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Union Bank (I)

Part of MojoOne Strategy
  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE692A01016
  • NSEID: UNIONBANK
  • BSEID: 532477
  • View on NSE | View on BSE
INR
169.90
-1.3 (-0.76%)
BSENSE

Jun 16, 12:32 PM

BSE+NSE Vol: 45.87 lacs

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
80,389.21
79,616.38
73,427.87
58,738.80
50,769.59
53,292.29
27,941.71
Income On Investments
16,879.27
17,394.12
16,859.16
15,901.40
14,946.53
15,662.79
7,952.78
Interest On Balances With Rbi Other Inter Bank Funds
3,532.94
3,209.49
3,655.97
1,366.82
1,533.65
1,194.51
874.03
Interest / Discount On Advances / Bills
59,604.88
58,718.73
52,519.69
41,101.33
33,781.41
35,733.59
18,829.61
Others
372.12
294.04
393.05
369.25
508.00
701.40
285.29
Other Income
14,022.65
14,253.83
11,372.77
9,363.92
9,281.74
7,414.63
3,243.21
Total Income
94,411.86
93,870.21
84,800.64
68,102.72
60,051.33
60,706.92
31,184.92
Interest Expended
53,136.36
51,916.76
46,294.09
34,224.01
29,752.48
34,006.72
19,383.07
Net Interest Income
27,252.85
27,699.62
27,133.78
24,514.79
21,017.11
19,285.57
8,558.64
Total Expenditure (Excl Depreciation)
20,611.29
18,563.56
16,828.84
15,234.91
13,945.78
11,992.06
5,273.37
Employee Cost
11,865.65
10,598.51
9,548.06
8,247.48
7,903.03
6,725.62
2,345.07
Other Operating Expenses
8,745.64
7,965.05
7,280.78
6,987.43
6,042.75
5,266.44
2,928.30
Operating Profit Before Provisions and Contingencies
20,664.21
23,389.89
21,677.71
18,643.80
16,353.07
14,708.14
6,528.48
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,383.47
6,067.06
5,520.69
10,393.86
9,675.68
13,584.31
7,197.08
Profit Before Tax
17,280.74
17,322.83
16,157.02
8,249.94
6,677.39
1,123.83
-668.60
Tax
3,899.36
4,320.61
5,819.25
2,598.98
2,884.89
-452.37
-274.00
Profit After Tax
13,381.38
13,002.22
10,337.77
5,650.96
3,792.50
1,576.20
-394.60
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
13,381.38
13,002.22
10,337.77
5,650.96
3,792.50
1,576.20
-394.60
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
Operating Profit Margin (Excl OI)
74.36%
76.68%
77.08%
74.06%
72.53%
77.5%
81.13%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
16.65%
16.33%
14.08%
9.62%
7.47%
2.96%
-1.41%
Net Interest Margin
2.76%
2.91%
3.08%
3.21%
3.0%
2.94%
2.47%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
33.96%
33.43%
34.4%
35.35%
36.99%
35.38%
34.4%
CASA Amount
4,15,094.00
3,95,328.00
3,97,107.00
3,75,981.00
3,46,754.00
3,12,213.00
1,53,115.00
Capital Adequacy Ratio (Total)
16.49%
16.72%
15.03%
14.45%
13.92%
12.98%
14.71%
Capital Adequacy Ratio (Tier 1)
15.06%
14.89%
13.06%
12.27%
11.75%
10.47%
12.69%
Provision Coverage Ratio (%)
95.13%
93.42%
92.54%
88.5%
82.8%
86.18%
67.42%
Amount of Gross NPAs
31,120.88
36,554.25
43,261.88
63,770.16
77,786.12
87,968.62
49,923.58
Amount of Net NPAs
5,102.15
7,568.36
9,351.23
16,195.11
25,257.32
19,063.05
21,510.28
% of Net NPAs
0.51%
0.82%
1.08%
2.14%
4.09%
3.27%
6.99%
% of Gross NPAs
3.06%
3.85%
4.83%
7.93%
11.62%
13.49%
14.86%
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
8300.0
9087.0
9889.0
10953.0
11455.0
0.0
12272.0
Number of Branches
8671.0
8574.0
8479.0
8710.0
9113.0
0.0
4282.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is 0.97% vs 8.43% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is 2.92% vs 25.77% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -11.65% vs 7.90% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.31% vs -0.26% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.79% vs -0.98% in Dec 2024

Compare Nine Monthly Results Of Union Bank (I) With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
80,389.21
94,351.81
-13,962.60
-14.8%
Income On Investments
16,879.27
18,958.74
-2,079.47
-10.97%
Interest On Balances With Rbi Other Inter Bank Funds
3,532.94
1,957.24
1,575.70
80.51%
Interest / Discount On Advances / Bills
59,604.88
71,197.10
-11,592.22
-16.28%
Others
372.12
2,238.73
-1,866.61
-83.38%
Other Income
14,022.65
11,789.88
2,232.77
18.94%
Total Income
94,411.86
1,06,141.69
-11,729.83
-11.05%
Interest Expended
53,136.36
59,163.02
-6,026.66
-10.19%
Net Interest Income
27,252.85
35,188.79
-7,935.94
-22.55%
Total Expenditure (Excl Depreciation)
20,611.29
23,789.13
-3,177.84
-13.36%
Employee Cost
11,865.65
12,479.60
-613.95
-4.92%
Other Operating Expenses
8,745.64
11,309.53
-2,563.89
-22.67%
Operating Profit Before Provisions and Contingencies
20,664.21
23,189.54
-2,525.33
-10.89%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,383.47
3,998.34
-614.87
-15.38%
Profit Before Tax
17,280.74
19,191.20
-1,910.46
-9.95%
Tax
3,899.36
4,785.82
-886.46
-18.52%
Profit After Tax
13,381.38
14,405.38
-1,024.00
-7.11%
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
13,381.38
14,405.38
-1,024.00
-7.11%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
16.65%
15.27%
0.00
1.38%
Net Interest Margin
2.76%
2.79%
-0.03
-0.03%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
33.96%
38.45%
-4.49
-4.49%
CASA Amount
4,15,094.00
5,02,560.00
-87,466.00
-17.4%
Capital Adequacy Ratio (Total)
16.49%
15.29%
1.20
1.20%
Capital Adequacy Ratio (Tier 1)
15.06%
13.10%
1.96
1.96%
Provision Coverage Ratio (%)
95.13%
92.73%
2.40
2.40%
Amount of Gross NPAs
31,120.88
27,399.44
3,721.44
13.58%
Amount of Net NPAs
5,102.15
7,614.96
-2,512.81
-33.0%
% of Net NPAs
0.51%
0.57%
-0.06
-0.06%
% of Gross NPAs
3.06%
2.04%
1.02
1.02%
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
8,300.00
9,529.00
-1,229.00
-12.9%
Number of Branches
8,671.00
0.00
8,671.00
Nine Monthly - Interest Earned
Interest Earned 80389.21 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 0.97% vs 8.43% in Dec 2024

Nine Monthly - Net Profit
Net Profit 13,381.38 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 2.92% vs 25.77% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 20,664.21 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is -11.65% vs 7.90% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 0.51%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.31% vs -0.26% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 3.06%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.79% vs -0.98% in Dec 2024

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