Union Bank of India has released the transcript of its Post Earnings Call held on January 14, 2026, for the reviewed unaudited financial results for the quarter ended December 31, 2025. The transcript is available on the bank's website and was submitted to the stock exchanges as per SEBI regulations.

The call featured management including MD & CEO Shri Asheesh Pandey, and Executive Directors Shri Nitesh Ranjan, Shri Ramasubramanian S., Shri Sanjay Rudra, and Shri Amresh Prasad. During the call, the management discussed the bank's financial performance, highlighting a net profit of ₹5,017 crore for the quarter ended December 2025. Interest income stood at ₹26,443 crore. The bank reported business growth of 5.04%, with gross advances increasing by 7.13% and total deposits growing by 3.36%. The Net Interest Margin (NIM) was reported at 2.76% for December 2025, showing a slight decrease from 2.91% in December 2024 but an increase from the previous quarter, attributed to strategic portfolio management including shedding high-cost bulk deposits and contracting the treasury book.

The management also touched upon key initiatives like Project MUSKAAN aimed at streamlining processes and enhancing customer service, and the bank's strong performance in the EASE agenda, receiving multiple technology awards. They emphasized the robust growth in the RAM (Retail, Agriculture, MSME) sector, with significant increases in Retail and Agri advances. Asset quality remained strong, with GNPA and NNPA reducing and PCR above 95%. The bank also crossed ₹10 lakh crore in advances for the first time. Discussions also covered the impact of draft ECL norms, technology upgrades with a capital budget of ₹1,600 crore for technology this year, and strategies to increase CASA and manage deposit growth. The bank is also focusing on digital initiatives, including a new digital business vertical.