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Q4 FY25Banks

Union Bank of India Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹183
Market cap₹1.4L Cr
P/E6.9
Updated23 Aug 2026
Read4 min read

The short version

Credit growth for FY25 was 8.6%, below the guidance of 11-13%; deposit growth was 7.2% vs 9-11% guidance. Bank reported highest-ever annual net profit of INR 17,987 crores for FY '25, up 32% YoY, with Q4 net profit growth of 51% YoY. - Operating profit grew 10% YoY to INR 31,090 crores in FY '25. - NIM stood at 2.91% for FY '25, within guided range, though recent RBI policy rate cuts may exert downward pressure on NIM in near term. - Credit growth moderated to 8.6% vs.

From Union Bank of India's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Credit growth for FY25 was 8.6%, below the guidance of 11-13%; deposit growth was 7.2% vs 9-11% guidance.
  • Retail lending grew 22%, MSME grew 12.5%, while large corporate advances were deliberately kept flat to focus on profitable growth.
  • The Bank aims to align credit growth with GDP, expecting around 6% growth for FY26, reflecting cautious optimism amid uncertainties.
  • Sanctioned corporate book stands at ~INR 37,000 crores with another INR 30,000 crores in the pipeline, indicating steady growth in the corporate segment.

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Profitability & Margins

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

Capital Expenditure Plans

The transcript does not explicitly mention any current or future capex, capital investments, or strategic investments by Union Bank of India. However, some relevant points include: - The bank has made significant investments in technology and digital transformation to enhance sourcing, underwriting, collections, monitoring, and overall operation efficiency. - Union Bank has been entrusted to sponsor the newly amalgamated Andhra Pradesh Grameena Bank effective May 1, 2025, reflecting a strategic leadership role in rural transformation.

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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
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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

  • Union Bank of India has an already sanctioned book of around INR 37,000 crores.
  • There is an additional pipeline of proposals worth approximately INR 30,000 crores.
  • The bank expects credit growth in the coming quarters to follow a similar trend to what was seen in Q4 FY25.

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

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Continue your research

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

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Frequently Asked Questions

What were Union Bank of India Q4 FY25 results?

Credit growth for FY25 was 8.6%, below the guidance of 11-13%; deposit growth was 7.2% vs 9-11% guidance. Bank reported highest-ever annual net profit of INR 17,987 crores for FY '25, up 32% YoY, with Q4 net profit growth of 51% YoY. - Operating profit grew 10% YoY to INR 31,090 crores in FY '25. - NIM stood at 2.91% for FY '25, within guided range, though recent RBI policy rate cuts may exert downward pressure on NIM in near term. - Credit growth moderated to 8.6% vs.

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 6.9 with a market cap of ₹143,038 Cr. Investors should review the full earnings analysis for detailed insights.

Is Union Bank of India planning capital expenditure?

The transcript does not explicitly mention any current or future capex, capital investments, or strategic investments by Union Bank of India.

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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.