Union Bank of India has informed the Exchange about Investor Presentation
UNIONBANK · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Union Bank of India reported strong Q4 FY26 results with net profit up 6.64% year-on-year to ₹5,316 crore, driven by improved asset quality. The bank achieved significant reduction in gross non-performing assets, with GNPA declining to 2.82% from 3.60% a year ago, and net NPA falling to 0.48%. Credit cost dropped sharply to 0.16% from 0.69%, indicating better loan performance. However, net interest margin compressed to 2.64% from 2.87% in Q4 FY25, reflecting margin pressure from competitive lending rates and higher funding costs. For the full year, the bank posted net profit of ₹18,697 crore, up 3.95%, while NIM for FY26 stood at 2.70% versus 2.91% in FY25. Global advances grew 9.74% year-on-year to ₹10.79 lakh crore, with retail, agriculture, and MSME segments showing robust 12.56% growth. The bank maintained healthy capital adequacy with CRAR at 18.10% and CET-I at 15.69%.
The bank delivered strong profitability growth with substantial improvement in asset quality, which is positive for shareholders. However, the continued NIM compression raises concerns about sustainable earnings growth in a competitive banking environment, and investors should monitor whether the bank can maintain margins while pursuing credit growth.