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Union Bank (I)

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE692A01016
  • NSEID: UNIONBANK
  • BSEID: 532477
INR
152.25
-0.1 (-0.07%)
BSENSE

Dec 05

BSE+NSE Vol: 67.49 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
1,07,725.97
99,777.96
80,743.34
67,943.95
68,767.34
37,231.12
34,066.66
Income On Investments
23,184.19
22,467.43
21,355.04
19,942.84
20,573.70
10,572.86
9,003.34
Interest On Balances With Rbi Other Inter Bank Funds
5,088.37
4,854.86
2,116.84
2,140.82
1,604.88
1,200.28
1,201.27
Interest / Discount On Advances / Bills
79,066.91
71,971.03
56,760.14
45,235.50
45,765.84
25,078.70
23,771.92
Others
386.50
484.64
511.32
624.79
822.92
379.28
90.13
Other Income
19,812.92
16,080.19
14,633.15
12,524.82
11,744.49
5,260.79
4,473.95
Total Income
1,27,538.89
1,15,858.15
95,376.49
80,468.77
80,511.83
42,491.91
38,540.61
Interest Expended
70,512.30
63,207.56
47,978.00
40,157.49
44,078.91
25,794.37
23,851.75
Net Interest Income
37,213.67
36,570.40
32,765.34
27,786.46
24,688.43
11,436.75
10,214.91
Total Expenditure (Excl Depreciation)
25,936.55
24,439.96
21,931.33
18,438.07
16,765.99
7,516.42
7,167.63
Employee Cost
14,667.64
14,377.18
12,389.71
10,114.61
9,283.61
3,358.62
3,150.93
Other Operating Expenses
11,268.91
10,062.78
9,541.62
8,323.46
7,482.38
4,157.80
4,016.70
Operating Profit Before Provisions and Contingencies
31,090.04
28,210.63
25,467.16
21,873.21
19,666.93
9,181.12
7,521.23
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
7,610.98
6,780.24
13,329.44
13,293.80
17,267.51
10,698.77
11,447.89
Profit Before Tax
23,479.06
21,430.39
12,137.72
8,579.41
2,399.42
-4,027.63
-3,926.66
Tax
5,491.92
7,782.08
3,704.45
3,347.31
-506.55
-1,129.85
-979.21
Profit After Tax
17,987.14
13,648.31
8,433.27
5,232.10
2,905.97
-2,897.78
-2,947.45
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
-2,509.98
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
17,987.14
13,648.31
8,433.27
5,232.10
2,905.97
-387.80
-2,947.45
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
99,876.34
83,690.94
65,367.04
58,984.32
53,171.41
22,489.18
22,489.18
Earnings per share (EPS)
23.56
17.88
12.34
7.66
4.54
-8.47
-16.72
Diluted Earnings per share
23.56
18.95
12.34
7.73
4.54
-15.79
-25.08
Operating Profit Margin (Excl OI)
68.86%
68.71%
56.33%
53.3%
50.51%
44.33%
45.36%
Gross Profit Margin
21.8%
21.48%
15.03%
12.63%
3.49%
-10.82%
-11.53%
PAT Margin
16.7%
13.68%
10.44%
7.7%
4.23%
-7.78%
-8.65%
Net Interest Margin
2.91%
3.1%
3.07%
2.94%
2.71%
2.97%
2.23%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
33.52%
34.2%
35.62%
36.54%
36.33%
35.6%
36.1%
CASA Amount
4,26,325.00
4,10,134.00
3,94,055.00
3,77,193.00
3,35,592.00
2,96,598.00
1,50,141.00
Capital Adequacy Ratio (Total)
18.02%
16.97%
16.04%
14.52%
12.56%
12.81%
11.78%
Capital Adequacy Ratio (Tier 1)
16.24%
14.99%
13.91%
12.19%
10.36%
10.76%
9.48%
Provision Coverage Ratio (%)
94.61%
92.69%
90.34%
83.61%
81.27%
73.64%
66.24%
Amount of Gross NPAs
35,350.38
43,097.73
60,987.29
79,587.07
89,788.20
49,085.30
48,729.15
Amount of Net NPAs
5,969.29
8,989.92
12,927.44
24,303.30
27,280.52
17,303.14
20,332.42
% of Net NPAs
0.63%
1.03%
1.7%
3.68%
4.62%
5.49%
6.85%
% of Gross NPAs
3.6%
4.76%
7.53%
11.11%
13.74%
14.15%
14.98%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
8910.0
8982.0
10835.0
11232.0
12957.0
13311.0
6650.0
Number of Branches
8621.0
8466.0
8580.0
8873.0
9315.0
9587.0
4288.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 7.97% vs 23.57% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is 31.79% vs 61.84% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 10.21% vs 10.77% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.40% vs -0.67% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -1.16% vs -2.77% in Mar 2024

