#1350+ Services 回国 SVYOM Scan to know more Vyom App Union Nari Shakti STP Union Green Miles यूनियन ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank G2 of A Government of India Undertaking "H2023 INDIA Investor Presentation Financial Results Q1FY24 Scan to know more ex 10 20 500 e-Rupee Union Education Premier Abroad Loan Digital KCC Union Shishu Mudra STP#2VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking Overview Guidance Q1 Highlights Global Business mix - ₹ 19.46 Trillion Advances: 8.18 Trillion Deposits 11.28 Trillion 8,561 Branches & 10,195 ATMs Branches Share Business Rural (30%) Urban (20%) ■ Semi-urban (29%) ■ Metro (21%) Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome EASE ☐ G20 2023 INDIA Overseas Branches in Dubai, Sydney & Hong Kong ◉ Banking subsidiary in London, United Kingdom JV in India International Bank (Malaysia) 17,000+ Business Correspondents 218+ Million Customers 75,300+ Employees 8 Group Entities 2.24 Product per Customer Awards 5th Largest PSB in Business Mix* 9.5% Share among PSBs in Business* Shareholding (%) 1.46 S FII DII 8.22 6.83 Public Govt. of India 83.49 Centralized Processing Centres 135 MSME Loan Points 105 Union MSME First Branches 160 Retail Loan Points & 48 Agriculture Loan Points 1,570 Gold Loan Points 9 SAMBS & 30 ARBs *As of Mar-23 18 LCBS & 56 MCBs 2#3VYOM Overview Guidance Q1 Highlights Business यूनियन बैंक भारत सरकार का उपक्रम Union Bank of India A Government of India Undertaking G20 2023 INDIA Guidance vs Actuals Key Parameters Mar-24 (Guidance) Jun-23 (Actual) Advances Growth (YoY) 10 - 12% 12.33% Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome EASE Deposits Growth (YoY) NIM % GNPA % Slippages 8-10% 13.63% ~3.00% 3.13% < 6.00% 7.34% ~ Rs. 12,000 Cr Rs. 3,241 Cr Recovery ~ Rs. 16,000 Cr Rs. 3,564 Cr Group Entities Awards 3#4VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Strong Operating Performance Overview Guidance Q1 Highlights Deposits RAM Lil Advances Operating Profit Net Profit A ཏྟཱ་ Business 13.63% YoY 14.92% YoY 12.33% YoY * 7,179 Cr * 3,236 Cr Deposit growth Robust growth in RAM advances Consistent & Sustained Credit Growth Increased by 31.79% YoY Increased by 107.67% YoY Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Margins Efficiency Profitability Resilience Asset Quality NIM 3.13% NII Rs. 8,840 Cr Credit Cost 0.97% Cost to Income 43.66%: اتا ROA 1.00% ROE 18.97% CRAR 15.95% CET-1 12.34% PCR 90.86% GNPA 7.34% NNPA 1.58% Increased by 13 bps YoY Increased by 16.59% YoY Improved by 105 bps YoY Improved by 395 bps YoY Improved by 47 bps YoY Improved by 745 bps YoY Improved by 153 bps YoY Improved by 166 bps YoY Improved by 611 bps YoY Improved by 288 bps YoY Improved by 173 bps YoY 4#5VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA in crore Robust & diversified Credit Growth Overview Composition% Particulars Jun-22 Mar-23 Jun-23 YOY(%) Particulars Guidance Gross Advances 7,28,635 8,09,905 8,18,457 12.33 Retail Q1 Highlights Agriculture - Domestic 7,09,904 7,85,302 7,93,448 11.77 MSME Business - Overseas 18,731 24,603 25,009 33.52 LC & Others Jun-22 Mar-23 Jun-23 YoY(%) 1,39,410 1,59,702 1,62,373 1,35,503 1,51,993 1,53,615 13.37 1,11,195 1,25,022 1,27,745 14.88 3,42,527 3,73,188 3,74,724 16.47 56% 44% 9.40 ■ RAM ■LC & Others Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Retail % 18.0 Consistent & sustained growth in RAM Advances Retail-Bureau Scores (%) 3 Education Loans Gold Loans 36234 7.1 39 TIIT 49.6 8 9829 8.8 58 7373 6.1 10.4 55413 ■ Home Loans ■ Vehicle Loans ■ Education Loans Awards ■ Personal Loans ■ Mortgage Loans ■ Others Jun-22 Jun-23 Jun-22 Jun-23 ■>=750 ■ 700-749 ■ <700 L 33.31% YOY 52.93% YOY LO 5#6VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम Overview S Union Bank of India A Government of India Undertaking G20 2023 INDIA Credit to Industries (% Share in Domestic Advances) in crore Rating-Corporate Loans (>25 Cr) Guidance S No Sectors Jun-22 Jun-23 In Crore % Share *In Crore % Share Q1 Highlights 8 1 Infrastructure 1,11,414 15.69 1,02,812 12.96 12 -Power 48,438 Business 44,340 -Govt. PSU 23,991 25,810 08 80 -Non-PSU 24,447 Financials 18,530 -Road 19,994 22,654 - - НАМ 2,866 4,074 Asset Quality ■ BB & Below ■ BBB ■ A & Above 2 NBFCs and HFCs 92,540 13.04 1,07,795 13.59 Capital - HFCS 31,925 34,982 Adequacy -PSU & PSU Backed NBFCs 27,605 34,176 NBFC -Rating Profile of Standard Exposure Fin. Inclusion & -Pvt. NBFCs 33,010 38,637 ESG 3 Basic Metals 23,300 3.28 24,039 3.03 Strategic 4 Petroleum/Coal/Nuclear 12,172 1.71 8,044 1.01 Initiatives/Outcome 5 Food Processing 20,362 2.87 22,585 2.85 23 2 6 23 Group Entities 6 Chemical & Chemical Products 15,757 2.22 17,971 2.26 7 Textiles 16,312 2.30 16,884 2.13 69 Awards Total 2,91,857 41.11 3,00,130 37.83 ■ AAA AA A BBB & Lower 6#7VYOM Overview Guidance यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Deposit growth Particulars Jun-22 Mar-23 Jun-23 Y-o-Y(%) Liquidity Position in crore Particulars As on 30.06.23 Q1 Highlights Total Deposits 9,92,774 11,17,716 11,28,052 13.63 Business - Domestic Deposits 9,92,517 11,06,089 11,12,887 12.13 Avg. LCR Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities - CASA(%) 36.20 35.62 34.60 -160 bps NSFR Composition of Deposits (%) 27 73 Saving Deposits 299610 317994 359335 160.83% 141.61 % CASA Deposits 385084 Awards Jun-22 Jun-23 Jun-22 Jun-23 ■ CASA+ Retail TD ■Bulk Term Dep 7 6.14% YoY 7.17% YoY#8VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Investment Portfolio Overview Guidance Domestic Investments 3,55,635 3,40,828 3,45,370 3,49,040 24 26 Q1 Highlights 25 25 22 Business 76 74 75 78 Financials Asset Quality Capital Jun-22 Dec-22 ■ SLR Mar-23 ■Non SLR Jun-23 in crore Adequacy Particulars (Domestic) Jun-22 Dec-22 Mar-23 Jun-23 Jun-22 Dec-22 Mar-23 Jun-23 Fin. Inclusion & in crore M-Duration (%) ESG Strategic Initiatives/Outcome Available for Sale 89,533 65,086 65,189 80,934 0.89 1.34 1.32 1.19 -SLR 60,679 34,963 37,798 53,402 0.52 0.67 0.68 0.71 Group Entities -NON SLR 28,854 30,123 27,391 27,532 2.07 2.53 2.78 2.69 Awards 8#9VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Profit & Loss Statement in crore Overview Guidance Q1 Highlights Business Interest Income Interest Expense Net. Interest Income Parameter Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Y-o-Y 18,174 19,682 20,883 22,005 23,478 29.18 10,593 11,377 12,255 13,754 14,638 38.19 7,582 8,305 8,628 8,251 8,840 16.59 Non-Interest Income 2,817 3,276 3,271 5,269 3,903 38.57 Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Operating Income Operating Expenses Operating Profit Provisions Net Profit - · Fee based Income 1,679 1,602 1,710 1,699 1,947 15.98 - Treasury Income 385 433 471 608 775 101.24 - Recovery in W/O 503 1,003 1,090 2,954 692 37.65 10,399 11,581 11,899 13,520 12,743 22.54 4,951 5,004 5,280 6,696 5,564 12.38 5,448 6,577 6,619 6,823 7,179 31.79 3,890 4,729 4,374 4,041 3,943 1.36 1,558 1,848 2,245 2,782 3,236 107.67 9#10VYOM Overview यूनियन बैंक U Union Bank भारत सरकार का उपक्रम A Government of India Undertaking G20 2023 INDIA Guidance Q1 Highlights NPAS Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Provisions in crore Parameter Q1FY23 Q2FY23 Q3FY23 Q4FY23 FY23 Q1FY24 3,653 2,816 2,443 3,567 12,479 1,984 Provision on Non Performing