UNIONBANK2018-07-012018-09-30in-bse-fin:OneOperatingExpenses01Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourOperatingExpenses01Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentRevenue01Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentRevenue02Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentRevenue03Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentRevenue04Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentRevenue05Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentRevenue01Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentRevenue02Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentRevenue03Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentRevenue04Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentRevenue05Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentResults01Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentResults02Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentResults03Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentResults04Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentResults05Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentResults01Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentResults02Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentResults03Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentResults04Member UNIONBANK2018-07-012018-09-30in-bse-fin:FourReportableSegmentResults05Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentAssets01Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentAssets02Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentAssets03Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentAssets04Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentAssets05Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentLiabilities01Member UNIONBANK2018-09-30in-bse-fin:OneReportableSegmentLiabilities01Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentLiabilities02Member UNIONBANK2018-09-30in-bse-fin:OneReportableSegmentLiabilities02Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentLiabilities03Member UNIONBANK2018-09-30in-bse-fin:OneReportableSegmentLiabilities03Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentLiabilities04Member UNIONBANK2018-09-30in-bse-fin:OneReportableSegmentLiabilities04Member UNIONBANK2018-07-012018-09-30in-bse-fin:OneReportableSegmentLiabilities05Member UNIONBANK2018-09-30in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares UNIONBANK Union Bank of India 2018-04-01 2019-03-31 INR Half yearly 2018-09-30 Unaudited Standalone 59072300000.00 23798700000.00 2346300000.00 170900000.00 85388200000.00 8994400000.00 94382600000.00 60457000000.00 7755200000.00 8451600000.00 16206800000.00 76663800000.00 17718800000.00 16555500000.00 0.00 1163300000.00 -227000000.00 1390300000.00 0.00 1390300000.00 1390300000.00 11685700000.00 10.00 0.674 0.075 0.015 1.19 1.19 1.19 1.19 501574200000.00 246569400000.00 0.157 0.084 0.001 2018-09-30 Unaudited Standalone 119187400000.00 47320600000.00 5436400000.00 451900000.00 172396300000.00 21073900000.00 193470200000.00 121203900000.00 15456800000.00 18202900000.00 33659700000.00 154863600000.00 38606600000.00 38846200000.00 0.00 -239600000.00 -2925300000.00 2685700000.00 0.00 2685700000.00 2685700000.00 11685700000.00 10.00 0.674 0.075 0.015 2.30 2.30 2.30 2.30 501574200000.00 246569400000.00 0.157 0.084 0.001 Others 8451600000.00 Others 18202900000.00 1.The above financial results for the quarter/half ended 30.09.18 arrived at by applying the same accounting policies as those followed in the preceding financial year ended 31.03.18. These financial results have been reviewed by Audit Committee of the Board and taken on record by the Board of Directors in their meeting held on 29.10.18. The same has been subjected to limited review by the Statutory Central Auditors of the Bank in line with the guidelines issued by the Reserve Bank of India and as per the SEBI (LODR) Regulation, 2015.2.The working results of the Bank for the quarter/half year ended 30.09.18 have been arrived at after considering the provisions on Non-Performing Assets, Standard Assets, Restructured Assets, Standard Derivative Exposures, Provision for Exposure to Entities with Un-Hedged Foreign Currency Exposure, Additional provision on standard advances under stressed sector, MSME borrowers