Compare Annual Results Of Union Bank (I) With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,07,725.97
1,19,755.07
-12,029.10
-10.04%
Income On Investments
23,184.19
24,595.57
-1,411.38
-5.74%
Interest On Balances With Rbi Other Inter Bank Funds
5,088.37
4,661.47
426.90
9.16%
Interest / Discount On Advances / Bills
79,066.91
87,789.30
-8,722.39
-9.94%
Others
386.50
2,708.73
-2,322.23
-85.73%
Other Income
19,812.92
22,452.80
-2,639.88
-11.76%
Total Income
1,27,538.89
1,42,207.87
-14,668.98
-10.32%
Interest Expended
70,512.30
82,683.11
-12,170.81
-14.72%
Net Interest Income
37,213.67
37,071.96
141.71
0.38%
Total Expenditure (Excl Depreciation)
25,936.55
28,134.50
-2,197.95
-7.81%
Employee Cost
14,667.64
17,856.09
-3,188.45
-17.86%
Other Operating Expenses
11,268.91
10,278.41
990.50
9.64%
Operating Profit Before Provisions and Contingencies
31,090.04
31,390.26
-300.22
-0.96%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
7,610.98
8,763.59
-1,152.61
-13.15%
Profit Before Tax
23,479.06
22,626.67
852.39
3.77%
Tax
5,491.92
5,600.00
-108.08
-1.93%
Profit After Tax
17,987.14
17,026.67
960.47
5.64%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
17,987.14
17,026.67
960.47
5.64%
Face Value
10.00
2.00
0.00
Reserves
99,876.34
91,636.14
8,240.20
8.99%
Earnings per share (EPS)
23.56
18.77
4.79
25.52%
Diluted Earnings per share
23.56
18.77
4.79
25.52%
Operating Profit Margin (Excl OI)
68.86%
69.19%
0.00
-0.33%
Gross Profit Margin
21.80%
18.89%
0.00
2.91%
PAT Margin
16.70%
14.22%
0.00
2.48%
Net Interest Margin
2.91%
2.80%
0.11
0.11%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
33.52%
31.17%
2.35
2.35%
CASA Amount
4,26,325.00
4,14,976.00
11,349.00
2.73%
Capital Adequacy Ratio (Total)
18.02%
16.33%
1.69
1.69%
Capital Adequacy Ratio (Tier 1)
16.24%
14.37%
1.87
1.87%
Provision Coverage Ratio (%)
94.61%
92.70%
1.91
1.91%
Amount of Gross NPAs
35,350.38
31,530.03
3,820.35
12.12%
Amount of Net NPAs
5,969.29
7,353.31
-1,384.02
-18.82%
% of Net NPAs
0.63%
0.70%
-0.07
-0.07%
% of Gross NPAs
3.60%
2.94%
0.66
0.66%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
8,910.00
9,579.00
-669.00
-6.98%
Number of Branches
8,621.00
17,672.00
-9,051.00
-51.22%
Annual - Interest Earned
Interest Earned 107725.97 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 7.97% vs 23.57% in Mar 2024

Annual - Net Profit
Net Profit 17,987.14 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 31.79% vs 61.84% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 31,090.04 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 10.21% vs 10.77% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 0.63%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.40% vs -0.67% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 3.60%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -1.16% vs -2.77% in Mar 2024

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