Union Bank of India Adjusts Financial Strategies Amid Mixed Performance Indicators

Union Bank of India has recently undergone a financial trend adjustment, reflecting a shift in its performance metrics. The bank reported a flat financial performance for the quarter ending September 2025, with its score declining significantly over the past three months.
On the positive side, Union Bank has achieved its lowest Gross Non-Performing Assets (NPA) at 3.29% and a Net NPA of just 0.55%. Additionally, the bank's credit-deposit ratio stands at a robust 76.81%, indicating effective management of its lending and deposit activities.

However, several key performance indicators have shown weakness. The Net Interest Income (NII) has reached its lowest point at Rs 8,812.37 crore, while interest earned has also dipped to Rs 26,650.24 crore. Other metrics, including Profit Before Depreciation, Interest, and Tax (PBDIT) and operating profit to net sales, have similarly declined, with the latter at a low of 6.82%. The Profit After Tax (PAT) has fallen by 7.7% compared to the previous four-quarter average, highlighting challenges in profitability.

In terms of market performance, Union Bank has outperformed the Sensex over various time frames, particularly in the year-to-date and three-year periods, showcasing its resilience despite recent financial challenges.