Union Bank of India operates through over 4200+ branches across the country. The Bank has a large clientele base of over 49m.The retail, agriculture and MSME-Micro Small Medium Enterprises (RAM) sectors comprises about ~55% of domestic loan book (as of Q4FY18). Reported a net loss of 2583crs in Q4FY18 on account of one off provisions and investment depreciation. Both NII and NIM de- grew by 8% & 37bps on a YoY basis. Advances/Deposits grew by 4%/8%yoy with CASA portfolio registering a growth of ~7% yoy. GNPA/NNPA is up by 456bps and 185bps YoY to 15.7% and 8.4% respectively while Cost to Income ratio reflected a deterioration on a YoY basis (49% vs 44%)....