Arthneeti
UB

Union Bank of India

Q2 FY26Banks

Union Bank of India Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹172
Market cap₹1.3L Cr
P/E6.3
Updated16 Oct 2026
Read4 min read

The short version

The bank aims for accelerated growth, targeting business size of Rs. Union Bank aims for sustainable and accelerated growth, targeting business size of Rs.

From Union Bank of India's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

  • The bank aims for accelerated growth, targeting business size of Rs. 31-32 lakh crores within 3 years.
  • Aspires to achieve system-level loan growth of 12-14%, moving from current ~4.8% growth.
  • Growth focus on retail, MSME, mid-corporate, and large corporate segments for credit expansion.
  • Retail and MSME lending growing at 23.98% and 14.88% respectively; intention to increase RAM sector share from 55% to ~58-59%.
  • Plans to increase CASA ratio by 1-1.5% going forward to strengthen low-cost deposits.
  • Expected sustainable business growth of 9-10% annually on both asset and liability sides.

2 more points from Union Bank of India's call on revenue

Pro opens every point from 15K+ earnings calls

Profitability & Margins

See what Union Bank of India said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The transcript on the provided pages does not explicitly mention any specific current or future capex, capital investment, or strategic investment plans of Union Bank of India. However, there are some strategic directions and initiatives emphasized: - Focus on sustainable business growth with a calibrated balance between top-line expansion and bottom-line strength. - Plans to launch some digital initiatives such as mobile banking for business people. - Emphasis on building a diversified loan portfolio by increasing the share of retail, agriculture, and MSME lending. - A rolling strategy document for 1, 3, and 5 years under preparation including subsidiaries and joint ventures.

2 more points from Union Bank of India's call on capex

Pro opens every point from 15K+ earnings calls

Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Union Bank of India said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided pages from the Union Bank of India document do not contain specific information about the bank's current or expected order book or pending orders. The content mainly covers: - Discussions about trading book gains, HTM securities, asset duration, and credit risk. - Strategy discussions on business growth, loan portfolio mix, and treasury income. - Commentary on cost of deposits, provisions, and segment-wise credit growth (Retail, MSME, Corporate).

2 more points from Union Bank of India's call on order book

Pro opens every point from 15K+ earnings calls

Continue your research

What Union Bank (I)'s management said in earlier quarters

Others in Banks this season

  • Karnataka Bank Ltd (Q2 FY26)

    Net book accretion of INR 392 crores Q-on-Q in the RAM segment. Key concall takeaways from Karnataka Bank Ltd's Q2 FY26 earnings call — and how it ranks…

  • Jana Small Finan (Q2 FY26)

    PAT growth for current financial year moderated to 0% . Key concall takeaways from Jana Small Finance Bank Ltd's Q2 FY26 earnings call — and how it ranks…

  • Ujjivan Small (Q2 FY26)

    Vehicle finance book growing strongly (17% Q-o-Q), with focus on Tier 1 and 2 cities. Key concall takeaways from Ujjivan Small's Q2 FY26 earnings call — and…

  • IDFC First Bank (Q2 FY26)

    The Retail, Rural, MSME loan book has grown 5 times from around INR 35,000 crores in 2018 to about INR 2,10,000 crores, indicating strong base effect for…

Compare:vs HDFC Bankvs ICICI Bankvs SBI

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Union Bank of India and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Union Bank of India Q2 FY26 results?

The bank aims for accelerated growth, targeting business size of Rs. Union Bank aims for sustainable and accelerated growth, targeting business size of Rs.

What is Union Bank of India share price analysis?

Union Bank of India currently shows a neutral. The stock trades at a P/E of 6.3 with a market cap of ₹130,811 Cr. Investors should review the full earnings analysis for detailed insights.

Is Union Bank of India planning capital expenditure?

The transcript on the provided pages does not explicitly mention any specific current or future capex, capital investment, or strategic investment plans of Union Bank of India.

Keep Union Bank of India on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.