Cash flow Union Bank of India

Equities

UNIONBANK

INE692A01016

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:05 13/02/2026 pm IST			5-day change	1st Jan Change
178.87 ^INR	-1.18%		+0.42%	+16.33%

04/02	149,218,639 Equity Shares of National Securities Depository Limited are subject to a Lock-Up Agreement Ending on 4-FEB-2026.	CI
28/01	Union Bank of India Announces CFO Changes	CI

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Published financial data: UNION BANK OF INDIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	69TCr	68TCr	81TCr	1,00400Cr	1,08400Cr
Interest Income, Total	69TCr	68TCr	81TCr	1,00400Cr	1,08400Cr
Interest On Deposits	44TCr	40TCr	48TCr	63TCr	71TCr
Interest Expense, Total	44TCr	40TCr	48TCr	63TCr	71TCr
Net Interest Income	25TCr	28TCr	33TCr	37TCr	38TCr
Gain (Loss) on Sale of Assets	21Cr	-34.89L	-1.49Cr	2.17Cr	2.21Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.33TCr	3.39TCr	1.12TCr	2.12TCr	3.38TCr
Total Other Non Interest Income	9.55TCr	10TCr	15TCr	16TCr	18TCr
Non Interest Income, Total	14TCr	14TCr	16TCr	18TCr	22TCr
Revenues Before Provison For Loan Losses	39TCr	42TCr	49TCr	55TCr	59TCr
Provision For Loan Losses	17TCr	17TCr	13TCr	6.81TCr	7.78TCr
Total Revenues	22TCr	25TCr	36TCr	48TCr	51TCr
Salaries And Other Employee Benefits	9.23TCr	10TCr	13TCr	15TCr	15TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-1.41Cr	-
Occupancy Expense	2.65TCr	2.17TCr	2.2TCr	2.35TCr	2.71TCr
Selling General & Admin Expenses, Total	653.54Cr	704.16Cr	825.7Cr	933.44Cr	976.6Cr
(Income) Loss on Equity Invest.	-35Cr	-57Cr	-81Cr	-88Cr	-105.79Cr
Total Other Non Interest Expense	7.21TCr	6.57TCr	7.94TCr	8.63TCr	9.36TCr
Non Interest Expense, Total	20TCr	20TCr	23TCr	26TCr	28TCr
EBT, Excl. Unusual Items	2.36TCr	5.27TCr	12TCr	22TCr	24TCr
EBT, Incl. Unusual Items	2.36TCr	5.27TCr	12TCr	22TCr	24TCr
Income Tax Expense	-500.84Cr	-	3.72TCr	7.8TCr	5.5TCr
Earnings From Continuing Operations	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Net Income to Company	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Net Income to Common Incl Extra Items	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Net Income to Common Excl. Extra Items	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Per Share Items
Net EPS - Basic	4.47	7.77	12.45	19.15	23.62
Basic EPS - Continuing Operations	4.47	7.77	12.45	19.15	23.62
Basic Weighted Average Shares Outstanding	640.68Cr	677.26Cr	683.47Cr	720.31Cr	763.36Cr
Net EPS - Diluted	4.47	7.77	12.45	19.15	23.62
Diluted EPS - Continuing Operations	4.47	7.77	12.45	19.15	23.62
Diluted Weighted Average Shares Outstanding	640.68Cr	677.26Cr	683.47Cr	720.31Cr	763.36Cr
Normalized Basic EPS	2.3	4.86	11.18	18.74	19.26
Normalized Diluted EPS	2.3	4.86	11.18	18.74	19.26
Dividend Per Share	-	1.9	3	3.6	4.75
Payout Ratio	-	-	15.26	14.86	15.24
Supplemental Items
Effective Tax Rate - (Ratio)	-21.2	-	30.39	36.11	23.39
