9/30 Credit Growth- RAM Sep 26:of Dom. Adv .23.99%Sep 26:of Dom. Adv .17.17%Sep 26:of Dom. Adv .16.31% Retail Portfolio of Agri Portfolio of MSME Portfolio of~₹ 2.65 lakh crores~₹ 1.90 lakh crores~₹ 1.80 lakh croresParticularsSep-25 Dec-25 Mar-26 Jun-26 Sep-26% ShareSep-26Home Loans1,00,874 1,04,677 1,07,687 1,10,236 1,14,276 43.07Vehicle Loans24,42926,341 28,415 30,037 31,613 11.91Education Loans17,49317,800 18,166 18,149 18,649 7.03Mortgage Loans16,672 17,463 18,023 18,160 18,957 7.14Others79,03879,260 80,792 80,071 81,828 30.84Total Retail2,38,5062,45,541 2,53,083 2,56,653 2,65,323 100.00₹ in croreParticularsSep-25 Dec-25 Mar-26 Jun-26 Sep-26% ShareSep-26Farm Credit(Crop, Investment & Allied)1,42,002 1,45,109 1,51,155 1,47,4741,50,63679.36Agri Ancillary Activities24,955 28,739 30,751 34,120 37,470 19.74Agri Infrastructure1,448 1,446 1,488 1,590 1,704 0.90Total Agri1,68,405 1,75,294 1,83,394 1,83,1841,89,810100.00ParticularsSep-25 Dec-25 Mar-26 Jun-26 Sep-26% ShareSep-26Micro80,066 84,091 87,029 88,399 93,836 52.02Small38,527 41,430 43,947 47,669 53,223 29.50Medium28,802 30,682 31,031 32,190 33,335 18.48Total MSME1,47,395 1,56,203 1,62,007 1,68,258 1,80,394 100.00₹ in crore₹ in crore Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence 238,506245,541253,083256,653265,323Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Retail168,405175,294183,394183,184189,810Sep-25 Dec-25 Mar-26 Jun-26 Sep-26147,395156,203162,007168,258180,394Sep-25Dec-25Mar-26Jun-26Sep-26 MSME Agriculture Awards & AccoladesGroup Entities
Page 10
Credit to IndustriesS. No. Sectors(% Share in Domestic Advances) Sep-25 Sep-26₹ In Crore % Share ₹ In Crore % Share1Infrastructure 95,123 10.10 1,21,269 10.972NBFCs and HFCs 1,28,551 13.64 1,76,30015.94- HFCs 30,4993.2435,7843.24-PSU & PSU Backed NBFCs29,2103.1057,3625.19-Pvt. NBFCs68,8427.3183,1547.523Basic Metals 23,894 2.54 30,532 2.764Petroleum/Coal/Nuclear 17,471 1.85 17,768 1.615Food Processing *28,122 2.98 40,8403.696Chemical & Chemical Products11,954 1.27 18,454 1.677Textiles16,470 1.75 20,5491.86Total (1 to 7)3,21,585 34.13 4,25,71238.50i)-Power43,6454.6362,0995.62-Renewable Energy16,6231.7622,3972.03w/w Wind5190.067190.07Solar10,9331.1615,0601.36-Thermal13,6951.4516,8531.52-Govt. PSU (Power)24,3452.5831,1662.82-Non-PSU (Power)19,3002.0530,9332.80ii)-Road34,0213.6146,6404.22-HAM 9,0370.968,9060.81iii)-Others17,4571.8512,5301.13Some sectors within “Infrastructure” for last year & current year are provided below: 10/30 65 65 6567 6731 313027283345411111Sep-25 Dec-25 Mar-26 Jun-26 Sep-26AAAAAABBB & lowerNBFC –Rating Profile of Standard Exposure (%)NBFC –Rating Profile of Standard Exposure (%)99.6% Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence * Including Agriculture and Corporate84 848685 8510 109 9106 65 65Sep-25 Dec-25 Mar-26 Jun-26 Sep-26A & ABOVEBBBBB & BELOWRating-Corporate Loans % (>25 Cr)Rating-Corporate Loans % (>25 Cr)94.6%Awards & AccoladesGroup Entities
Page 11
