Union Bank of India has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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Union Bank of India reported a standalone net profit of ₹4,115.53 crore for Q1FY26, down about 17.5% from ₹4,984.92 crore in Q1FY25, even as total income rose modestly to ₹31,791.34 crore from ₹30,873.62 crore. Operating profit before provisions also fell to ₹6,908.66 crore from ₹7,700.15 crore, with operating margin compressing to 21.74% from 24.94% YoY. Asset quality improved sharply — Gross NPA ratio fell to 3.60% (from 4.54%) and Net NPA to 0.63% (from 1.11%), while Capital Adequacy Ratio strengthened to 18.30% (CET1 at 14.98%). Provision Coverage Ratio rose to 94.65% from 93.49% YoY. The board approved the results on July 19, 2025, and statutory auditors issued an unmodified limited review opinion on both standalone and consolidated results.
The PAT decline is a negative for the stock in the near term despite strong NPA improvement and stronger capital ratios; the earnings dip is mainly driven by lower operating profit (higher interest expended), though better asset quality and capital cushion provide long-term comfort.