UNIONBANKNSE14 November 2019

Union Bank of India has informed the Exchange regarding Investor Presentation

Union Bank of India

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Financial Results Q2 FY20 & H1 FY20

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November 14, 2019

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Business Performance

Financials

New Initiatives & Outcomes

Group Entities

Table of Contents

Snapshot as on September 30, 2019

Retail Advance 15.7%

Domestic Advance 2.5%

Global Business 7.3%

YoY Growth FY 20

CASA 6.4%

Total Business

` 769936 crore

Gross Advances

` 327057 crore

Total Deposits

` 442879 crore

Operating Profit(H1FY20)

` 4127 crore

Total Deposit 11%

Savings Deposits 5.9%

Basel III Tier I Ratio

Basel III Total CAR

Branches

ATMs

*Including 5586 Micro-ATM

12.83 %

15.14 %

4285

12384*

Business Performance - Liabilities

Total Deposit

399092

2207

396885

415915

2816

413099

442879

3435

(` crore)

11 % YOY

430015

3055

426959

439444

10.7% YOY

Sep-18

Mar-19

Jun-19

Sep-19

Domestic deposit

Overseas deposit

34.1%

35.3% 140815

CASA Portfolio 34.7% 34.4%

36.1% 150141

34.3% 146303

34.0%

33.8% 149833

118424

123628

123047

125380

22391

26513

23256

24452

Sep-18

Mar-19

Jun-19

Sep-19

Current Deposit

Savings Deposit

CASA(%)

Avg. CASA%

6.4 % YOY

5.9 % YOY

CASA+Retail TD as % of Total Domestic Deposit as of Sept-2019

24.6

75.4

CASA+RTD(< 2 crore)

Term Deposit(>=2 crore)

Business Performance - Assets

Gross Advances

(` crore)

318563

325392

321473

327057

2.7 % YOY

16556

302007

14460

14584

17608

310932

306889

309449

2.5 % YOY

Sep-18

Mar-19

Jun-19

Sep-19

Domestic Advances

Overseas advances

Retail

15.7% YOY

Agriculture

4% YOY

MSME

4.5% YOY

57092

57735

59335

51270

48971

47443

48206

46340

65936

67174

66160

68888

Sep-18

Mar-19

Jun-19

Sep-19

Sep-18

Mar-19

Jun-19

Sep-19

Sep-18

Mar-19

Jun-19

Sep-19

Diversified Loan Portfolio - RAM

RAM* share (%) in Domestic advances

Retail

54.2

55.7

55.8

57.0

28.2

3.4

7.9

6.0

7.0

47.4

Sep-18

Mar-19

Jun-19

Sep-19

*Retail, Agriculture and MSME collectively called as “RAM sector”

Home

Education

Personal

Vehicle

Mortgage

Others (incl. HFC+Staff loans)

Diversified Loan Portfolio - RAM

Composition of Agri loan book(%)

Sep-18

Mar-19

Jun-19

Sep-19

More than 64% of Agri. portfolio is for Small & Marginal farmers

Small & Marginal

Other Agri

Composition of MSME loan book(%)

74% of MSME portfolio is MSE

Sep-18

Mar-19

Jun-19

Sep-19

Micro

Small

Medium

Diversified Loan Portfolio-Industry Exposure

S No.

Sectors

(% Share in Domestic Advance)

Top Sector Exposure

Infrastructure

2 NBFCs and HFCs

w/w HFCs

Trade

Basic Metal Products

Construction

Food Processing

Textiles

8 All Engineering

Mar-19

Jun-19

Sep-19

` Crore

% Share

52200

38156

13134

39259

11967

12080

10658

7315

6202

53325

41563

13750

39942

11886

12074

10029

6923

5330

53367

43747

14491

37329

12134

10864

9575

7056

5417

17.2

14.1

4.7

12.1

3.9

3.5

3.1

2.3

1.8

Total

177837

181072

179489

58.0

Investments

Global Investment (` Crore)

130063

128415

142506

170781

Sep-18

Mar-19

Jun-19

Sep-19

SLR(%)

Non-SLR(%)

Particulars (Domestic)