Normalized Net Income	1.48TCr	3.29TCr	7.64TCr	13TCr	15TCr
Non-Cash Pension Expense	1.92TCr	1.04TCr	1.9TCr	2.29TCr	1.79TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	51TCr	77TCr	2.84TCr	69TCr	44TCr
Investment Securities, Total	3,39100Cr	3,51800Cr	3,73500Cr	3,44000Cr	3,61900Cr
Total investments	3,39100Cr	3,51800Cr	3,73500Cr	3,44000Cr	3,61900Cr
Gross Loans	5,93300Cr	6,63400Cr	7,95700Cr	8,74100Cr	9,56700Cr
Net Loans	5,93300Cr	6,63400Cr	7,95700Cr	8,74100Cr	9,56700Cr
Gross Property Plant And Equipment	15TCr	15TCr	17TCr	18TCr	19TCr
Accumulated Depreciation	-7.83TCr	-8.35TCr	-8.83TCr	-9.36TCr	-10TCr
Net Property Plant And Equipment	7.07TCr	6.97TCr	8.66TCr	9.03TCr	9.35TCr
Goodwill	-	-	-	-	-
Other Intangibles, Total	300.34Cr	241.46Cr	191.89Cr	233.09Cr	477.88Cr
Accrued Interest Receivable	6.17TCr	7.78TCr	9.19TCr	11TCr	11TCr
Other Receivables	-	-	1.16TCr	-	-
Restricted Cash	34TCr	42TCr	47TCr	51TCr	88TCr
Other Current Assets, Total	7.84TCr	8.38TCr	11TCr	7.13TCr	3.48TCr
Deferred Tax Assets Long-Term (Collected)	16TCr	12TCr	8.66TCr	3.71TCr	2.75TCr
Other Real Estate Owned And Foreclosed	12.38L	13.34L	13.34L	13.34L	13.34L
Other Long-Term Assets, Total	28TCr	23TCr	30TCr	33TCr	34TCr
Total Assets	10,82400Cr	11,93800Cr	12,88400Cr	14,02000Cr	15,11300Cr
Liabilities
Interest Bearing Deposits	8,61900Cr	9,61700Cr	10,46300Cr	11,50800Cr	12,26000Cr
Non-Interest Bearing Deposits	64TCr	73TCr	74TCr	74TCr	86TCr
Total Deposits	9,25700Cr	10,34400Cr	11,20300Cr	12,24600Cr	13,12300Cr
Long-Term Debt	52TCr	51TCr	43TCr	27TCr	27TCr
Accrued Interest Payable	3.18TCr	4.55TCr	6.03TCr	5.25TCr	6.36TCr
Other Current Liabilities - (Bank / Utility Template)	2.3TCr	2.69TCr	2.65TCr	2.64TCr	2.75TCr
Other Non Current Liabilities	35TCr	30TCr	38TCr	45TCr	49TCr
Total Liabilities	10,17600Cr	11,22900Cr	12,09600Cr	13,04400Cr	13,97500Cr
Common Stock, Total	6.41TCr	6.83TCr	6.83TCr	7.63TCr	7.63TCr
Additional Paid In Capital	17TCr	18TCr	18TCr	26TCr	26TCr
Retained Earnings	30TCr	33TCr	40TCr	51TCr	66TCr
Comprehensive Income and Other	11TCr	12TCr	13TCr	13TCr	15TCr
Total Common Equity	65TCr	71TCr	79TCr	97TCr	1,13700Cr
Minority Interest	104Cr	104Cr	104Cr	104Cr	104Cr
Total Equity	65TCr	71TCr	79TCr	98TCr	1,13800Cr
Total Liabilities And Equity	10,82400Cr	11,93800Cr	12,88400Cr	14,02000Cr	15,11300Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	640.68Cr	683.47Cr	683.47Cr	763.36Cr	763.36Cr
ECS Total Common Shares Outstanding	640.68Cr	683.47Cr	683.47Cr	763.36Cr	763.36Cr
Book Value / Share	100.88	103.53	115.15	127.72	148.99
Tangible Book Value	64TCr	71TCr	79TCr	97TCr	1,13300Cr
Tangible Book Value Per Share	100.41	103.17	114.87	127.41	148.36
Total Debt	52TCr	51TCr	43TCr	27TCr	27TCr
Deposits at Interest - Cash	47TCr	74TCr	62TCr	67TCr	42TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-100.08Cr	1.44TCr	379.86Cr	560.02Cr	3.79Cr
Net Debt	1.26TCr	-26TCr	10TCr	-42TCr	-16TCr
