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Union Bank (I)

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE692A01016
  • NSEID: UNIONBANK
  • BSEID: 532477
INR
152.80
0.45 (0.3%)
BSENSE

Dec 05

BSE+NSE Vol: 61.63 lacs

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
53,945.80
53,072.82
48,064.91
37,855.94
33,839.94
36,204.99
18,310.99
Income On Investments
11,239.58
11,607.41
11,200.97
10,553.27
10,016.31
10,502.07
5,153.55
Interest On Balances With Rbi Other Inter Bank Funds
2,818.76
2,534.17
2,446.92
993.94
953.96
904.61
581.14
Interest / Discount On Advances / Bills
39,721.26
38,742.55
34,143.06
26,069.99
22,510.99
24,281.13
12,386.93
Others
166.20
188.69
273.96
238.74
358.68
517.18
189.37
Other Income
9,481.60
9,837.26
7,598.47
6,093.10
6,757.65
4,444.48
2,132.72
Total Income
63,427.40
62,910.08
55,663.38
43,949.04
40,597.59
40,649.47
20,443.71
Interest Expended
36,020.88
34,613.47
30,099.14
21,969.23
19,997.22
23,508.92
12,886.94
Net Interest Income
17,924.92
18,459.35
17,965.77
15,886.71
13,842.72
12,696.07
5,424.05
Total Expenditure (Excl Depreciation)
13,683.91
12,398.54
11,164.08
9,955.16
9,345.49
7,697.62
3,429.73
Employee Cost
7,854.55
7,130.70
6,268.59
5,399.18
5,527.56
4,236.13
1,479.43
Other Operating Expenses
5,829.36
5,267.84
4,895.49
4,555.98
3,817.93
3,461.49
1,950.30
Operating Profit Before Provisions and Contingencies
13,722.61
15,898.07
14,400.16
12,024.65
11,254.88
9,442.93
4,127.04
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,061.24
4,468.01
3,772.90
7,357.95
7,126.10
8,373.81
5,378.09
Profit Before Tax
10,661.37
11,430.06
10,627.26
4,666.70
4,128.78
1,069.12
-1,251.05
Tax
2,296.76
3,031.47
3,879.40
1,260.54
1,421.68
219.76
-281.87
Profit After Tax
8,364.61
8,398.59
6,747.86
3,406.16
2,707.10
849.36
-969.18
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
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
8,364.61
8,398.59
6,747.86
3,406.16
2,707.10
849.36
-969.18
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
10.96
11.0
9.1
4.98
3.96
1.33
-5.5
Diluted Earnings per share
10.96
11.0
9.72
4.98
4.03
1.33
-5.5
Operating Profit Margin (Excl OI)
68.96%
68.22%
68.92%
54.27%
51.33%
55.61%
51.9%
Gross Profit Margin
19.76%
21.54%
22.11%
12.33%
12.2%
2.95%
-6.83%
PAT Margin
15.51%
15.82%
14.04%
9.0%
8.0%
2.35%
-5.29%
Net Interest Margin
2.71%
2.97%
3.14%
0.0%
3.0%
2.78%
2.24%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
32.56%
32.72%
34.66%
35.63%
37.16%
34.61%
33.8%
CASA Amount
4,01,854.00
3,96,295.00
3,88,229.00
3,71,697.00
3,39,692.00
3,06,665.00
1,49,832.00
Capital Adequacy Ratio (Total)
17.07%
17.13%
16.69%
14.5%
13.64%
12.38%
15.14%
Capital Adequacy Ratio (Tier 1)
15.58%
15.22%
14.57%
12.26%
11.32%
10.05%
12.83%
Provision Coverage Ratio (%)
95.13%
92.79%
92.03%
86.61%
81.77%
83.16%
67.75%
Amount of Gross NPAs
32,085.13
40,498.86
54,012.26
65,390.85
80,211.73
95,796.90
49,850.48
Amount of Net NPAs
5,209.42
8,758.59
10,421.01
19,192.63
26,786.42
23,894.35
20,791.06
% of Net NPAs
0.55%
0.98%
1.3%
2.64%
4.61%
4.13%
6.98%
% of Gross NPAs
3.29%
4.36%
6.38%
8.45%
12.64%
14.71%
15.24%
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
9064.0
9124.0
10013.0
11092.0
11677.0
13287.0
12384.0
Number of Branches
8655.0
8555.0
8521.0
8729.0
9274.0
9590.0
4285.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 1.64% vs 10.42% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -0.40% vs 24.46% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -13.68% vs 10.40% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is -0.43% vs -0.32% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is -1.07% vs -2.02% in Sep 2024

