Union Bank of India Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

1,05,992.23

1,05,908.94

99,777.96

80,743.34

67,943.95

68,767.34

37,231.12

Income On Investments

22,309.48

23,184.19

22,467.43

21,355.04

19,942.84

20,573.70

10,572.86

Interest On Balances With Rbi Other Inter Bank Funds

3,132.34

3,271.34

4,854.86

2,116.84

2,140.82

1,604.88

1,200.28

Interest / Discount On Advances / Bills

79,907.43

79,066.91

71,971.03

56,760.14

45,235.50

45,765.84

25,078.70

Others

642.98

386.50

484.64

511.32

624.79

822.92

379.28

Other Income

19,434.79

19,812.92

16,080.19

14,633.15

12,524.82

11,744.49

5,260.79

Total Income

1,25,427.02

1,25,721.86

1,15,858.15

95,376.49

80,468.77

80,511.83

42,491.91

Interest Expended

69,333.40

68,695.26

63,207.56

47,978.00

40,157.49

44,078.91

25,794.37

Net Interest Income

36,658.83

37,213.68

36,570.40

32,765.34

27,786.46

24,688.43

11,436.75

Total Expenditure (Excl Depreciation)

27,474.12

25,936.56

24,439.96

21,931.33

18,438.07

16,765.99

7,516.42

Employee Cost

15,290.42

14,667.64

14,377.18

12,389.71

10,114.61

9,283.61

3,358.62

Other Operating Expenses

12,183.70

11,268.92

10,062.78

9,541.62

8,323.46

7,482.38

4,157.80

Operating Profit Before Provisions and Contingencies

28,619.50

31,090.04

28,210.63

25,467.16

21,873.21

19,666.93

9,181.12

Exceptional Items

0.00

Provisions and contingencies

4,438.45

7,610.98

6,780.24

13,329.44

13,293.80

17,267.51

10,698.77

Profit Before Tax

24,181.05

23,479.06

21,430.39

12,137.72

8,579.41

2,399.42

-4,027.63

Tax

5,483.91

5,491.92

7,782.08

3,704.45

3,347.31

-506.55

-1,129.85

Profit After Tax

18,697.14

17,987.14

13,648.31

8,433.27

5,232.10

2,905.97

-2,897.78

Extraordinary Items

0.00

-2,509.98

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

18,697.14

17,987.14

13,648.31

8,433.27

5,232.10

2,905.97

-387.80

Face Value

10.0

Reserves

0.00

99,876.34

83,690.94

65,367.04

58,984.32

53,171.41

22,489.18

Earnings per share (EPS)

24.49

23.56

17.88

12.34

7.66

4.54

-8.47

Diluted Earnings per share

24.49

23.56

18.95

12.34

7.73

4.54

-15.79

Operating Profit Margin (Excl OI)

69.89%

68.32%

68.71%

56.33%

53.3%

50.51%

44.33%

Gross Profit Margin

22.81%

22.17%

21.48%

15.03%

12.63%

3.49%

-10.82%

PAT Margin

17.64%

16.98%

13.68%

10.44%

7.7%

4.23%

-7.78%

Net Interest Margin

2.7%

2.91%

3.1%

3.07%

2.94%

2.71%

2.97%

Return on Assets

0.0%

CASA (%)

35.21%

33.52%

34.2%

35.62%

36.54%

36.33%

35.6%

CASA Amount

4,60,077.00

4,26,325.00

4,10,134.00

3,94,055.00

3,77,193.00

3,35,592.00

2,96,598.00

Capital Adequacy Ratio (Total)

18.1%

18.02%

16.97%

16.04%

14.52%

12.56%

12.81%

Capital Adequacy Ratio (Tier 1)

16.63%

16.24%

14.99%

13.91%

12.19%

10.36%

10.76%

Provision Coverage Ratio (%)

