Union Bank of India Reports Mixed Financial Results Amidst Improving Asset Quality in June 2025

Union Bank of India has recently reported its financial results for the quarter ending June 2025, revealing a mixed performance landscape. The bank's evaluation has undergone an adjustment, with its score reflecting a notable shift over the past three months.
On a positive note, Union Bank has achieved its lowest Gross Non-Performing Assets (NPA) ratio at 3.52%, continuing a downward trend over the last five quarters. Similarly, the Net NPA ratio has also reached a low of 0.62%, indicating a reduction in the proportion of stressed loans. Additionally, the bank's cash and cash equivalents have peaked at Rs 89,503.48 crore, showcasing an improvement in short-term liquidity. The Capital Adequacy Ratio (CAR) stands at 18.03%, marking the highest level in five quarters, which suggests a strengthening capital base relative to risk assets.

Conversely, the bank has faced challenges, with Profit Before Tax (PBT) declining to Rs 758.37 crore, reflecting a significant drop compared to the previous four quarters' average. Profit After Tax (PAT) has also seen a decrease, recorded at Rs 4,115.53 crore. Furthermore, a substantial portion of the bank's income is derived from non-operating activities, raising concerns about the sustainability of its business model.

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