Jun 2019

Sep 2019

Duration (Years)

(` Crore)

Jun-19

Sep-19

Available for Sale

56323

59445

2.14

2.74

W/w SLR

NON SLR

36157

20166

37641

21704

1.76

3.05

2.74

2.72

Overseas Operations

Business from Overseas Operations

US $ in billion (` crore)

Sep 2018

Jun 2019

Sep 2019

Growth (%)

Y-o-Y (US$)

Y-o-Y (INR)

Total Business

Total Deposits

Total Advances

2.6 (18764)

0.3 (2207)

2.3 (16556)

*1US$ = ` 65.28 as on Sep 30, 2018 #1US$ = ` 70.87 as on Sep 30, 2019

2.5 (17638)

2.9 (21043)

11.5

12.1

0.4 (3055)

0.4 (3435)

33.3

55.6

2.1 (14584)

2.4 (17608)

4.3

6.4

Progress under Pradhan Mantri Jan Dhan Yojana (PMJDY)

Financial Inclusion

Parameters Villages covered No. of BCs Sub Service Areas Urban Wards Accounts opened till Sep 30, 2019 Deposits RuPay Cards issued Aadhar Seeding

Total PMJDY Accounts (no. in Lacs)

107

101

Achievements of the Bank

18526 5537 5537 2581 107 Lakh ` 2453 Crore 65.63 Lakh 82.82 Lakh

Balance in PMJDY A/Cs (Rs. in Crs)

2404

2453

Mar-19

Jun-19

Sep-19

Mar-19

Jun-19

Sep-19

Progress under Government Initiatives

Total outstanding under Mudra loan: ` 6918 crore

Progress under Mudra Yojana April to September 2019 (PMMY)

Category

Shishu (< ` 50k) Kishor (Above ` 50k-5 Lakh) Tarun (Above ` 5 Lakh-10 Lakh)

Total

No. of Accounts 33793 44815 8365 86973

Sanctioned Amount (` crore) 58 955 654 1667

Outstanding Amount (` crore) 42 792 509 1343

Key Highlights of performance in TReDS

Crossed `1000 cr. of bill discounting on Nov 06, 2019 Total bill discounting upto Sept-2019 stood at `897 cr. Presence in all 3 TReDS platforms

Key Highlights of performance under psbloansin59minutes.com

Since inception, total 3352 applications have been sanctioned aggregating to ` 1349 cr. Total applications sanctioned to total received during H1FY20 stood at 71% (2nd among PSBs)

Statement of Assets & Liabilities

LIABILITIES

Capital

Reserves and surplus

Share application

Deposits

Borrowings

Other Liabilities and Provisions

Total

ASSETS

As at 30.09.18

As at 31.03.19

As at 30.06.19

As at 30.09.19

1169

24243

1763

24724

1763

24948

1763

23635

11768

399092

415915

430014

442879

44367

9349

42864

8773

33878

10978

40691

11260

478220

494039

501581

531996

Cash and Balances with Reserve Bank of India

18275

20796

18961

20090

(` crore)

Growth (%)

Y-o-Y Q-o-Q

50.8

-2.5

11.0

-8.3

20.4

11.2

9.9

7.3

0.0

-5.3

3.0

20.1

2.6

6.1

6.0

-13.1

Balances with Banks and Money at call and Short Notice Investments

Advances

Fixed Assets

Other Assets

Total

15872

22250

19603

17034

127143

293011

3744

20175

126047

296932

3762

24252

140059

293811

3771

25377

168714

297914

3763

24481

478220

494039

501581

531996

32.7

20.5

1.7

0.5

21.3

11.2

1.4

-0.2

-3.5

6.1

Business Performance

Financials

New Initiatives & Outcomes

Group Entities

Table of Contents

Cost & Yield Ratio

Parameters

Sep-18 (Q2)

Jun-19 (Q1)

Sep-19 (Q2)