₹ in crore Deposit GrowthParticularsSep-25 Dec-25 Mar-26 Jun-26 Sep-26Y-o-Y(%)Q-o-Q(%)Global Deposits12,34,621 12,22,856 13,06,891 12,83,366 13,19,455 6.87 2.81- Domestic Deposits12,34,08812,22,260 13,06,288 12,82,770 13,18,977 6.88 2.82- CASA(%) Domestic32.56 33.96 35.21 35.10 34.93 237 bps -17 bpsLiquidity PositionParticularsAs on30.09.26Avg. LCR 120.00%NSFR 115.58%ParticularsAs on30.09.26Global Deposits 3.07Domestic Deposits 4.362Y - CAGR₹ in crore₹ in crore11/30 ₹ in crore Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence 9504019693241029852 10312411058894284220253532276436251529260083Sep-25 Dec-25 Mar-26 Jun-26 Sep-26CASA + Retail TDBulk Term Deposits11.42% CASA+RTD YoY GrowthComposition of Deposits338844347342375990376316379121Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Savings Deposits11.89% YoY Growth401854415094460077450305460728Sep-25 Dec-25 Mar-26 Jun-26 Sep-2614.65% YoY Growth CASA DepositsAwards & AccoladesGroup Entities
Page 12
₹ in croreComposition of Domestic InvestmentsCategory Sep-25 Dec-25 Mar-26 Jun-26 Sep-26SLR Investments2,60,5472,56,7092,61,3872,67,9402,71,174Non-SLR Investments87,41876,35870,29566,05464,640W/wCommercial Paper1,4613,714710906190Certificate of Deposits7,5224,2664,477600Mutual Funds10,43328953732525Shares6,8506,8806,6716,8017,066Bonds & Debentures57,02857,22753,81153,84053,260Others4,1253,9824,0894,1224,099Total Investments 3,47,9653,33,0673,31,682 3,33,994 3,35,814 3,47,965 3,33,067 3,31,682 3,33,994 3,35,814DomesticInvestments₹ in crore Investment Portfolio 12/30 Particulars (Domestic)Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26₹ in croreM-Duration (%) SLR2,60,547 2,56,709 2,61,3872,67,9402,71,1744.90 5.17 4.794.854.94HTM2,30,476 2,15,161 2,12,3122,14,3242,25,2794.90 5.27 5.045.205.10AFS15,567 32,883 43,75749,42244,7917.59 5.25 4.063.704.25FVTPL / HFT14,504 8,665 5,3184,194 1,1041.98 3.22 1.811.65 0.60w/w FVTPL-HFT14,504 8,665 5,3184,194 1,1041.98 3.22 1.811.65 0.60NON SLR87,418 76,358 70,29566,05464,6401.91 1.77 2.132.722.77HTM48,034 47,845 47,04746,89546,7833.39 3.30 3.663.493.31AFS14,502 13,962 9,2045,2014,1120.80 0.79 0.992.022.41FVTPL / HFT23,170 12,929 12,42212,31412,1013.34 2.64 2.622.332.12w/w FVTPL-HFT2,328 2,895 2,0252,0591,865 3.08 1.98 1.541.240.84Subs & JV1,711 1,621 1,6211,6441,644NA NA NA NA NA Businessat a GlanceFinancialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence 75777980812523212019Sep-25 Dec-25 Mar-26 Jun-26 Sep-26SLR (%)Non SLR (%)Awards & AccoladesGroup Entities
Page 13
₹ in crore Profit & Loss StatementParameterSep-25(3M)Dec-25(3M)Mar-26(3M)Jun-26(3M)Sep-26(3M)Y-o-Y% (3M)Q-o-Q%(3M)Sep-25(6M)Sep-26(6M)Y-o-Y%(6M)Interest Income26,191 26,443 26,439 27,203 28,158 7.51 3.51 53,110 55,361 4.24Interest Expense17,378 17,115 17,033 17,166 17,576 1.14 2.39 35,185 34,742 -1.26Net. Interest Income8,812 9,328 9,406 10,037 10,58320.09 5.43 17,925 20,620 15.03Non-Interest Income4,996 4,541 5,412 4,603 4,651 -6.90 1.04 9,482 9,254 -2.40- Fee based Income3,010 2,973 3,209 3,215 3,2106.64 -0.16 5,228 6,425 22.90- Treasury Income1,073 901 636 645 701-34.60 8.78 2,491 1,346 -45.95- Recovery in W/O913 667 1,567 743 740-18.95 -0.45 1,763 1,483 -15.87Operating Income13,808 13,869 14,818 14,640 15,234 10.33 4.06 27,407 29,874 9.00Operating Expenses6,994 6,927 6,863 6,638 7,126 1.89 7.36 13,684 13,764 0.58Operating Profit6,814 6,942 7,955 8,003 8,10818.99 1.31 13,723 16,110 17.39Provisions2,565 1,925 2,640 2,670 2,570 0.22 -3.74 5,358 5,241 -2.19Net Profit4,249 5,017 5,316 5,332 5,53730.31 3.84 8,365 10,870 29.9513/30 Amounts have been reclassified wherever required to match with current quarter’s classification Businessat a Glance Financialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India PresenceAwards & AccoladesGroup Entities