Compare Half Yearly Results Of Union Bank (I) With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
53,945.80
62,546.72
-8,600.92
-13.75%
Income On Investments
11,239.58
12,500.07
-1,260.49
-10.08%
Interest On Balances With Rbi Other Inter Bank Funds
2,818.76
2,954.74
-135.98
-4.6%
Interest / Discount On Advances / Bills
39,721.26
45,699.37
-5,978.11
-13.08%
Others
166.20
1,392.54
-1,226.34
-88.06%
Other Income
9,481.60
14,114.32
-4,632.72
-32.82%
Total Income
63,427.40
76,661.04
-13,233.64
-17.26%
Interest Expended
36,020.88
44,396.77
-8,375.89
-18.87%
Net Interest Income
17,924.92
18,149.95
-225.03
-1.24%
Total Expenditure (Excl Depreciation)
13,683.91
15,122.55
-1,438.64
-9.51%
Employee Cost
7,854.55
9,617.79
-1,763.24
-18.33%
Other Operating Expenses
5,829.36
5,504.76
324.60
5.9%
Operating Profit Before Provisions and Contingencies
13,722.61
17,141.72
-3,419.11
-19.95%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,061.24
4,705.73
-1,644.49
-34.95%
Profit Before Tax
10,661.37
12,435.99
-1,774.62
-14.27%
Tax
2,296.76
2,910.00
-613.24
-21.07%
Profit After Tax
8,364.61
9,525.99
-1,161.38
-12.19%
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
8,364.61
9,525.99
-1,161.38
-12.19%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
10.96
10.50
0.46
4.38%
Diluted Earnings per share
10.96
10.50
0.46
4.38%
Operating Profit Margin (Excl OI)
68.96%
68.30%
0.00
0.66%
Gross Profit Margin
19.76%
19.88%
0.00
-0.12%
PAT Margin
15.51%
15.23%
0.00
0.28%
Net Interest Margin
2.71%
2.52%
0.19
0.19%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
32.56%
30.69%
1.87
1.87%
CASA Amount
4,01,854.00
4,28,115.00
-26,261.00
-6.13%
Capital Adequacy Ratio (Total)
17.07%
16.20%
0.87
0.87%
Capital Adequacy Ratio (Tier 1)
15.58%
14.28%
1.30
1.30%
Provision Coverage Ratio (%)
95.13%
93.59%
1.54
1.54%
Amount of Gross NPAs
32,085.13
27,040.27
5,044.86
18.66%
Amount of Net NPAs
5,209.42
6,113.22
-903.80
-14.78%
% of Net NPAs
0.55%
0.54%
0.01
0.01%
% of Gross NPAs
3.29%
2.35%
0.94
0.94%
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
9,064.00
7,405.00
1,659.00
22.4%
Number of Branches
8,655.00
21,028.00
-12,373.00
-58.84%
Half Yearly - Interest Earned
Interest Earned 53945.8 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 1.64% vs 10.42% in Sep 2024

Half Yearly - Net Profit
Net Profit 8,364.61 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -0.40% vs 24.46% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 13,722.61 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -13.68% vs 10.40% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.55%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.43% vs -0.32% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 3.29%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -1.07% vs -2.02% in Sep 2024

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