H1 FY 2019

H1 FY 2020

Domestic Global Domestic Global Domestic Global Domestic Global Domestic Global

Cost of Deposit

5.54

5.52

5.63

5.61

5.68

5.66

5.54

5.51

5.65

5.63

Cost of Funds

4.98

4.87

4.96

4.93

4.79

4.76

4.94

4.84

4.89

4.86

Yield on Advances

Yield on Investment

7.96

7.71

7.96

7.81

8.10

7.89

8.07

7.80

8.03

7.85

7.17

7.09

6.89

6.83

7.08

7.03

7.04

6.97

6.96

6.91

Yield on Funds

6.99

6.88

6.95

6.87

7.00

6.89

7.02

6.89

6.99

6.90

Movement of NIM

NIM (on Avg. Earning Assets)

NIM : Quarterly

NIM (on AEA excl.GNPA)

2.18

2.38

2.27

2.17

2.12

2.44

2.35

2.44

2.54

2.36

2.61

Sep-18

Mar-19

Jun-19

Sep-19

Sep-18

Mar-19

Jun-19

Sep-19

NIM Domestic

NIM Global

Global

NIM (on Avg. Earning Assets)

2.26

2.22

2.31

2.24

NIM : Half-Yearly

NIM (on AEA excl.GNPA)

2.49

H1 FY 2019

H1 FY 2020

H1 FY 2019

H1 FY 2020

Domestic

Global

Net Interest Income

(` crore)

2494

2602

2519

2906

Sep-18

Mar-19

Jun-19

Sep-19

5120

5425

H1 FY 2019

H1 FY 2020

16.5% YOY

5.9% YOY

Operating Revenues

Parameters

Sep-18 (Q2)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

Growth (%) YoY

Growth (%) QoQ

H1 FY19

H1 FY20

Growth (%)

Interest Income

8539

8349

8898

9414

10.2

5.8

17240

18312

6.2

Interest Expense

6045

5748

6380

6508

7.7

2.0

12120

12887

6.3

Net Interest Income

2494

2602

2519

2906

16.5

15.4

5120

5425

6.0

Non-Interest Income

899

1272

990

1142

27.0

15.4

2107

2132

1.2

Total Income

9438

9621

9888

10556

11.8

6.8

19347

20444

5.7

Operating Expenses

1561

2143

1621

1809

15.9

11.6

3246

3430

5.7

Total Expenses

7606

7891

8001

8316

9.3

3.9

15366

16317

6.2

Non Interest Income

Parameters

Sep-18 (Q2)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

Growth (%) YOY

Growth (%) QOQ

H1 FY19

H1 FY20

Growth (%)

a. Core Non Interest Income

641

731

481

605

-5.6

25.8

1349

1087

-19.4

b. Treasury Income

153

266

345

379

147.7

9.9

441

724

64.2

W/w 

Profit on Sale of Investments



Exchange Profit

c. Recovery in Written off Accounts

Total

105

899

188

255

292

256.1

14.5

276

548

98.6

22.5

-3.3

166

177

6.6

138

145

158

50.5

9.0

317

303

-4.4

1271

990

1143

27.1

15.5

2107

2133

1.2

Operating Profit

Operating Profit(Quarterly)

(` crore)

2240

1832

1730

1887

Sep-18

Mar-19

Jun-19

Sep-19

Operating Profit(Half-Yearly)

3981

4127

H1FY19

H1FY20

22.3% YOY

3.6% YOY

Provisions

Parameters

Sep-18

Mar-19

Jun-19

Sep-19

(Q2)

(Q4)

(Q1)

(Q2)

(` crore)

H1 FY19

H1 FY20

NPAs

1710

5783

1431

3328

3513

4759

Standard Assets

Depreciation on Investment

Shifting Loss

146

-26

Restructured Advances

-229

-102

-98

570

-91

-21

173

411

-254

472

-13

117

151

Others (FITL etc)

Taxation

Total

-23

-667

143

-425

-293

-282

1693

5100

1662

3434

3712

5096

139

Sep-18

Net Profit

Net profit(Quaterly)

225

(` crore)

Mar-19

-3370

Jun-19

Sep-19

-1194

Net Profit(Half-Yearly)

269

H1FY19

H1FY20

-969

Efficiency/Profitability Ratios

Return on Avg. Assets (%)