Investments 671 -113 861 496 1,915 -107 Standard Assets -1,052 1,287 -290 -1094 -1,148 56 Taxation (including Deferred Tax Assets) 608 653 1,338 1,105 3,704 1,938 Others 9 86 22 -33 84 72 Total 3,890 4,729 4,374 4,041 17,034 3,943 Group Entities Credit Cost (%) 2.02 1.50 1.24 1.77 1.64 0.97 Awards 10#11VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G209 2023 INDIA Key Ratios Overview Net Interest Margin (NIM) % Cost & Yield Ratio (%) - Cost to Income Ratio (%) Gross Profit per Employee (in Cr) ■COD ■ YOA ■Yol Guidance Q1 Highlights 8.43 8.03 49.53 3.13 3.00 2.98 7.14 47.61 6.66 6.03 6.57 43.66 4.97 4.81 4.03 0.38 Business 0.36 0.29 Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Q1FY23 Q4FY23 Q1FY24 Q1FY23 Q4FY23 Q1FY24 Q1FY23 Q4FY23 Q1FY24 11.52 Return on Equity (ROE) % 18.97 17.50 0.53 Return on Avg. Assets % Book Value Per Share (in *) Price to Book Value 99.84 93.05 1.00 79.17 0.88 0.72 0.72 0.43 Q1FY23 Q4FY23 Q1FY24 Q1FY23 Q4FY23 Q1FY24 Q1FY23 Q4FY23 Q1FY24 11#12VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G209 2023 INDIA Movement of NPA in crore Overview Guidance Q1 Highlights Business Parameter Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Gross NPA Opening - 79,587 74,500 65,391 63,770 60,987 Add Additions 4,244 2,913 2,567 2,794 3,241 -Balance increase in existing NPA 685 211 262 107 209 -Fresh slippages 3,559 2,702 2,305 2,687 3,032 Less Reductions 9,331 12,022 4,188 5,577 4,124 Financials Asset Quality Capital Adequacy -Cash Recovery 1,481 2,160 1,702 1,934 1,166 -Up-gradation 1,202 1,263 1,237 964 1,001 -Write Off 6,648 8,599 1,249 2,679 1,957 Gross NPAs- Closing 74,500 65,391 63,770 60,987 60,104 , Fin. Inclusion & ESG Gross NPA (%) 10.22 8.45 7.93 7.53 7.34 Net NPA 22,392 19,193 16,195 12,928 12,138 Strategic Initiatives/Outcome Net NPA (%) 3.31 2.64 2.14 1.70 1.58 Group Entities Total Recovery(incl. TWO) 3,803 5,142 4,664 6,534 3,564 Delinquency Ratio (%) 2.67 1.80 1.45 1.51 1.73 Awards PCR% 84.75 86.61 88.50 90.34 90.86 12#13VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA in crore Overview Guidance Segment Slippages During Sectoral Asset Quality Outstanding NPA as on Sectoral NPA (%) Q1 FY 24 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Jun-22 Jun-23 Q1 Highlights Retail Loans 502 4,821 4,694 4,848 4,693 4,880 3.46 3.01 Business Agriculture 748 16,059 16,099 16,192 15,607 15,245 11.85 9.92 Financials MSME 766 20,211 19,131 16,604 15,652 15,489 17.62 12.12 LC & Others 1,225 33,409 25,467 26,126 25,035 24,490 9.85 6.54 Asset Quality Total 3,241 74,500 65,391 63,770 60,987 60,104 10.22 7.34 Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Restructuring SMA Position (Rs. >5 crs) RF 1.0 as on RF 2.0 as on Jun-22 Jun-23 Segment Jun-22 Jun-23 Jun-22 Jun-23 Category MSME 1,797 1,000 3,408 0/s Amount % to Gross advances 0/s Amount % to Gross advances 2,107 Personal Loans 3,297 2,543 6,469 5,482 SMA-0 2,393 0.33 1,390 0.17 Group Entities Agriculture Allied 331 225 SMA-1 416 0.06 362 0.04 Corporate Loans 5,938 5,014 SMA-2 1,044 0.14 2,427 0.30 Awards Total 11,032 8,557 10,208 7,814 Total 3,853 0.53 4,179 0.51 13#14VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking Capital Adequacy Ratio (%) G20 2023 INDIA RWA to Gross Advances (%) Overview 14.42 14.45 16.04 15.95 75.64 Guidance 71.76 72.09 71.42 Q1 Highlights 2.13 2.09 2.28 2.18 1.55 1.52 1.46 1.56 Business 12.36 12.34 10.68 10.71 Financials Asset Quality Jun-22 Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Dec-22 Mar-23 ■CETI ■AT I ■Tier II Jun-23 CRAR% Capital Raising Plan Jun-22 Dec-22 Mar-23 Jun-23 in crore Equity AT-1 Tier-2 Total Board Approved Plan 8,000 