Equity Method Investments, Total	-	-	-	438.38Cr	682.22Cr
Full Time Employees	78.2T	75.2T	75.59T	75.87T	73.94T
Number Of Offices	9.32T	8.87T	8.58T	8.47T	8.62T
Assets on Operating Lease - Gross	27Cr	27Cr	31Cr	-	-
Assets on Operating Lease - Accumulated Depreciation	-27Cr	-27Cr	-31Cr	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	2.86TCr	5.27TCr	8.51TCr	14TCr	18TCr
Depreciation, Depletion & Amortization	908.15Cr	738.09Cr	744.57Cr	895.93Cr	1.08TCr
Total Depreciation, Depletion & Amortization	908.15Cr	738.09Cr	744.57Cr	895.93Cr	1.08TCr
Minority Interest in Earnings - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-21Cr	35L	-1.49Cr	-2.17Cr	-2.21Cr
(Gain) Loss on Sale of Investments - (CF)	556.24Cr	200.48Cr	1.67TCr	880.7Cr	-3.37TCr
Provision for Credit Losses	15TCr	13TCr	11TCr	7.12TCr	7.36TCr
(Income) Loss On Equity Investments - (CF)	35Cr	57Cr	81Cr	88Cr	105.79Cr
Change in Other Net Operating Assets (Collected)	-58TCr	-97TCr	-1,03800Cr	-1,10500Cr	-98TCr
Other Operating Activities	3.47TCr	5.06TCr	1.52TCr	3.41TCr	4.73TCr
Cash from Operations	-35TCr	-72TCr	-80TCr	-84TCr	-70TCr
Capital Expenditure	-718.98Cr	-749.53Cr	-3.07TCr	-1.65TCr	-1.67TCr
Sale of Property, Plant, and Equipment	117.89Cr	307.88Cr	682.8Cr	343.2Cr	22Cr
Cash Acquisitions	-	-116.06Cr	-178.3Cr	-88Cr	-243.83Cr
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-	-	1L
Cash from Investing	-601.09Cr	-557.71Cr	-2.56TCr	-1.39TCr	-1.89TCr
Long-Term Debt Issued, Total	3.7TCr	7TCr	983Cr	-	515.53Cr
Total Debt Issued	3.7TCr	7TCr	983Cr	-	515.53Cr
Long-Term Debt Repaid, Total	-21TCr	-7.68TCr	-8.75TCr	-16TCr	-
Total Debt Repaid	-21TCr	-7.68TCr	-8.75TCr	-16TCr	-
Issuance of Common Stock	-	1.44TCr	-	7.97TCr	133.46Cr
Common Dividends Paid	-	-	-1.3TCr	-2.05TCr	-2.75TCr
Common & Preferred Stock Dividends Paid	-	-	-1.3TCr	-2.05TCr	-2.75TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	55TCr	1,08700Cr	86TCr	1,04300Cr	88TCr
Other Financing Activities, Total	-1.6TCr	-1.55TCr	-1.59TCr	-1.65TCr	-1.45TCr
Cash from Financing	36TCr	1,07900Cr	75TCr	93TCr	84TCr
Miscellaneous Cash Flow Adjustments	28TCr	-1L	1L	-	1L
Net Change in Cash	29TCr	35TCr	-7.1TCr	7.05TCr	12TCr
Supplemental Items
Cash Interest Paid	1.6TCr	1.55TCr	1.59TCr	1.65TCr	1.45TCr
Cash Income Tax Paid (Refund)	228.64Cr	543.88Cr	3.28TCr	3.02TCr	705.7Cr
Net Debt Issued / Repaid	-17TCr	-677.04Cr	-7.77TCr	-16TCr	515.53Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.35	0.46	0.69	1.03	1.24
Return On Equity %	5.8	7.77	11.37	15.64	17.05
Return on Common Equity	5.81	7.78	11.39	15.66	17.07
Shareholders Value Added	-3.05TCr	-2.86TCr	-455.73Cr	3.23TCr	5.35TCr
Margin Analysis
SG&A Margin	62.26	57.4	47.5	39.87	39.05
Net Interest Income / Total Revenues %	114.13	112.61	92.97	77.09	73.22
EBT Excl. Non-Recurring Items Margin %	10.7	21.14	34.32	44.98	45.72
Income From Continuing Operations Margin %	12.97	21.14	23.89	28.74	35.03