and Non Performing Investments and Investment Depreciation on the basis of extant guidelines issued by the RBI. 3.Provision for employee benefits and other usual necessary provisions including income tax have been made on estimated basis. Expenses are estimated & provided on a proportionate basis and are subject to adjustment at the end of the financial year. 4.In terms of RBI circular dt 15.01.14 and 03.06.14, based on available data, financial statements and the declaration from the borrowers wherever received, the Bank has estimated the probable liability of Rs.23.07 Cr towards Unhedged Foreign Currency Exposure (UFCE) to their constituents and accordingly as per practice, holds the provision for the said amount as on 30.09.18. During the quarter, there is an increase in the said probable liability by Rs.0.38 Cr. 5.In terms of RBI circular dt 01.07.15, banks are required to make Pillar 3 disclosures under Basel III capital regulations. These details are made available on Bank’s website. These disclosures are not subjected to limited review by the Statutory Auditors. 6.The Bank has not availed the option of dispensations made available by the RBI and instead has preferred to make full provision in respect of the following: a)RBI circular dt 02.04.18 granted an option to spread mark to market losses on investments held in AFS and HFT category for quarters Dec 2017 and Mar 2018 have been provided fully in the respective quarters. b)RBI Circular dt 15.06.18, granted an option to spread mark to market losses on investments held in AFS and HFT category for Jun 2018 quarter have been provided fully in the Jun 2018 quarter itself. c)RBI communication dt 27.04.18 granted an option to spread additional gratuity liability on account of enhanced gratuity limit. The required provision was made during the quarter ended Mar 2018. d)RBI Circular dt 01.04.15 and 18.04.16 granted an option to spread provision in respect of frauds. The Bank, however, has fully provided for the amount classified as fraud during the quarter. 7.Pursuant to the proposed bipartite agreement on wage revision (due with effect from Nov 2017), a sum of Rs.60 Cr has been provided towards wage revision. (cumulative provision; Rs.220 Cr). n8.The Bank has recognised net Deferred Tax Assets of Rs.293.38 Cr during the quarter (quarter ended 30.06.17 Rs.321.70 Cr) and of Rs.873.69 Cr during the half year ended 30.09.18 (half year quarter ended 30.09.17 Rs.684.49 Cr) on timing differences in accordance with Accounting Standard-22 and the guidelines issued by the RBI. 9.During the quarter the Bank has paid an amount of Rs. 1.00 Cr as penalty imposed by the RBI on account of delay in reporting of fraud in one account. 10.Provision coverage ratio of the Bank as at 30.09.18 is 57.66. 11.Position of investor complaints for the quarter ended 30.09.18: iPending as on 01.07.18-0 iiReceived during the quarter-52 iiiResolved during the quarter-51 ivPending as on 30.09.18-1 12.Figures of previous period have been rearranged/reclassified/regrouped wherever necessary. CORPORATE/WHOLESALE BANKING 38612500000.00 OTHER BANKING OPERATIONS 1398800000.00 RETAIL BANKING OPERATIONS 26571400000.00 TREASURY OPERATIONS 28448800000.00 UNALLOCATED 0.00 CORPORATE/WHOLESALE BANKING 77259200000.00 OTHER BANKING OPERATIONS 2955400000.00 RETAIL BANKING OPERATIONS 55183600000.00 TREASURY OPERATIONS 58902300000.00 UNALLOCATED 525100000.00 95031500000.00 194825600000.00 648900000.00 1355400000.00 94382600000.00 193470200000.00 CORPORATE/WHOLESALE BANKING -7233400000.00 OTHER BANKING OPERATIONS 730800000.00 RETAIL BANKING OPERATIONS 2691200000.00 TREASURY OPERATIONS 4974700000.00 UNALLOCATED 0.00 CORPORATE/WHOLESALE BANKING -16811600000.00 OTHER BANKING OPERATIONS 1578800000.00 RETAIL BANKING OPERATIONS 6431400000.00 TREASURY OPERATIONS 8036700000.00 UNALLOCATED 525100000.00 1163300000.00 -239600000.00 0.00 0.00 0.00 0.00 1163300000.00 -239600000.00 CORPORATE/WHOLESALE BANKING 1850599100000.00 OTHER BANKING OPERATIONS 0.00 RETAIL BANKING OPERATIONS 1184790100000.00 TREASURY OPERATIONS 1661746700000.00 UNALLOCATED 85062500000.00 4782198400000.00 0.00 4782198400000.00 CORPORATE/WHOLESALE BANKING 1780403000000.00 OTHER BANKING OPERATIONS 0.00 RETAIL BANKING OPERATIONS 1139849200000.00 TREASURY OPERATIONS 1590882200000.00 UNALLOCATED 16943000000.00 4528077400000.00 0.00 4528077400000.00