Page 14
0.220.090.160.380.21Sep-25 Dec-25 Mar-26 Jun-26 Sep-26₹ in crore ProvisionsParameterSep-25(3M)Dec-25(3M)Mar-26(3M)Jun-26(3M)Sep-26(3M)NPAs 526 235 423 1,020 596Provision on Non Performing Investments31 26 166 -67 17Provision on Standard Assets 882 176 -252 -66 -135Other Standard Asset Provision* 0 0 700 100 200Taxation (including Deferred Tax Assets)1,168 1,603 1,585 1,691 1,870Others -42 -115 18 -8 22Total 2,565 1,925 2,640 2,670 2,570Credit Cost 0.22 0.09 0.16 0.38 0.2114/30 * ₹ 1,000 Crore not considered in PCR and CRAR Businessat a Glance Financialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence Credit Cost (%)2,565 1,925 2,640 2,670 2,570Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Provisions during the quarter (₹ in Cr)Additional Provision ₹ 700 Cr in March 2026, ₹ 100 Cr in June 2026 and ₹ 200 Cr is included in Sep-26 aggregating to ₹ 1,000 Cr to strengthen the Balance Sheet Additional Provision ₹ 700 Cr in March 2026, ₹ 100 Cr in June 2026 and ₹ 200 Cr is included in Sep-26 aggregating to ₹ 1,000 Cr to strengthen the Balance Sheet Awards & AccoladesGroup Entities
Page 15
6.766.816.776.776.776.346.836.796.806.80Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M)8.348.277.987.907.908.458.398.078.018.01Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M)5.485.315.235.055.015.485.315.235.055.01Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M) Key Ratios 15/30Amounts have been reclassified wherever required to match with current quarter’s classification CoD (%) YoA (%) YoI (%) Businessat a Glance Financialsat a GlanceAsset Quality & Capital AdequacyFinancial InclusionNew Initiatives/ Ease of Doing Business Performance Highlights Pan India Presence FY-255.52%FY-265.39%H1FY265.50%FY-245.22%H1FY275.03%FY-258.74%FY-268.27%H1FY268.42%FY-248.73%H1FY277.90%FY-256.87%FY-266.79%H1FY266.80%FY-246.70%H1FY276.77% 4.744.604.374.374.394.734.604.394.384.34Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M) CoF (%)FY-254.83%FY-264.62%H1FY264.76%FY-244.76%H1FY274.38% Global7.147.106.786.937.037.207.176.847.007.04Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M) YoF (%)FY-257.44%FY-267.06%H1FY267.19%H1FY276.98%2.752.832.682.872.952.672.762.642.802.86Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M) NIM (%)FY-252.91%FY-262.70%H1FY262.71%H1FY272.83%Awards & AccoladesGroup EntitiesFY-247.51% DomesticFY-243.10% Global Domestic Global Domestic Global Domestic Global Domestic Global Domestic
Page 16
147.69153.78154.41162.15168.610.941.001.06 1.061.01Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Book Value per SharePrice to Book Value3.153.203.663.683.720.370.370.43 0.430.44Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Operating Profit per BranchOperating Profit per Employee255.32258.30274.29273.53284.1029.7630.1732.2832.0333.40Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Business per BranchBusiness per Employee 6.225.855.896.175.88Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M)22.2726.2927.8527.9429.01Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M)50.6549.9546.3145.3446.78Sep-25(3M) Dec-25(3M) Mar-26(3M) Jun-26(3M) Sep-26(3M) Key Ratios₹ in crore₹ in crore*Annualized16/30 Businessat a Glance Financialsat a GlanceAsset Quality & Capital AdequacyFinancial Inclusion Performance Highlights Pan India Presence Cost to Income (%) Earnings per Share (₹) Price to Earning (P/E) Business per Branch &Business per Employee Operating Profit per Branch &Operating Profit per Employee Book Value per Share &Price to Book Value New Initiatives/ Ease of Doing BusinessFY-2545.48%FY-2648.98%H1FY2649.93%FY-2446.42%H1FY2746.07%FY-2523.56FY-2624.49H1FY2621.92FY-2418.95H1FY2728.48FY-255.46%FY-266.70%H1FY26 6.32%FY-248.10%H1FY275.99%Awards & AccoladesGroup Entities
