Union Bank of India Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

26,650.24

27,295.56

27,695.22

26,957.93

26,708.43

26,364.39

26,350.10

Income On Investments

5,417.48

5,822.10

5,790.07

5,786.71

5,909.23

5,698.18

5,608.27

Interest On Balances With Rbi Other Inter Bank Funds

1,527.52

1,291.24

1,464.51

1,089.69

1,318.84

1,215.33

1,198.89

Interest / Discount On Advances / Bills

19,625.04

20,096.22

20,348.18

19,976.18

19,380.91

19,361.64

19,451.35

Others

80.20

86.00

92.46

105.35

99.45

89.24

91.59

Other Income

4,995.82

4,485.78

5,559.09

4,416.57

5,328.03

4,509.23

4,707.42

Total Income

31,646.06

31,781.34

33,254.31

31,374.50

32,036.46

30,873.62

31,057.52

Interest Expended

17,837.87

18,183.01

18,181.17

17,717.66

17,661.17

16,952.30

16,913.47

Net Interest Income

8,812.37

9,112.55

9,514.05

9,240.27

9,047.26

9,412.09

9,436.63

Total Expenditure (Excl Depreciation)

6,994.24

6,689.67

7,372.99

6,165.02

6,262.53

6,136.01

7,611.12

Employee Cost

3,908.65

3,945.90

4,069.13

3,467.81

3,562.67

3,568.03

4,829.12

Other Operating Expenses

3,085.59

2,743.77

3,303.86

2,697.21

2,699.86

2,567.98

2,782.00

Operating Profit Before Provisions and Contingencies

6,813.95

6,908.66

7,700.15

7,491.82

8,112.76

7,785.31

6,532.93

Exceptional Items

0.00

Provisions and contingencies

1,396.73

1,664.51

1,543.92

1,599.05

1,712.20

2,755.81

1,259.55

Profit Before Tax

5,417.22

5,244.15

6,156.23

5,892.77

6,400.56

5,029.50

5,273.38

Tax

1,168.14

1,128.62

1,171.31

1,289.14

1,680.82

1,350.65

1,962.83

Profit After Tax

4,249.08

4,115.53

4,984.92

4,603.63

4,719.74

3,678.85

3,310.55

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,249.08

4,115.53

4,984.92

4,603.63

4,719.74

3,678.85

3,310.55

Face Value

10.0

Reserves

0.00

99,876.34

98,397.18

0.00

89,142.26

83,690.94

Earnings per share (EPS)

5.57

5.39

6.53

6.03

6.18

4.82

4.34

Diluted Earnings per share

5.57

5.39

6.53

6.03

6.18

4.82

4.42

Operating Profit Margin (Excl OI)

68.51%

69.39%

67.8%

71.2%

70.14%

66.27%

66.34%

Gross Profit Margin

20.33%

19.21%

22.23%

21.86%

23.96%

19.08%

20.01%

PAT Margin

15.94%

15.08%

18.0%

17.08%

17.67%

13.95%

12.56%

Net Interest Margin

2.67%

2.76%

2.87%

2.91%

2.9%

3.05%

3.09%

Return on Assets

0.0%

CASA (%)

32.56%

32.52%

33.52%

33.43%

32.72%

33.4%

34.2%

CASA Amount

4,01,854.00

4,03,045.00

4,26,325.00

3,95,328.00

3,96,295.00

3,99,480.00

4,10,134.00

Capital Adequacy Ratio (Total)

17.07%

18.03%

18.02%

16.72%

17.13%

17.02%

16.97%

Capital Adequacy Ratio (Tier 1)

15.58%

16.58%

16.24%

14.89%

15.22%

15.14%

14.99%

Provision Coverage Ratio (%)

95.13%

94.65%

94.61%

93.42%

92.79%

93.49%

92.69%

Amount of Gross NPAs

32,085.13

34,311.31

35,350.38

36,554.25

40,498.86

41,422.94

43,097.73

Amount of Net NPAs

5,209.42

5,873.90

5,969.29

7,568.36

8,758.59

7,902.04

8,989.92

% of Net NPAs

0.55%

0.62%

0.63%

0.82%

0.98%

0.9%

1.03%

% of Gross NPAs

3.29%

3.52%

3.6%

3.85%

4.36%

4.54%

4.76%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

9064.0

8976.0

8910.0

9087.0

9124.0

9342.0

8982.0

Number of Branches

8655.0

8649.0

8621.0

8574.0

8555.0

8473.0

8466.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -2.36% vs -1.44% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 3.25% vs -17.44% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -1.37% vs -10.28% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.01% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.23% vs -0.08% in Jun 2025

Compare Quarterly Results Of Union Bank (I) With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

26,650.24

31,543.89

-4,893.65

-15.51%

Income On Investments

5,417.48

6,306.88

-889.40

-14.1%

Interest On Balances With Rbi Other Inter Bank Funds

1,527.52

1,484.77

42.75

2.88%

Interest / Discount On Advances / Bills

19,625.04

23,081.05

-3,456.01

-14.97%

Others

80.20

671.19

-590.99

-88.05%

Other Income

4,995.82

7,053.84

-2,058.02

-29.18%

Total Income

31,646.06

38,597.73

-6,951.67

-18.01%

Interest Expended

17,837.87

22,402.70

-4,564.83

-20.38%

Net Interest Income

8,812.37

9,141.19

-328.82

-3.6%

Total Expenditure (Excl Depreciation)

6,994.24

7,606.90

-612.66

-8.05%

Employee Cost

3,908.65

4,822.25

-913.60

-18.95%

Other Operating Expenses

3,085.59

2,784.65

300.94

10.81%

Operating Profit Before Provisions and Contingencies

6,813.95

8,588.13

-1,774.18

-20.66%

Exceptional Items

0.00

Provisions and contingencies

1,396.73

2,354.17

-957.44

-40.67%

Profit Before Tax

5,417.22

6,233.96

-816.74

-13.1%

Tax

1,168.14

1,460.00

-291.86

-19.99%

Profit After Tax

4,249.08

4,773.96

-524.88

-10.99%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,249.08

4,773.96

-524.88

-10.99%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.57

5.26

0.31

5.89%

Diluted Earnings per share

5.57

5.26

0.31

5.89%

Operating Profit Margin (Excl OI)

68.51%

68.42%

0.00

0.09%

Gross Profit Margin

20.33%

19.76%

0.00

0.57%

PAT Margin

15.94%

15.13%

0.00

0.81%

Net Interest Margin

2.67%

2.50%

0.17

0.17%

Return on Assets

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 26650.24 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -2.36% vs -1.44% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.22% vs 8.63% in Sep 2024

Quarterly - Net Profit

Net Profit 4,249.08 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 3.25% vs -17.44% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -9.97% vs 34.41% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 6,813.95 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -1.37% vs -10.28% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -16.01% vs 12.35% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.55%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.01% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.43% vs -0.32% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.29%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.23% vs -0.08% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -1.07% vs -2.02% in Sep 2024