Union Bank of India Reports Mixed Financial Results Amid Asset Quality Improvement in March 2025

Union Bank of India has reported its financial results for the quarter ending March 2025, showcasing a mix of positive developments and areas of concern. The bank's gross non-performing assets (NPA) have reached a low of 3.60%, continuing a downward trend over the past five quarters, indicating an improvement in asset quality. Additionally, the interest earned has peaked at Rs 27,695.22 crore, reflecting a strong sales trend. The net interest income also reached its highest level in five quarters at Rs 9,514.05 crore, demonstrating growth in the bank's core business.
Profit after tax (PAT) has shown a notable increase, reaching Rs 4,984.92 crore, which is a significant rise compared to the average of the previous four quarters. This has contributed to an earnings per share (EPS) of Rs 6.53, marking the highest in the last five quarters. Furthermore, the capital adequacy ratio (CAR) stands at 18.02%, indicating a robust capital position relative to risk assets.

However, the bank faces challenges, particularly with profit before tax (PBT) showing a decline and a high reliance on non-operating income, which raises sustainability concerns. Additionally, cash and cash equivalents have reached their lowest level in recent periods, indicating potential liquidity issues.

Overall, Union Bank of India has experienced evaluation changes in its financial metrics, reflecting a complex landscape of performance indicators.

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