Page 17
₹ in crore Movement of NPAsParameterSep-25(3M)Dec-25(3M)Mar-26(3M)Jun-26(3M)Sep-26(3M)Sep-25(6M)Sep-26(6M)Gross NPA - Opening34,311 32,085 31,121 30,401 29,093 35,350 30,401Add : Additions2,151 1,853 2,102 2,157 1,909 4,496 4,066-Balance increase in existing NPA166 193 79 95 53 312 148-Fresh slippages1,985 1,660 2,023 2,062 1,856 4,184 3,918Less : Reductions4,377 2,817 2,822 3,465 3,086 7,761 6,551-Cash Recovery (a)1,113 1,212 1,290 9131,2261,9022,140-Up-gradation (b)1,063 482 365 279 315 1,582 594-Write Off2,201 1,124 1,167 2,273 1,544 4,277 3,817Gross NPAs- Closing32,085 31,121 30,401 29,093 27,916 32,085 27,916Gross NPA (%)3.29 3.06 2.82 2.65 2.42 3.29 2.42Net NPA5,209 5,102 5,067 5,017 4,768 5,209 4,768Net NPA (%)0.55 0.51 0.48 0.47 0.42 0.55 0.42Recovery in D/L ( c )432 486 553 332 361 892 693Recovery in TWO (d)913 667 1,567 743 740 1,763 1,483Recovery in Expenditure (e)28 43 27 39 33 62 72Upgradation in TWO a/c (f)72 18 13 6 16 83 21Total Recovery(incl. TWO) (g= a+b+c+d+e+f)3,621 2,908 3,816 2,312 2,692 6,284 5,004Delinquency Ratio(%)0.91 0.79 0.85 0.82 0.72 0.95 0.78PCR%95.13 95.13 95.03 95.05 95.20 95.13 95.20Amounts have been reclassified wherever required to match with current year’s classification17/30 Businessat a Glance Financialsat a Glance Asset Quality & Capital AdequacyFinancial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 18
Sectoral Asset QualitySegmentSlippages During Outstanding NPA as on Gross Sectoral NPA (%)Sep-25 (3M)Dec-25 (3M)Mar-26 (3M)Jun-26 (3M)Sep-26 (3M)Sep-25 (3M)Dec-25 (3M)Mar-26 (3M)Jun-26 (3M)Sep-26 (3M)Sep-25 (3M)Dec-25 (3M)Mar-26 (3M)Jun-26 (3M)Sep-26 (3M)Retail Loans402 3833703753522,688 2,6712,5132,2912,2321.13 1.090.990.890.84Home Loans205 198 2022011781,274 1,233 1,2231,1861,2131.26 1.18 1.141.081.06Vehicle Loans46 44 424547314 323 3263283291.29 1.23 1.151.091.04Education Loans22 20 262422327 320 3182972971.87 1.80 1.751.641.59Mortgage Loans14 17 131213120 108 7943380.72 0.62 0.440.240.20Personal Loan30 29 242826102 119 11276810.93 1.14 1.020.660.68Others84 75 636566551 568 454361274 0.81 0.83 0.660.530.29Agriculture Loans809 55274273562714,327 14,16313,96113,71513,0208.51 8.087.617.496.86Small and Marginal Farmers515 422 4956124658,775 8,699 8,6928,8608,5448.76 8.82 8.699.098.68Other Agriculture293 130 2471231625,552 5,464 5,2694,8554,4768.14 7.13 6.325.664.90MSME Loans765 7288959498036,523 6,6266,8636,9756,7544.42 4.244.244.153.74Micro593 483 6496995324,569 4,630 4,8675,1045,0415.71 5.51 5.595.775.37Small114 198 1502021591,083 1,172 1,1461,1691,0432.81 2.83 2.612.451.96Medium58 47 9648112871 823 8507026703.02 2.68 2.742.182.01Large Corporates & Others175 190 94981278,547 7,661 7,0646,1125,9102.03 1.741.471.251.14Total2,151 1,853 2,1022,157 1,909 32,085 31,121 30,401 29,093 27,916 3.29 3.06 2.82 2.65 2.4218/30 ₹ in crore Businessat a Glance Financialsat a Glance Asset Quality & Capital AdequacyFinancial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 19