0.17

0.11

Cost to Income(%)

55.3

46.0

46.2

44.7

44.92

45.39

Sep-18 (Q1)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

H1 FY19

-0.87

-2.71

H1 FY20

-0.37

Sep-18 (Q1)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

H1 FY19

H1 FY20

S. No.

Efficiency Parameters

Sep-18 (Q1)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

H1 FY 2019

H1 FY 2020

Return on Equity* (%)

3.11

-71.21

4.66

-16.54

3.00

-6.72

Book Value Per Share

153.09

107.36

109.38

96.94

153.09

96.94

Earnings per share

4.76

-28.19

5.09

-27.08

4.60

-11.0

*Annualized

Efficiency Ratios

Sn.

Profitability Parameters

Sep-18 (Q2)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

H1 FY 19

H1 FY 20

Business per Branch

Business per employee

Gross Profit per Branch

Gross Profit per Employee

` crore

166.8

172.7

175.3

179.7

166.8

179.7

` crore

18.9

19.9

20.0

20.3

18.9

20.3

` crore

1.6

1.8

2.1

1.8

1.9

` lacs

18.7

18.6

20.2

23.6

20.3

21.8

Asset Quality: Movement in Non Performing Assets

Parameters

Sep-18 (Q2)

Mar-19 (Q4)

Jun-19 (Q1)

Sep-19 (Q2)

Gross NPAs - Opening

50973

49713

48729

48812

Add : Additions

Less : Reductions

1. Recoveries

2. Up-gradation

3. Write Off

Gross NPAs- Closing

Gross NPA (%)

Net NPA

Net NPA (%)

2667

3483

1208

407

1868

3275

4259

762

650

2847

50157

48729

15.74

14.98

24657

20332

8.42

6.85

Provision Coverage Ratio (%)

57.66

66.24

Tangible PCR (%)

Credit Cost (%)

50.84

58.27

2.15

7.20

3090

3007

482

288

2237

48812

15.18

21231

7.23

65.88

56.50

1.77

4219

3181

624

679

1878

49850

15.24

20791

6.98

67.75

58.29

4.11

(` crore)

H1 FY 20

50157

7309

6188

1106

967

4115

49850

15.24

20791

6.98

67.75

58.29

2.92

H1 FY 19

49370

7319

6532

2460

778

3294

50157

15.74

24657

8.42

57.66

50.84

2.22

Asset Quality: Sectoral

Sectors

Slippages During Q2 FY 20

NPAs Sep 2019

(` crore)

Sectoral NPA %

Sep-18

Jun-19

Sep-19

Retail Loans

Agriculture

Micro & Small (MSE)

450

990

632

1637

2.49

2.44

2.76

5455

7.62

9.96

11.32

6856

12.21

13.4

Medium & Large

2147

35902

22.82

23.7

23.6

Total

4219

49850

15.74

15.18

15.24

Asset Quality: Sectoral

Scheme

5:25

SDR

S4A

*Account is Non-Fund Based

Standard as on Jun 2019

Standard as on Sep 2019

Account

Amount (Rs. in crore)

Account

Amount (Rs. in crore)

2795

2680

S.N.

Sector #

Outstanding

NPA

Std. Restructured NPA + Std. Restructured (%)

Infrastructure

Power

Roads

Iron & Steel

Textiles

3 #Domestic

53367

24485

8450

9850

7056

11818

6164

2419

4768

1987

1235

408

785

24.5

26.8

37.9

49.4

28.7

Particulars (percent to Gross Advances)

Sep-18

Jun-19

Sep-19

Standard Restructured

Impaired Assets Ratio (GNPA + Standard Res)

Net Impaired Assets Ratio (NNPA + Standard Res)

0.41

16.1

8.1

0.52

15.7

7.1

0.50

15.7

6.9

Asset Quality - NCLT I & II

(` crore)

Particulars

list

Total

Exposure to number of accounts referred under IBC (as per RBI list)