1,000 1,100 10,100 14#15VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Inclusive Growth Overview Guidance Priority Sector Lending Government Schemes Achieved RBI Benchmark Particulars (as % of ANBC) (as % of ANBC) Scheme No. of Accounts Amount Sanctioned (* in crore) Q1 Highlights Agriculture 18.00 18.50 PMSVANidhi 5,38,869 693 Business Small and Marginal Farmers 10.00 11.53 Micro Enterprises 7.50 9.13 Financials Weaker Section 12.00 12.45 Union Guaranteed Emergency Credit Line Union Personal Loan for COVID Treatment (UPLCT) 3,92,118 16,704 1,310 52 Women Beneficiaries 5.00 14.71 Asset Quality Total Priority 40.00 41.83 Pradhan Mantri Mudra Yojana (during Q1FY24) Performance under Social Security Schemes (# Lakhs) 2,57,420 5,007 Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards 9002 7827 284 68 51 236 181 46 26 30 249 Jun-22 Jun-23 PMJJBY PMSBY APY Balance in PMJDY A/c (Rs. in Cr) Total PMJDY Accounts (No. in Lakhs) ■Jun-22 ■Jun-23 15#16VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA ESG: Banking for Sustainable Development Overview Guidance Q1 Highlights Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Environmental to Credit facility Renewable Energy Sector-10,939 Crore 260 Crore Sanctioned under Union Green Miles Finance to MSME under TReDS # Bills discounted 68,947 of *8969 Cr Founding member of Indian Green Building Council (IGBC) Sustainable Development Business Responsibility Policy And Group Entities E Awards Social 30 RSETI Centres, trained 3.14 lakh people with Settlement Ratio of 67% Financed 41,076 Street vendors 68 Cr in Q1FY24 through PMSvanidhi Financed 2458 new SHGs ~43 Cr & adopted 61 Mandis in Q1 FY24 Union Nari Shakti: Sanctioned 6,538 applications of #617 Cr in Q1FY24 Donation through Union Bank Social Foundation 2.07 Cr under CSR S 8 Governance Policy on Compensation, Grievance Redressal and Customer Rights Policy 2023-24 Related Party Transaction Policy Whistle Blower Policy Corporate Communication Policy Policy on Sexual Harassment of Male Transgender at Workplace (Prevention, Prohibition Redressal) G and 16#17VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Initiatives Across Domains Overview Guidance Q1 Highlights Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards HR Empower Her/Power Him: Committee with a focus on gender centric issues ❖ 9 Union Learning Academies (ULA) to build specialized workforce Assignment of roles & KRAS through Role Clarity Tool Digital 40 Digital Journeys including KCC & Gold Loan STP Initiated Next establishing Generation State-of-Art Digital Contact Center Å Verticalization ✰ Transaction Monitoring Vertical to monitor EWS & Frauds Dedicated Transaction Vertical, Reconciliation Centre & National Processing Centre Asset Quality ✰ Feet on Leveraging network Street, BC for collections End-to-end digital solution for Wealth Management Vertical Recovery Management ✰ Corporate Relationship Cell Regional Collection ISO Analytics Centre of Excellence Centres, Call Centres ✰ Centralized Vendor ✰ CBDC made live for android and iOS users Triple ܀ Certification on IT Security (ISMS, BCMS & ERMS) and PCI-DSS Certification ❖ Revamped Payment Cell ✰ Retail Asset Vertical Customer Module Relationship 17#18VYOM यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम Overview 1 Guidance S Union Bank of India A Government of India Undertaking G20 2023 INDIA Customer Engagement & Experience • 40 digital journeys • 10+ new digital assets Human Banking & Conversational Al Omni-channel experience Hyper personalization Q1 Highlights • • Business • Financials Asset Quality Capital Adequacy 3 Future Ready Technology • Modern microservices based tech stack Fin. Inclusion & ESG • Next-gen digital contact center • Strategic Initiatives/Outcome Group Entities Awards Transforming the Bank Across 5 Key Themes ها 2 Advanced Analytics • Bank-wide data-lake to enable 100+ advanced analytics use cases Structured analytical development life cycle for long term implementation sustainable } Best-in-class customer relationship management platform LO 5 New Agile Way of Working • Revamped digital operating model • Agile, cross-functional teams • Capability building 4 Ecosystem & Partnerships • FinTech innovation hub with 90+ FinTechs Open API Banking Sandbox for quick testing & deployment RBI Innovation HUB Account Aggregators 18#19Union Bank ऑफ इंडिया of India VYOM भारत सरकार का उपक्रम A Government of India Undertaking G20 2023 INDIA Overview Guidance Q1 Highlights Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Segment-specific approach Conversational Al Building the Most Advanced Digital Banking Platform 350+ journeys to capture the end-to-end customer lifecycle Seamless Journey Hyper Personalization Consumer assets Retail & Agri customers BAN Mobile Business consumer assets MSME Corporate Corporate MSME CRM & digital- assisted asset for branch, MOS & DSAs UNIO Web Mobile ↑ ↑ Mobile Web Digital Platform with shared Omni-Channel Microservices Layer Advanced Analytics Use Cases powered in collaboration with ACOE 000 Integrated public utilities/ capabilities Ministry of Corporate Affairs Government of insa OCEN ONOC CHIL Income Tax Department Omni-channel Experience Digital Contact Center Embedded Finance ↑ Fintech and Ecosystem partners kore.al CHEGGOUT Nuclei yellow.ai SIGNZY mswipe. AADHAAR - Rs 20,000 a M Agile, Digital Operating Model 1999#20VYOM Overview Guidance Q1 Highlights Business यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S 65% Union Bank of India A Government of India Undertaking G20 2023 INDIA Outcome of Various Digital Initiatives 1 lac+ YoY growth in Fixed Deposits amount sourced digitally CBDC Retail User Registrations Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome EASE Group Entities 94% MSME Renewal for <10 lacs through STP Growth in LAD Accounts opened digitally Awards 81% 3rd Highest volume of UPI remittances processed among PSBs 22mn+ Retail accounts reviewed digitally Vyom registrations Pradhan Mantri 53% mudra 38% Yojna 31% Growth in amount sanctioned under Shishu Mudra STP Personal loan accounts Sanctioned digitally Quarterly Cumulative Cumulative 20#21VYOM यूनियन बैंक U Union Bank भारत सरकार का उपक्रम A Government of India Undertaking Overview Guidance Mobile Banking Users Q1 Highlights 213 225 201 174 Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards G20 2023 INDIA Digital Footprints Net Banking Users(Retail) (No. in Lakhs) Credit Card Users 6.71 6.45 75 74 5.75 5.52 72 69 Jun-22 Dec-22 Mar-23 Jun-23 Jun-22 Dec-22 Mar-23 Jun-23 Jun-22 Dec-22 Mar-23 Jun-23 Volume of Transactions (Q-0-Q) (No. in Lakhs) Mobile Banking UPI 16402 5845 6005 6045 14185 5286 12695 9916 Jun-22 Dec-22 Mar-23 Jun-23 Jun-22 Dec-22 Mar-23 Jun-23 21#22VYOM Overview यूनियन बैंक Union Bank of India भारत सरकार का उपक्रम A Government of India Undertaking G20 2023 INDIA Guidance Q1 Highlights Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards PAN India Presence: ❖ Footprints in 25 states, 117 Regional Offices Covering 127 locations Products Sourced: ❖ Housing Loan, Vehicle Loan, MSME Loan, P Gold Loan & Credit Card Services: Account Opening Back Office, Recovery & Collection, Feet on Street, Call Centres, CBS Helpdesk, Vendor Payment Centralized UBISL Workforce: 2700+ Employees