Sectoral Asset QualityRestructuringSegmentRF 1.0 as on RF 2.0 as onSep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26MSME505 468 431 414 394620 586 553 517 474Retail Loans1,007 979 923 885 7812,914 2,821 2,657 2,538 2,243Agriculture Allied-- -- -- -- --101 97 94 88 73Corporate Loans 2,901 2,890 2,811 2,676 2,526 -- -- -- -- --Total4,413 4,337 4,165 3,975 3,7013,635 3,503 3,304 3,143 2,790SMA Position (Rs. >5 crs)CategoryO/s AmountSep-25 Dec-25 Mar-26 Jun-26 Sep-26SMA-02,678 1,470 1,502 947 574SMA-1434 739 1,522 278 370SMA-22,522 2,076 809 1,157 1,338Total5,634 4,285 3,833 2,382 2,28219/30 ₹ in crore Businessat a Glance Financialsat a Glance Asset Quality & Capital AdequacyFinancial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 20
17.0716.4918.1018.4617.9414.3713.9415.6916.3816.051.491.431.471.141.12Sep-25 Dec-25 Mar-26 Jun-26 Sep-26CRARCET ITier II Board Approved Capital Plan (FY27) Rating / Outlook by Rating AgenciesRating Agency AT-1 Tier-II Rating DateCRISIL AA+/Stable AAA/Stable 11.12.2025ICRA -- AAA/Stable 26.03.2026India Ratings AA+/Stable AAA/Stable 16.01.2026CARE AA+/Stable AAA/Stable 07.10.2026Brickwork -- AAA/Stable 18.09.2026Equity AT-1 Tier-2 TotalBoard Approved Plan 3,000 5,000 8,000₹ in crore Domestic InternationalRating Agency Issuer Rating Rating DateS&P Global Ratings BBB/Stable 06.10.2026Fitch Ratings BBB-/Stable 25.02.2026S.No. ParameterSep-25 Mar-26Jun-26 Sep-261. Tier I1,12,966 1,26,557 1,32,099 1,34,2732. Tier II10,809 11,201 8,702 8,9123.Total Capital(Tier I+II) 1,23,775 1,37,758 1,40,801 1,43,1854. RWA7,24,948 7,61,160 7,62,673 7,98,059₹ in crorein % 20/30 Capital Adequacy FY-2518.02%FY-26 18.10%FY-2316.04%FY-24 16.97% CRAR ESG RatingRating Agency Issuer Rating Rating DateCARE Ratings CareEdge-ESG 1+ 17.02.2026FY-251,26,825FY-26 1,37,758FY-2392,778FY-24 1,12,689 Total CapitalQ2FY27 17.94%Q2FY27 1,43,185 Businessat a Glance Financialsat a Glance Asset Quality & Capital AdequacyFinancial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 21
34936037037739294971011031075355586063Sep-25 Dec-25 Mar-26 Jun-26 Sep-26PMSBYPMJJBYAPY1386414498159641594416671333 337 340 345 349Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Balance in PMJDY A/c ( Rs. in Cr)Total PMJDY Accounts (No. in Lakhs) Inclusive GrowthGovernment Schemes SchemeNo. of AccountsAmount Sanctioned(₹ in crore)PMSVANidhi 11,65,488 1,897PM Vishwakarma (during Q2FY27) 1,804 17Pradhan Mantri Employment Generation Program (PMEGP) during Q2FY27791 99Union Guaranteed Emergency Credit Line 4,39,246 31,860Pradhan Mantri Mudra Yojana (during Q2FY27) 1,80,031 6,174PM Surya Ghar Muft Bijali Yojana (during Q2FY27) 37,028 698PMSBY & PMJJBY Claim Settlement Q2FY26Claims SettledSchemeSep-25 (3M)Dec-25 (3M)Mar-26 (3M)Jun-26 (3M)Sep-26 (3M)PMSBY 888 843 1,136 898 457PMJJBY 1,760 1,856 1,986 1,753 1,83021/30PMJDY Accounts Performance under Social Security Schemes(# Lakhs) Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 22
