UNIONBANKNSEOctober 30, 2025

Union Bank of India

4,816words
2turns
0analyst exchanges
0executives
Key numbers — 40 extracted
₹ 22.10
Strategic Initiatives / Outcome Cyber Security Group Entities & Awards Global Business mix – ₹ 22.10 Trillion 8.7% Share among PSBs in Business*  Advances: ₹ 9.75 Trillion  Deposits : ₹ 12.35 Tril
8.7%
atives / Outcome Cyber Security Group Entities & Awards Global Business mix – ₹ 22.10 Trillion 8.7% Share among PSBs in Business*  Advances: ₹ 9.75 Trillion  Deposits : ₹ 12.35 Trillion 8,655 Br
₹ 9.75
s & Awards Global Business mix – ₹ 22.10 Trillion 8.7% Share among PSBs in Business*  Advances: ₹ 9.75 Trillion  Deposits : ₹ 12.35 Trillion 8,655 Branches & 9,064 ATMs Branches Share  Rural (30%) 
₹ 12.35
x – ₹ 22.10 Trillion 8.7% Share among PSBs in Business*  Advances: ₹ 9.75 Trillion  Deposits : ₹ 12.35 Trillion 8,655 Branches & 9,064 ATMs Branches Share  Rural (30%)  Semi-urban (29%)  Urban (20%
30%
₹ 9.75 Trillion  Deposits : ₹ 12.35 Trillion 8,655 Branches & 9,064 ATMs Branches Share  Rural (30%)  Semi-urban (29%)  Urban (20%)  Metro (21%)  Overseas Branches in Dubai & Sydney   Ba
29%
eposits : ₹ 12.35 Trillion 8,655 Branches & 9,064 ATMs Branches Share  Rural (30%)  Semi-urban (29%)  Urban (20%)  Metro (21%)  Overseas Branches in Dubai & Sydney   Banking subsidiary in
20%
35 Trillion 8,655 Branches & 9,064 ATMs Branches Share  Rural (30%)  Semi-urban (29%)  Urban (20%)  Metro (21%)  Overseas Branches in Dubai & Sydney   Banking subsidiary in London, United
21%
,655 Branches & 9,064 ATMs Branches Share  Rural (30%)  Semi-urban (29%)  Urban (20%)  Metro (21%)  Overseas Branches in Dubai & Sydney   Banking subsidiary in London, United Kingdom JV i
1.90%
tities & Awards Deposits Advances RAM Capital Asset Quality Operating Performance (Sep-25 Q) 1.90% YoY 4.99% YoY 8.14% YoY Deposit growth Credit Growth Growth in RAM advances CRAR 17.07% CET-
4.99%
ards Deposits Advances RAM Capital Asset Quality Operating Performance (Sep-25 Q) 1.90% YoY 4.99% YoY 8.14% YoY Deposit growth Credit Growth Growth in RAM advances CRAR 17.07% CET-1 14.37% G
8.14%
its Advances RAM Capital Asset Quality Operating Performance (Sep-25 Q) 1.90% YoY 4.99% YoY 8.14% YoY Deposit growth Credit Growth Growth in RAM advances CRAR 17.07% CET-1 14.37% GNPA 3.29% N
17.07%
5 Q) 1.90% YoY 4.99% YoY 8.14% YoY Deposit growth Credit Growth Growth in RAM advances CRAR 17.07% CET-1 14.37% GNPA 3.29% NNPA 0.55% PCR 95.13% CRAR 17.13% (Sep-24) Improved by 107 bps YoY CET–
Risks & concerns — 1 flagged
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.
— Programmable CBDC
Advertisement
Speaking time
UPI
1
Programmable CBDC
1
Opening remarks
UPI
 UPI mandate Service (UPI Autopay or e-mandate) with single block multiple debit service.  Auto-replenishment of Fastag and NCMC balance without PDN (pre-debit notification). 20 Overview Highlights Business Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Strategic Initiatives / Outcome Cyber Security Group Entities & Awards Vyom 2.0 Transformation to next-gen Applications Revamped Vyom 2.0 Key Initiatives ₹e CBDC (Digital e₹) New journeys & redesigned app – 400+ Features (covering 30+ journeys, 50+ services) with revamped customer experience (with accessibility enables & dynamic background) – Reimagined payment option & home page with quick access from bottom navigation ₹ Drop-off management orchestration & resume digital journeys – flexibility to customer resume journeys post drop-off Seamless migration from Vyom 1.x to Vyom 2.0 without the need to re-register – User registration is preserved, avoiding re-registration as an “Auto App Upgrade” Launch of Digital
Programmable CBDC
• Sponsor Level Programmability • User Level Programmability PIN Less Transaction upto ₹500 in Retail Users Reimbursement of Staff benefits into Digital Rupee Wallet Wholesale CBDC – Tokenization for Certificates of Deposits (CDs) Users registered on CBDC platform Merchants on- boarded on CBDC platform 21 Overview Highlights Business Financials Asset Quality & Capital Adequacy Financial Inclusion & ESG Strategic Initiatives / Outcome Cyber Security Group Entities & Awards Outcome of Various Digital Initiatives 24%24% YoY growth in Fixed Deposits amount sourced digitally 62 Lac+ ~1.41x ~1.41x Gold Loan Accounts sanctioned digitally YoY growth in Fresh KCC accounts sanctioned digitally Cumulative Cumulative 99% 94% ~1.81x MSME Renewal for Rs. <10 lacs through STP Retail accounts reviewed digitally YoY growth in loan accounts renewed digitally ~1.47x ~1.18x ~3.60x YoY growth in LAD Accounts opened digitally YoY growth in amount sanctioned under Shishu Mudra STP YoY growth in Union 0.43 Ed
Advertisement
← All transcriptsUNIONBANK stock page →