Net Income Margin %	12.97	21.14	23.89	28.74	35.03
Net Avail. For Common Margin %	12.97	21.14	23.89	28.74	35.03
Normalized Net Income Margin	6.69	13.21	21.45	28.11	28.57
Asset quality
Nonperforming Loans / Total Loans %	15.13	12	7.66	4.93	3.69
Nonperforming Loans / Total Assets %	8.3	6.67	4.73	3.07	2.34
Nonperforming Assets / Total Assets %	8.3	6.67	4.73	3.07	2.34
NPAs / Loans and OREO	15.13	12	7.66	4.93	3.69
NPAs / Equity	138.7	112.31	77.39	44.16	31.05
Provision for Loan Losses / Net Charge-offs %	142.14	113.55	206.93	69.13	-491.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.02	5.95	6.02	6.55	7.25
Total Average Equity / Total Average Assets %	6.03	5.96	6.03	6.56	7.26
Total Equity + Allowance for Loan Losses / Total Loans %	10.89	10.67	9.89	11.15	11.89
Gross Loans / Total Deposits %	64.1	64.13	71.02	71.38	72.91
Net Loans / Total Deposits %	64.1	64.13	71.02	71.38	72.91
Tier 1 Capital Ratio %	10.32	12.17	13.89	14.99	16.26
Total Capital Ratio %	12.52	14.48	16.01	16.94	18.02
Core Tier 1 Capital Ratio	9.04	10.61	12.35	13.65	15
Tier 2 Capital Ratio	2.2	2.31	2.11	1.96	1.76
Interbank Ratio	209.32	464.73	187.63	185.53	18.22
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.05	1.13	1.25	1.34	1.33
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	116.44	11.32	18.11	11.72	1.82
Non Interest Income, 1 Yr. Growth %	140.08	-5.47	17.68	11.92	21.05
Provision For Loan Losses, 1 Yr. Growth %	27.06	-1.55	0.79	-49.22	14.2
Total Revenues, 1 Yr. Growth %	446.96	10.33	26.05	34.74	7.19
Earnings From Cont. Operations, 1 Yr. Growth %	-191.75	83.88	61.66	62.1	30.66
Net Income, 1 Yr. Growth %	-191.75	83.88	61.66	62.1	30.66
Normalized Net Income, 1 Yr. Growth %	-155.84	83.88	41.8	76.62	8.95
Diluted EPS Before Extra, 1 Yr. Growth %	-133.23	73.85	60.23	53.82	23.32
Dividend Per Share, 1 Yr. Growth %	-	-	57.89	20	31.94
Gross Loans, 1 Yr. Growth %	86.77	11.8	19.95	14.37	9.46
Net Loans, 1 Yr. Growth %	86.77	11.8	19.95	14.37	9.46
Non Performing Loans, 1 Yr. Growth %	82.92	-11.36	-23.37	-29.33	-17.98
Non Performing Assets, 1 Yr. Growth %	82.92	-11.36	-23.37	-29.33	-17.98
Total Assets, 1 Yr. Growth %	94.84	10.29	7.92	8.82	7.8
Total Deposits, 1 Yr Growth %	104.59	11.74	8.31	9.31	7.16
Tangible Book Value, 1 Yr. Growth %	90.31	9.61	11.33	23.89	16.44
Common Equity, 1 Yr. Growth %	90.74	9.47	11.22	23.88	16.65
Total Equity, 1 Yr. Growth %	90.46	9.46	11.21	23.85	16.64
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	55.53	55.22	14.66	14.87	6.65
Non Interest Income, 2 Yr. CAGR %	66.04	52.84	5.47	14.76	16.4
Provision For Loan Losses, 2 Yr. CAGR %	21.46	11.54	-10.98	-28.46	-23.85
Total Revenues, 2 Yr. CAGR %	137.23	148.42	25.62	30.33	20.18
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.01	29.89	72.41	61.88	45.53
Net Income, 2 Yr. CAGR %	-1.01	29.89	72.41	61.88	45.53
Normalized Net Income, 2 Yr. CAGR %	-22.39	11.55	106.65	58.26	38.72