Loan Outstanding as of Sep 30, 2019

6028

3624

9652

Total Provisions held upto Sep 30, 2019

4961

3016

7977

Provision Coverage Ratio as of Sep 30, 2019

82.30%

83.22%

82.65%

Basel III : Capital Adequacy

32119

278172

11.55

9.02

7.54

Sep-18

32796

278344

11.78 9.48

8.02

32644

285586

11.43

9.27

44160 291613

15.14

12.83

7.87

11.46

CET-1

Mar-19 Tier1

CRAR

RWA

Capital funds

Jun-19

Sep-19

RWA Optimization

86.0

85.5

88.8

89.2

58.1

57.4

56.3

56.9

54.8

Jun-18

Dec-18

Mar-19

Jun-19

Sep-19

RWA to Advance

RWA to Assets

Shareholding Pattern

September-19

Share Capital

` 1763 crore

9.69%

13.10%

2.93%

Govt. of India

No. of Equity Shares

176.30 crore

FIIs

DIIs

Public & others

74.28%

Net Worth

` 28858 crore

Market Cap

` 9309 crore

Government of India has infused `11,768 crore during September-2019 quarter. The same has been treated as part of CET-1 as per RBI approval. However, the shares were not allotted during the quarter.

Extensive & specialized distribution network

Jammu & Kashmir (13) (15)

Chandigarh (10) (20)

Punjab (140) (140)

Haryana (110) (122)

Himachal Pradesh (20) (23)

Arunachal Pradesh (1) (1)

Meghalaya (5) (5)

Uttarakhand (84) (115)

Delhi (95) (222)

Sikkim (8) (7)

Rajasthan (144) (163)

Uttar Pradesh (934) (1372)

Bihar (161) (180)

Assam (69) (89)

Gujarat (270) (391)

Madhya Pradesh (288) (584)

Jharkhand (87) (98)

Nagaland (1) (1) Manipur (1) (1)

Mizoram (1) (2)

Odisha (136) (143)

West Bengal (185) (371)

Tripura (7) (10)

Dadra, Nagar Haveli (1) (2)

Daman & Diu (1) (2)

Maharashtra (505) (1225)

Telangana (82) (123)

Andhra Pradesh (187) (210)

Goa (15) (16)

Karnataka (164) (305)

Kerala (251) (349)

Tamil Nadu (237) (378)

Branch Distribution by Urbanization

METRO 21%

RURAL 29%

URBAN 20%

SEMI- URBAN 30%

59% branches in rural/semi-urban markets

Branch Distribution by Geography

Western 18%

Southern 22%

Northern 12%

Central 32%

Eastern 14%

N. Eastern 2%

Andaman & Nicobar (1) (1)

Pondicherry (4) (6)

Geographical diversification minimizes regional risks

 Extensive network across India

 Overseas branches in Hong Kong, Sydney and Dubai, in addition to representative

office in Abu Dhabi

 Operates in the UK through its wholly owned subsidiary, Union Bank of India (UK)

Ltd.

# Domestic Branches (4,282)

# ATMS (6798) # Micro-ATMS (5586)

 The Bank has 27 extension counters, 59 satellite offices and 48 service branches in

addition to its regular bank branches as of September 30, 2019.

Business Performance

Financials

New Initiatives & Outcomes

Group Entities

Table of Contents

New Initiatives & Outcomes

More than 70% of Credit Appraisal centralized

Structural Development: Creation of Centralized Processing Centres (CPCs)

Particulars

No of Units (Mar-19)

No. of Units (Sep-19)

Sectors covered

ULP

USK

SARAL

MCB

IFB

Retail (Housing and Mortgage Loan)

Retail, Agriculture and MSME

MSME, Agriculture (selected segment)

Mid Corporate

Large Corporate

Centralization in credit appraisals

% of credit proposals underwritten at CPCs

Retail

Agriculture

LC & MSME

Total

Sep-19

Rated Advances - Lending to higher rated borrowers…

Maintained rating profile of new retail loans sanctioned

New Initiatives & Outcomes

Rating Matrix of Outstanding Corporate Loans (> `5 crore)

`142547

` 168519

Mar-17

A & Above

BBB

BB & Below

Sep-19

` in crore

Retail CIBIL Rating Profile

FY17

750 & Above

700-750

H1FY20 Below 700

Reduction in Exposure to large borrowers

Exposure to NBFCs-Lending to higher-rated NBFCs

Top 20 individual borrowers(FB+NFB) as % of Tier 1 Capital

147.8

134.2

120.5

% of advances - Rating wise (Sep-19)

1.5

0.3

50.2

98.2

NBFC

16.9

0.6

82.8

HFC

FY 17

FY 18

FY 19

H1FY20

A & Above

BBB

Below BBB

Digital Banking Initiatives

Key Highlights

43 LACS MOBILE BANKING

USERS.

