Union Bank (I)

Q2 FY27Banks

Union Bank (I) Q2 FY27 investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹172

Market cap₹1.3L Cr

P/E6.4

Updated19 Oct 2026

Read5 min read

Based on Union Bank (I)'s Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Interest Income for Sep-26 quarter: ₹28,158 crore, up 7.51% YoY. - Interest Expense for Sep-26 quarter: ₹17,576 crore, up 1.14% YoY. - Net Interest Income for Sep-26 quarter: ₹10,583 crore, up 20.09% YoY. - Non-Interest Income for Sep-26 quarter: ₹4,651 crore, down 6.90% YoY. - Operating Income for Sep-26 quarter: ₹15,234 crore, up 10.33% YoY. - Operating Profit for Sep-26 quarter: ₹8,108 crore, up 18.99% YoY. - Net Profit for Sep-26 quarter: ₹5,537 crore, up 30.31% YoY. - Global Business at Sep-26: ₹24,75,330 crore, increasing by 12.01% YoY. - Global Deposits at Sep-26: ₹13,19,455 crore, increasing by 6.87% YoY. - Global Advances at Sep-26: ₹11,55,876 crore, increasing by 18.53% YoY. No explicit forward-looking revenue or volume outlook is stated in the presentation. EBITDA (Operating Profit) for Q2 Sep-26: ₹8,108 crore, up 18.99% YoY (Page 14, 5) - Operating Margin: Not explicitly stated, but operating profit and income figures available (Operating Income Q2 Se

From Union Bank (I)'s Q2 FY27 earnings-call transcript · updated 19 Oct 2026.

Revenue & Sales Performance

Interest Income for Sep-26 quarter: ₹28,158 crore, up 7.51% YoY.
Interest Expense for Sep-26 quarter: ₹17,576 crore, up 1.14% YoY.
Net Interest Income for Sep-26 quarter: ₹10,583 crore, up 20.09% YoY.
Non-Interest Income for Sep-26 quarter: ₹4,651 crore, down 6.90% YoY.
Operating Income for Sep-26 quarter: ₹15,234 crore, up 10.33% YoY.
Operating Profit for Sep-26 quarter: ₹8,108 crore, up 18.99% YoY.
Net Profit for Sep-26 quarter: ₹5,537 crore, up 30.31% YoY.
Global Business at Sep-26: ₹24,75,330 crore, increasing by 12.01% YoY.

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Profitability & Margins

EBITDA (Operating Profit) for Q2 Sep-26: ₹8,108 crore, up 18.99% YoY (Page 14, 5)
Operating Margin: Not explicitly stated, but operating profit and income figures available (Operating Income Q2 Sep-26: ₹15,234 crore, Operating Profit: ₹8,108 crore, implying ~53.2% operating margin for the quarter) (Page 14)
Profit After Tax (PAT) for Q2 Sep-26: ₹5,537 crore, up 30.31% YoY (Page 14, 5)
No explicit margin outlook is stated in the presentation; forward-looking statements include risks and uncertainties but do not specify margin guidance (Page 31)

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Capital Expenditure Plans

The investor presentation "3536.pdf" does not explicitly detail any capital expenditure (capex), capacity expansion projects, or new plant/project developments with specific amounts, status, or timelines. The document primarily focuses on banking financials, asset quality, ecosystem banking pillars, digital initiatives, asset and liability growth, credit portfolio composition, capital adequacy, and credit quality data. Key points related to investments or digital initiatives include: - Board-approved capital plan for FY27 totaling ₹8,000 crore for Tier I, AT-1, and Tier II capital instruments, not plant or project capex. - Digital initiatives such as Digital Agri Cattle Term Loan, Insta OD for individuals, and new loan products launched in Q2 FY 2026-27, but no investment amounts or capacity expansions detailed. - Additional provisions totaling ₹1,000 crore (across Mar-Jun-Sep 2026) to strengthen the balance sheet, unrelated to capex or projects. No direct references to manufacturing or physical plant capacity expansions are found in the provided pages.

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Fundraising & Capital Structure

Based on the investor presentation (pages 1-31), there is no explicit mention of any fundraising through debt or equity, nor is there a stated change in borrowings or net debt. Specifically: - The presentation details capital adequacy and board-approved capital plans for FY27 (Page 21), showing planned equity, AT-1, and Tier-2 capital issuance totaling ₹8,000 crore (Equity ₹3,000 crore, AT-1 ₹3,000 crore, Tier-2 ₹5,000 crore). However, this is a planned capital injection and does not explicitly confirm completed fundraising. - There is no mention of new debt borrowings or net debt changes anywhere in the presentation.

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Order Book & Pipeline

The investor presentation for Union Bank of India reports the following regarding order book, order inflow, or pending orders: - The presentation does not explicitly mention or report on "order book," "order inflow," or "pending orders." - It primarily focuses on financial results, business performance, asset quality, digital initiatives, ecosystem banking pillars, group entities, awards, and other banking-specific metrics.

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What Union Bank of India's management said in earlier quarters

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Frequently Asked Questions

What were Union Bank (I) Q2 FY27 results?

What is Union Bank (I) share price analysis?

Union Bank (I) currently shows a neutral. The stock trades at a P/E of 6.3 with a market cap of ₹131,054 Cr. Investors should review the full earnings analysis for detailed insights.

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

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Banks

Fundraising & Capital Structure

Order Book & Pipeline

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What Union Bank of India's management said in earlier quarters

Others in Banks this season

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Frequently Asked Questions

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