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Union Bank of India — Q1FY27 Earnings Call Summary
Key Takeaways
- ECLGS disbursement at INR10,000 crores; total expected INR14,000-15,000 crores
- NIM improved to 2.80%; cost of deposits reduced by 18 bps; capital adequacy at 18.46%
- Bank focuses on five pillars: Efficiency, Robustness, Quality & Sustainable Growth, Profitability, Customer Centricity
- Average CASA maintained at INR24,000+ crores; RTD at INR17,000 crores; bulk deposits reduced by INR18,000-20,000 crores
- Credit growth pipeline over INR1,00,000 crores; aiming 18-20% growth in MSME, agriculture, retail sectors
- Asset quality stable with GNPA/NNPA levels among best; additional provisions of INR800 crores made
- PSLC fee income at INR217 crores this quarter; total ECL provisions required approx INR11,300 crores
- LCR ratio improved to 121%; credit-deposit ratio comfortable at 86%; deposit growth prioritized in CASA and retail term deposits
- Management confident of sustaining growth, improving NIM, and maintaining robust balance sheet
📄 Source: View original transcript (PDF)
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Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.