1.92 lakh Debit Card ISSUED

54000+ pos MERCHANTS

6798 atmS

 22+ Lakhs Internet BANKING

USERS.

Business Performance

Financials

New Initiatives & Outcomes

Group Entities

Table of Contents

Group Entities

Union Bank of India (UK) Limited

Union Asset Management Company Private Limited

Union Trustee Co. Pvt. Limited

Star Union Dai-ichi Life Insurance Co. Limited

Kashi Gomti Samyut Gramin Bank, Varanasi

Details of Group Entities

Name of Entity

Relationship

Bank’s Ownership

Equity Investment (` in Crore)

Nature of Activity

Union Bank of India (UK) Limited

Subsidiary

100%

649.33

Banking

Union Asset Management Co. Private Limited

Subsidiary

100%

186.29

Mutual Fund

Union Trustee Co. Pvt. Limited

Subsidiary

100%

0.06

Mutual Fund

Star Union Dai-ichi Life Insurance Co. Limited

Joint Venture

25.10%

65.00

Life Insurance

Kashi Gomti Samyut Gramin Bank

Associate

35%

15.96

Banking

Key Financials for H1FY20

(` crore)

Name of Entity

Total Assets

Total Revenue

Net Profit

Union Bank of India (UK) Limited

3285.58

75.64

Union Asset Management Co. Private Limited

193.18

21.23

Union Trustee Co. Pvt. Limited

0.18

0.10

1.21

1.39

0.02

Star Union Dai-ichi Life Insurance Co. Limited

9261.66

1191.44

10.29

Kashi Gomti Samyut Gramin Bank

13077.20

509.73

7.34

Group Entities

Union Asset Management Company Private Limited

(` crore)

Name of Entity

Total Assets

Total Revenue

Net Profit

Union Asset Management Co. Private Limited

193.18

21.23

1.39

Avg. Asset Under Management

4294

Mar-19

4162

Jun-19

4183

Sept-19

Key Highlights

Japan-based

insurer

Dai-ichi

group invested `133.4 crore in

Union AMC through Compulsorily

Convertible Preference Shares in

May 2018.

Union

AMC

forays

into

Management & Advisory Services to

Foreign Portfolio Investors(FPI)

–

Received approval of SEBI

Group Entities

Star Union Dai-ichi Life Insurance Co. Limited

(` crore)

Name of Entity

Total Assets

Total Revenue

Net Profit

Star Union Dai-ichi Life Insurance Co. Limited

9261.66

1191.44

10.29

Particulars

FY19

Q1FY20

Q2FY20

Total Premium Income

Retail New Business

Renewal Premium Income

1994.1

563.8

1317.6

Profit After Tax

101.5

345.4

82.7

228.9

-12.9

545.8

151.6

346.4

23.2

Key Highlights

 As of

Sept 2019,

SUD Life

manages Rs. 8276 Crore Policy

holder Funds.

SUD life paid dividend of ` 2.1

Crore to the Bank for FY19.

 Claim Settlement percentage

91.5%

Union Bank earned ` 36 Crore as

distribution income from SUD Life

for H1FY20.

Disclaimer

such

which

These

words

phrases

statements

forward-looking

information contained herein, statements in this Except for the historical presentation as contain “is”, “aims”, „will‟, „would‟, „indicating‟, „expected to‟ etc., and similar expressions or variations of such expressions may constitute „forward-looking of statements‟. 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 implementation and changes, the allowance for credit losses, technological 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.

number

involve

Investor queries: investor.relations@unionbankofindia.com

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