95.03%

94.61%

92.69%

90.34%

83.61%

81.27%

73.64%

Amount of Gross NPAs

30,400.77

35,350.38

43,097.73

60,987.29

79,587.07

89,788.20

49,085.30

Amount of Net NPAs

5,067.28

5,969.29

8,989.92

12,927.44

24,303.30

27,280.52

17,303.14

% of Net NPAs

0.48%

0.63%

1.03%

1.7%

3.68%

4.62%

5.49%

% of Gross NPAs

2.82%

3.6%

4.76%

7.53%

11.11%

13.74%

14.15%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

8656.0

8910.0

8982.0

10835.0

11232.0

12957.0

13311.0

Number of Branches

8697.0

8621.0

8466.0

8580.0

8873.0

9315.0

9587.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 0.08% vs 6.14% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 3.95% vs 31.79% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is -7.95% vs 10.21% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.15% vs -0.40% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.78% vs -1.16% in Mar 2025

Compare Annual Results Of Union Bank (I) With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

1,05,992.23

1,22,300.61

-16,308.38

-13.33%

Income On Investments

22,309.48

25,948.76

-3,639.28

-14.02%

Interest On Balances With Rbi Other Inter Bank Funds

3,132.34

1,756.37

1,375.97

78.34%

Interest / Discount On Advances / Bills

79,907.43

93,050.88

-13,143.45

-14.13%

Others

642.98

1,544.60

-901.62

-58.37%

Other Income

19,434.79

15,788.36

3,646.43

23.1%

Total Income

1,25,427.02

1,38,088.97

-12,661.95

-9.17%

Interest Expended

69,333.40

75,782.96

-6,449.56

-8.51%

Net Interest Income

36,658.83

46,517.65

-9,858.82

-21.19%

Total Expenditure (Excl Depreciation)

27,474.12

29,871.38

-2,397.26

-8.03%

Employee Cost

15,290.42

16,607.64

-1,317.22

-7.93%

Other Operating Expenses

12,183.70

13,263.74

-1,080.04

-8.14%

Operating Profit Before Provisions and Contingencies

28,619.50

32,434.63

-3,815.13

-11.76%

Exceptional Items

0.00

Provisions and contingencies

4,438.45

5,980.25

-1,541.80

-25.78%

Profit Before Tax

24,181.05

26,454.38

-2,273.33

-8.59%

Tax

5,483.91

6,873.23

-1,389.32

-20.21%

Profit After Tax

18,697.14

19,581.15

-884.01

-4.51%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

18,697.14

19,581.15

-884.01

-4.51%

Face Value

10.00

2.00

0.00

Reserves

0.00

1,26,419.83

-1,26,419.83

-100.0%

Earnings per share (EPS)

24.49

37.82

-13.33

-35.25%

Diluted Earnings per share

24.49

37.86

-13.37

-35.31%

Operating Profit Margin (Excl OI)

69.89%

70.69%

0.00

-0.80%

Gross Profit Margin

22.81%

21.63%

0.00

1.18%

PAT Margin

17.64%

16.01%

0.00

1.63%

Net Interest Margin

2.70%

3.08%

-0.38

-0.38%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

35.21%

39.97%

-4.76

-4.76%

CASA Amount

4,60,077.00

4,96,462.00

-36,385.00

-7.33%

Capital Adequacy Ratio (Total)

18.10%

17.19%

0.91

0.91%

Capital Adequacy Ratio (Tier 1)

16.63%

14.79%

1.84

1.84%

Provision Coverage Ratio (%)

95.03%

9.29%

85.74

85.74%

Amount of Gross NPAs

30,400.77

27,834.88

2,565.89

9.22%

Amount of Net NPAs

5,067.28

6,994.24

-1,926.96

-27.55%

% of Net NPAs

0.48%

0.58%

-0.10

-0.10%

% of Gross NPAs

2.82%

2.26%

0.56

0.56%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

8,656.00

0.00

8,656.00

Number of Branches

8,697.00

0.00

8,697.00

Annual - Interest Earned

Interest Earned 105992.23 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 0.08% vs 6.14% in Mar 2025

Annual - Net Profit

Net Profit 18,697.14 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 3.95% vs 31.79% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 28,619.50 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -7.95% vs 10.21% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.48%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.15% vs -0.40% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.82%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.78% vs -1.16% in Mar 2025