Union Sudarshan 22/30 Union Sudarshan is Union Bank of India's first centralized fully automated banking intelligence hub, a unified nerve-centre that continuously watches over the Bank's Business, Operations, Risk,Compliance, Employee Support, Physical Security, Cyber Security and Technology landscape, from a single location, 24×7.Key Highlights Strategic BenefitsFirst centralised banking intelligence hub7 pillars, 240+ use cases24x7 round-the-clock vigilanceHub-and-spoke operating modelSimplified user interfaceIntelligence LayerSelf-learning thresholdsRed/Amber/Green alert gradingReal-time auto-escalationIn-house developed100% on-premises60+ human resource at hubAI-agent roadmap aheadBank-wide single viewEarly risk detectionFaster, data-driven decisionsAlways-on compliance oversightStronger regulatory confidenceHigher ATM, digital uptimeQuicker cyber threat responseOptimised resources, fewer false alertsEnhanced staff safetyFull data controlBetter customer experience Hub and Spoke Operating Model Hub : Mumbai (Staff - 75)Spoke : Mumbai, Hyderabad Mangalore, Bengaluru (Staff –64) Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities
Page 23
23/30 Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessCustomer Experience & Service ExcellenceUnified Customer view and seamless, integrated banking serviceCustomer 360- DashboardOne view of customer relationship; Faster and personalized serviceCredit CardDashboardComplete Credit Card details within CBSQuick Remittance FacilitySingle screen interface for NEFT/RTGS, RD opening.Smart Lock/Kill SwitchCustomer Controlled alternate channels for better security.Seamless Digital JourneysFaster, Simplified journeys to acquire and deepen relationshipsSTP Gold loanSeamless digital process for Existing and New Customers.STP Dairy LoanEnd-to-end digital journey for faster and simplified lending.Self Serve FDOnline Fixed Deposit opening journey for New CustomersCA OpeningE2E Current Account Opening by fetching data in real time through NeSLintegrationData & insights for Market ExpansionGeo Intelligence – Pin code360 business All Round AppEnhanced insights for customer profiling, catchment analysis and cross-sell opportunities.Revamped My-Diary PortalPin code level market intelligence and business potential mapping.Collaboration, Governance & Employee UpskillingAutomation, monitoring and stronger internal controlsOffice Note Automation SolutionAutomated office note processing for faster approvals.Credit Proposal Tracking Management SystemEnd-to-end tracking and monitoring of credit proposalsLearning & UpskillingUpskilling and senior management through e-learning courses on bank’s platform. 11 141213 Insta ODE2E STP introduced for overdraft against deposits. 14 New Initiatives Launched in Q2 FY 2026-27Awards & AccoladesGroup EntitiesData and Analytics enabling better business opportunities for the Branches and other functional units
Page 24
24/30 Technology – Outcome of Initiatives Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing Business Digital Agri Cattle Term Loan (Dairy)Insta OD for IndividualsKisan Credit Card (up to ₹ 10.00 Lakh)Gold Loan Online Dormant to Active Account ActivationAtal Pension Yojana - DigitalOnline Fixed Deposit for New to Bank CustomersSmart Lock & Kill Switch on Union ease & Union eBiz App. Seamless Customer First Journeys Digital Initiatives in Q2 FY 2026-27 Digital Channels Digital Liability Journeys10 lakh+new users registered on Union Ease App50,000+Users registered on CBDC Platform ₹21,000+Users Onboarded on Union ebiz Digital Business generated ₹ 740 Cr+Retail Loans ₹ 490 Cr+MSME Loans₹ 7,100 Cr+Deposits₹ 150 Cr+Agriculture 9,40,000+A/cs₹ 1,900 Cr+Digital CASA Accounts opened in Q2 FY 2026-272,50,000+ A/cs₹ 7,100 Cr+Digital Deposit (TD) accounts opened in Q2 FY 2026-271,85,000+₹ 40 Cr+Third Part Products through Digital Channel(MF & Insurance) in Q2 FY 2026-27(Q2 FY 2026-27) Digital Business in Q2 FY 2026-27Q-o-Q Growth: ↑23 % ↑79 % ↑53 % ↑9 % (Q2 FY 2026-27)(Q2 FY 2026-27) Awards & AccoladesGroup Entities