UBI Services Ltd 000 We Dream For You 100% Subsidiary {0} Business & Cost Effectiveness: Added 43000+ new loan accounts during Q1FY24. Contributed new business of Rs. 1200+ Crores during Q1FY24. Variable ܀ and performance linked pay/incentives Value Added Services: Wealth Management Service, Builder tie-ups, Vehicle dealer tie-ups, Institutional Broking & Online Will writing 22#23VYOM Overview Guidance यूनियन बैंक ऑफ इंडिया भारत सरकार का उपक्रम S Union Bank of India A Government of India Undertaking G20 2023 INDIA Subsidiaries & Joint Ventures Profit After Tax Name of the Entity Holding (%) Q1FY23 Q1FY24 Subsidiaries Union Bank of India (UK) Ltd. 100.00% 5.64 12.49 Q1 Highlights Union Asset Management Co. Pvt. Ltd. 100.00% 0.77 4.33 Business UBI Services Ltd. 100.00% 0.40 (7.20) Financials Andhra Bank Financial Services Ltd. 100.00% 0.24 0.26 Union Trustee Co. Pvt. Ltd. 100.00% 0.05 0.03 Asset Quality Joint Ventures Capital Adequacy Star Union Dai-ichi Life Insurance Co. Ltd. 25.10% 7.37 16.24 Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards India International Bank (Malaysia) BHD 25.00% (1.89) 0.25 ASREC India Ltd. 26.02% 8.54 6.99 Associate Chaitanya Godavari Gramin Bank 35.00% 76.19 89.18 in crore Description ❖ Geographical benefits in booking business in UK and Europe. Sponsored by Union Bank of India & Dai-ichi Life Holdings, Inc. Crossed AUM of Rs. 10,000 Crores. Sourcing Retail loans like Housing, Mortgage, Education & Vehicle loans, MSME loans, Gold loans and Credit cards for parent Bank. ❖Carry on activities/business of Leasing, Hire purchasing and Merchant Banking Act as a trustee company for Union Mutual Fund One of the fastest growing private life insurance company in India. Pan-India presence through 161 Branch Office Undertaking social responsibility covering 85 lakhs+ lives under PMJJBY. ❖Undertaking banking business offering deposit & loan products to cater to needs and requirements of customers of Malaysia. Ensures greater efficiency in resolving the NPAs through approval of cases at DRT. Made recovery in 130 accounts during Q1FY24. Regional Rural Bank with 249 branches. ❖ Committed to usher in prosperity & plenty by care concern to the financial needs of cross section of rural populace in Guntur, East Godavari & West Godavari Districts. 23#24VYOM यूनियन बैंक Union Bank of India भारत सरकार का उपक्रम A Government of India Undertaking G20 2023 INDIA Awards and Accolades Q1 FY24 Overview Guidance Q1 Highlights Business Financials Asset Quality Capital Adequacy Fin. Inclusion & ESG Strategic Initiatives/Outcome Group Entities Awards Gold Category in BFSI for Union Prerna Project by SKOCH Awards Economic Times - Future Ready Organization 2023-24 Award Disability Positive Award 2023 by BW People 66 1st Rank in the category of Best Guarantee Coverage (Number)" for FY 2022-23 by CGTMSE Won 7 Infosys Finacle Innovation Awards 24#25SVYOM यूनियन बैंक U Union Bank भारत सरकार का उपक्रम A Government of India Undertaking G20 2023 INDIA Disclaimer Except 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 could cause 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 and expansion in business, the impact of any acquisitions, the adequacy of our allowance for credit losses, technological implementation and changes, the actual growth in demand for banking products and services, investment income, cash flow projections, our exposure to market risks as well as other risks. Union Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. THANK YOU Please provide your valuable feedback@ icmt.unionbankofindia.co.in/investor_feedback Investor Queries: [email protected] 25