Financials of Union Bank of India

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Union Bank of India

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +22,16323,61324,73225,52126,51026,52726,88726,72027,86927,47526,20526,81926,676
Interest13,81014,66415,49816,23616,96617,00417,72017,35018,24518,23117,24717,37017,005
Expenses +10,0417,9787,9628,0129,3659,3678,6868,0969,6738,8449,0567,9948,744
Financing Profit-1,6889711,2711,2731791564801,274-49400-981,455927
Financing Margin %-8%4%5%5%1%1%2%5%-0%1%-0%5%3%
Other Income +5,6014,2094,2214,2815,1024,7995,9264,6146,2234,8695,5505,1835,999
Depreciation0000000000000
Profit before tax3,9125,1805,4925,5545,2814,9546,4065,8896,1755,2695,4536,6386,926
Tax %28%37%35%35%37%27%26%22%19%21%21%24%23%
Net Profit +2,8123,2723,5723,6253,3283,6424,7514,6235,0114,4284,4265,0735,504
EPS in Rs4.114.794.824.894.364.776.226.066.565.805.806.657.21
Gross NPA %
Net NPA %

Financials of Union Bank of India

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +32,16432,31632,81732,95234,31437,47969,31168,23081,163100,376108,417106,799
Interest23,64023,89423,77623,47123,89625,83744,11240,17848,03363,36470,73369,477
Expenses +9,49810,34913,87121,18119,01921,16636,27032,26436,15532,42234,73834,638
Financing Profit-973-1,928-4,830-11,700-8,601-9,523-11,071-4,213-3,0244,5902,9462,684
Financing Margin %-3%-6%-15%-36%-25%-25%-16%-6%-4%5%3%3%
Other Income +3,9573,9345,4305,4625,0425,78914,30713,52415,91517,81321,56221,601
Depreciation2252492413683744179087457458961,0840
Profit before tax2,7591,758359-6,607-3,933-4,1512,3278,56612,14721,50723,42424,284
Tax %36%24%-58%-21%-25%-27%-22%39%31%36%23%23%
Net Profit +1,7711,347573-5,212-2,922-3,1212,8635,2658,51213,79718,02719,430
EPS in Rs27.6919.738.33-44.61-16.58-9.124.477.7012.4518.0723.6225.45
Dividend Payout %22%10%0%0%0%0%0%25%24%20%20%20%

Financials of Union Bank of India

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6366876871,1691,7633,4236,4076,8356,8357,6347,6347,738
Reserves19,26322,36123,40624,08325,07330,56758,33164,02671,96989,964106,200125,814
Deposits325,990344,118377,195410,288417,505452,436925,6541,034,3681,120,3221,224,5931,312,2911,309,759
Borrowing26,62830,63741,22645,68043,27652,71451,92251,24542,73726,97427,49077,798
Other Liabilities +11,0489,56213,1679,90010,96416,36940,06337,29246,49552,83157,71466,395
Total Liabilities383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,3571,401,9961,511,3291,587,503
Fixed Assets +2,6903,9393,8963,8243,7434,7347,3037,1718,8269,2249,76511,660
CWIP4132134445463372236590
Investments85,81890,573113,441125,485128,391154,251339,059351,839343,727343,953361,903343,623
Other Assets +295,053312,840338,322361,777366,402396,470735,952834,718935,7821,048,7831,139,6021,232,220
Total Assets383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,3571,401,9961,511,3291,587,503

Financials of Union Bank of India

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-3,56781-6,6246,097-7,778-7,68120,52736,3396,05619,93017,479-35,798
Cash from Investing Activity +-318-9-280-315-297-377-601-558-2,561-1,394-1,891-7,075
Cash from Financing Activity +3,168-210,19410,7921,75820,144-18,861-786-10,654-11,489-3,5507,729
Net Cash Flow-718703,28916,574-6,31712,0861,06634,995-7,1597,04712,038-35,145
Free Cash Flow-3,90972-6,9115,782-8,076-8,05819,92635,8973,67318,62415,832-38,831
CFO/OP-13%0%-27%74%-45%-55%63%103%21%34%25%-49%

Financials of Union Bank of India

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%6%2%-21%-11%-10%6%8%11%16%17%16%