Page 25
Ecosystem Banking VerticalPillars of Ecosystem C aptureBuilding deeper relationships across institutions, businesses and individuals C AS A AcquisitionAcquisition and balance deepening Transaction BankingPayments, collections, integration and channel finance Wealth Manag em entInsurance, MF , retirement and protection IN S TITU TIO N A L BU S IN ES SGovernment, PSU, corporate and public ecosystems RETA IL BU S IN ES SEmployees, youth, pensioners and premium customers Governm ent BankingTreasury • SNA/CNA • Land AcquisitionGram Panchayat • RERA • Judicial/MACT • DBT A nchor RelationshipsGovernment bodies • PSUs • Corporates • Education • Healthcare • MSME clusters Payment Integ rationCAPS/CMS • API Banking • Client portals • Collections • MIS • Reconciliation Transaction FlowsO perational balances • Vendor payments • Dig ital collections • Channel Finance • Settlements N ew-ag e FlowsProgrammable CBDC • Virtual accounts • NACH / Direct Debit • Recurring payments Institutional WealthK eyman • Group insurance • General insurance • Gratuity • Pension • Employee benefits S alary BankingSalary packages • Employee onboarding • Family banking Prem ium S aving sPremium SB variants • ActivationRetention • Balance deepening A ncillary BusinessPromoters’ CASA • Employee salary accounts • Cross-sell opportunities Wealth M anag em entLife • Health • General InsuranceMutual Funds • SIPs • Financial planning Prem ium C urrent A ccountsPremium CD solutions • RetentionRelationship deepening • W allet share Pensio n & M and atesPension accounts • Life certificate support • NACH / SI • Recurring paymentsAcquire the relationship Capture the flows Deepen the ecosystem Build long-term value 10 Ecosystem Hubs | 118 Ecosystem Business C entres | Pan-India C overag e Ecosystem Banking Vertical Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessAwards & AccoladesGroup Entities 25/30
Page 26
Union Bank of India Group Structure, Holdings and Net Profit (Q2FY27)8 GROUP ENTITIES■Subsidiaries■Joint ventures■Associate100%SUBSIDIARYUnion Bank of India (UK) Ltd.Geographical benefits in booking business in UK and Europe.100%SUBSIDIARYUnion Asset Management Co. Pvt. Ltd.Wholly owned subsidiary of Bank.AUM of Rs. 28,029 Crores.100%SUBSIDIARYUBI Services Ltd.Pan India presence.Sourcing retail loans like Housing,Mortgage, Education, Vehicle loans& MSME loans for parent Bank.100%SUBSIDIARYAndhra Bank Financial Services Ltd.Carry on activities/business ofLeasing, Hire purchasing andMerchant Banking.100%SUBSIDIARYUnion Trustee Co. Pvt. Ltd.Acts as a trustee company for variousschemes of Union Mutual Fund to belaunched by Union Asset ManagementCompany Pvt. Ltd.25.10%JOINT VENTUREStar Union Dai-ichi Life Insurance Co. Ltd.One of the fastest growing private lifeinsurance companies in India.Undertaking social responsibilitycovering lives under PMJJBY.27.30%JOINT VENTUREASREC India Ltd.Ensures greater efficiency in resolvingthe NPAs through approval of cases atDRT.35.00%ASSOCIATEAndhra Pradesh Grameena BankCommitted to usher in prosperity &plenty by care concern to the financialneeds of cross section of ruralpopulace of Andhra Pradesh. Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Group Entities Performance Highlights Awards & Accolades Pan India Presence New Initiatives/ Ease of Doing Business Subsidiaries & Joint Ventures 26/30 Net ProfitQ2FY273.31Net ProfitQ2FY2710.99Net ProfitQ2FY2713.63Net ProfitQ2FY270.59Net ProfitQ2FY270.03Particulars Q2FY27Net Profit15.59Our Share3.91Particulars Q2FY27Net Profit2.62Our Share0.71Particulars Q2FY27Net Profit601.72Our Share210.60 ₹ in crore
Page 27
Ǒदनांक 14 ͧसतंबर, 2026 को ͧसडको, नवी मुंबई वाशी मɅ आयोिजत Ǒहंदȣ Ǒदवस एवं छठे अͨखल भारतीय राजभाषा सàमेलन मɅआदरणीय Įी आशीष पाÖडेय, Ĥबंध Ǔनदेशक एवं सीईओ महोदययूǓनयन बɇक èटॉल पर माननीय गृह एवं सहकाǐरता मंğी का èवागत करते हुए। Union bank ofIndia hasemerged as oneof the Winners inPMFME Conclaveat India HabitatCentre, NewDelhi on 25 Aug2026 by Ministryof FoodProcessingIndustries (MoFPI) Union Bank ofIndia has beenawarded rank 3rdin EASE 9.0Q1FY27performance inoverall rankingamong all 12 PSBbanks Ǒदनांक 14 ͧसतबर, 2026 को ɩठे अͨखल भारतीय राजभाषा सàमेलन मɅ बɇक ɮवारा Ĥकाͧशत कȧ जाने वालȣ ͪवͪवध आयाम शृंखला पुèतक कȧ 15वीं पुèतक “कारोबार सवȾपǐर,अनुपालन Ǔनरंतर” का ͪवमोचन ͩकया गया।Ǒदनांक 14 ͧसतबर, 2026 को ɩठे अͨखल भारतीय राजभाषा सàमेलन मɅ माननीय गृह एवं सहकाǐरता मंğी के कर कमलो से आदरणीय Įी आशीष पाÖडेय, Ĥबंध Ǔनदेशक एवं सीईओ महोदय “ख ¢ेğ” मɅ बɇक के Ǒहंदȣ पǒğका यूǓनयन सृजन को ĤाÜत ĤǓतिçठत कȧǓत[ पुरèकार Ēहण करते हुए। 27/30 Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Awards & Accolades Performance Highlights Pan India Presence New Initiatives/ Ease of Doing Business Group Entities The Bank hasreceivedCertificate ofExcellence for“Best RetailBank of India”during NavbharatBFSI conclave2026 held on 9thSeptember 2026. Awards & Accolades
Page 28
Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Awards & Accolades Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessGroup Entities 28/30
Page 29
Businessat a Glance Financialsat a Glance Asset Quality & Capital Adequacy Financial Inclusion Awards & Accolades Performance Highlights Pan India Presence New Initiatives/ Ease of Doing BusinessGroup Entities 29/30
Page 30
DisclaimerExcept for the historical information contained herein, statements in this presentation which contain words or phrases such as “is”,“aims”, ‘will’, ‘would’, ‘indicating’, ‘expected to’ etc., and similar expressions or variations of such expressions may constitute‘forward-looking statements’. These forward-looking statements involve a number of risks, uncertainties and other factors that couldcause actual results to differ materially from those suggested by the forward looking statements. These risks and uncertainties include,but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth andexpansion in business, the impact of any acquisitions, the adequacy of our allowance for credit losses, technological implementationand changes, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposureto market risks as well as other risks. Union Bank undertakes no obligation to update forward-looking statements to reflect events orcircumstances after the date thereof.Please provide your valuable feedback@ icmt.unionbankofindia.co.in/investor feedback Investor Queries : investor.relations@unionbankofindia.bank.inTHANK YOU 30/30 Followers:Please follow us on: 42,02,6796,50,7472,26,3234,48,0003,40,52461,800