UNION BANK OF INDIA Q4 FY25 Results

Summary

Union Bank of India has reported a 31.79% increase in net profit and a 23.21% growth in non-interest income for the year ended March 31, 2025. The bank's total business increased by 7.82%, with gross advances growing by 8.62% and total deposits growing by 7.22. The bank's retail, agri and MSME (RAM) segment grew by 10.17%, with retail and MSME advances growing by 22.14% and 12.50% respectively. The bank's gross NPA reduced by 116 bps to 3.60% and net NPA reduced by 40 bps to 0.63%. The bank's CRAR improved from 16.97% to 18.02% and CET-1 ratio improved from 13.65% to 14.98%. The bank's return on assets improved by 23 bps to 1.26% and return on equity improved by 162 bps to 17.20%.

Key Highlights

1. 1

   Net Profit increased by 31.79% on YoY basis during FY25

2. 2

   Non-interest income of Bank grew by 23.21% on YoY basis during FY25

3. 3

   Total Business of the Bank increased by 7.82% YoY

4. 4

   RAM Segment of the Bank increased by 10.17% YoY

5. 5

   Gross NPA (%) reduced by 116 bps on YoY basis to 3.60% and Net NPA (%) reduced by 40 bps on YoY basis to 0.63% as on 31.03.2025

6. 6

   CRAR improved from 16.97% as on 31.03.2024 to 18.02% as on 31.03.2025

7. 7

   Return on Assets improved by 23 bps on YoY basis to 1.26% & Return on Equity improved by 162 bps on YoY basis to 17.20% during FY25