UNION BANK OF INDIA Q1 FY26 Results

Summary

The Board of Directors of Union Bank of India approved the accounts for the Quarter ended June 30, 2025. The bank reported a 11.87% YoY increase in net profit, with interest income growing by 3.53% YoY. Total business increased by 5.01% YoY, with gross advances up by 6.83% YoY and total deposits growing by 3.63% YoY. The bank's total business stands at Rs. 22,14,422 Crores as of June 30, 2025. The bank's Global deposits have increased by 3.63% YoY, with a total deposit base of Rs. 12,39,933 Crores as of June 30, 2025. The Retail, Agri and MSME (RAM) segments increased by 10.34% YoY, with retail and MSME advances growing by 25.63% and 17.65% respectively. Gross NPA (%) reduced by 102 bps to 3.52% and Net NPA (%) reduced by 28 bps to 0.62% as of June 30, 2025. CRAR improved from 17.02% to 18.30% and CET-1 ratio improved from 13.81% to 15.30% as of June 30, 2025. The bank's Return on Assets and Return on Equity stands at 1.11% and 15.15% respectively during Q1FY26.

Key Highlights

1. 1

   Net Profit increased by 11.87% YoY

2. 2

   Interest income grew by 3.53% YoY

3. 3

   Total Business increased by 5.01% YoY

4. 4

   Gross Advances increased by 6.83% YoY

5. 5

   Total Deposits grew by 3.63% YoY

6. 6

   Bank has a total Business of Rs. 22,14,422 Crores as on June 30, 2025

7. 7

   Global deposits have increased by 3.63% YoY

8. 8

   Bank now has total deposits base of Rs. 12,39,933 Crores as on June 30, 2025

9. 9

   RAM Segment increased by 10.34% YoY

10. 10

    Gross NPA (%) reduced by 102 bps to 3.52%

11. 11

    Net NPA (%) reduced by 28 bps to 0.62%

12. 12

    CRAR improved from 17.02% to 18.30%

13. 13

    CET-1 ratio improved from 13.81% to 15.30%

14. 14

    Bank’s Return on Assets & Return on Equity stands at 1.11% and 15.15% respectively