Diluted EPS Before Extra, 2 Yr. CAGR %	-57.61	-23.99	66.9	56.99	37.72
Dividend Per Share, 2 Yr. CAGR %	-	-	-	37.65	25.83
Gross Loans, 2 Yr. CAGR %	40.92	44.5	15.81	14.79	11.88
Net Loans, 2 Yr. CAGR %	40.92	44.5	15.81	14.79	11.88
Non Performing Loans, 2 Yr. CAGR %	35.74	27.33	-17.58	-26.41	-23.87
Non Performing Assets, 2 Yr. CAGR %	35.74	27.33	-17.58	-26.41	-23.87
Total Assets, 2 Yr. CAGR %	47.34	46.59	9.1	8.37	8.31
Total Deposits, 2 Yr CAGR %	48.9	51.2	10.01	8.81	8.23
Tangible Book Value, 2 Yr. CAGR %	55.27	44.43	10.47	17.44	20.11
Common Equity, 2 Yr. CAGR %	55.5	44.5	10.35	17.38	20.21
Total Equity, 2 Yr. CAGR %	55.32	44.39	10.33	17.36	20.19
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	38.52	39.12	41.71	13.67	10.34
Non Interest Income, 3 Yr. CAGR %	36.52	38.95	40.09	7.58	16.82
Provision For Loan Losses, 3 Yr. CAGR %	9.64	13.04	0.04	-26.17	-16.39
Total Revenues, 3 Yr. CAGR %	121.55	85.18	106.67	28.59	22.11
Earnings From Cont. Operations, 3 Yr. CAGR %	-18.1	21.68	39.72	68.9	50.72
Net Income, 3 Yr. CAGR %	-18.1	21.68	39.72	68.9	50.72
Normalized Net Income, 3 Yr. CAGR %	-23.18	10.32	42.44	96.11	39.74
Diluted EPS Before Extra, 3 Yr. CAGR %	-59.84	-32.15	-2.54	62.42	44.85
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	35.72
Gross Loans, 3 Yr. CAGR %	26.87	30.46	35.81	13.79	12.98
Net Loans, 3 Yr. CAGR %	26.87	30.46	35.81	13.79	12.98
Non Performing Loans, 3 Yr. CAGR %	22.06	17.77	7.5	-21.7	-23.7
Non Performing Assets, 3 Yr. CAGR %	22.06	17.77	7.5	-21.7	-23.7
Total Assets, 3 Yr. CAGR %	30.14	33.78	32.37	9.01	8.18
Total Deposits, 3 Yr CAGR %	31.16	35.31	35.29	9.78	8.26
Tangible Book Value, 3 Yr. CAGR %	36.66	38.25	32.43	14.77	17.11
Common Equity, 3 Yr. CAGR %	36.79	38.33	32.43	14.68	17.14
Total Equity, 3 Yr. CAGR %	36.86	38.22	32.35	14.66	17.12
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	24.51	25.42	28.43	28.86	26.48
Non Interest Income, 5 Yr. CAGR %	28.71	20.02	23.85	28.72	30.08
Provision For Loan Losses, 5 Yr. CAGR %	34.39	18.64	0.76	-10	-10.3
Total Revenues, 5 Yr. CAGR %	21.11	27.55	77.36	65.02	66.38
Earnings From Cont. Operations, 5 Yr. CAGR %	16.27	55.85	10.3	36.4	42.01
Net Income, 5 Yr. CAGR %	16.12	55.85	10.3	36.4	42.01
Normalized Net Income, 5 Yr. CAGR %	5.86	70.57	18.59	40.66	40.94
Diluted EPS Before Extra, 5 Yr. CAGR %	-26.26	-1.38	-29	-5.09	11.92
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	17.21	18.16	22.32	23.95	24.67
Net Loans, 5 Yr. CAGR %	17.21	18.16	22.32	23.95	24.67
Non Performing Loans, 5 Yr. CAGR %	30.01	18.74	4.32	-2.43	-6.35
Non Performing Assets, 5 Yr. CAGR %	30.01	18.74	4.32	-2.43	-6.35
Total Assets, 5 Yr. CAGR %	21.58	21.24	21.27	22.97	22.16
Total Deposits, 5 Yr CAGR %	21.88	22.36	22.25	24.01	23.74
Tangible Book Value, 5 Yr. CAGR %	22.82	24	25.51	29.52	27.35
Common Equity, 5 Yr. CAGR %	22.9	24.04	25.53	29.54	27.4
Total Equity, 5 Yr. CAGR %	22.94	24.08	25.56	29.46	27.35