Financial Ratios Union Bank of India

Equities

UNIONBANK

INE692A01016

Banks

Delayed NSE India S.E. Other stock markets 02:22:54 08/07/2025 pm IST			5-day change	1st Jan Change
149.29 ^INR	-1.89%		-3.49%	+23.99%

25/06	Board of Union Bank of India Approves to Raise Capital Up to INR 60.00 Billion	CI
24/06	Union Bank of India Announces Cessation of Shri Pankaj Dwivedi as Executive Director	CI

341a4f4a14.idPw0IbBmn0FPXVT7_IHsSYo4Cc267aHmffEFHeC9QY.xYSDit-ZqjJDcw80rbt91VcehGVDuf3gqcGiYyjPzWzIlMK71KnzEXNwAg

Published financial data: UNION BANK OF INDIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	37TCr	69TCr	68TCr	81TCr	1,00400Cr
Interest Income, Total	37TCr	69TCr	68TCr	81TCr	1,00400Cr
Interest On Deposits	26TCr	44TCr	40TCr	48TCr	63TCr
Interest Expense, Total	26TCr	44TCr	40TCr	48TCr	63TCr
Net Interest Income	12TCr	25TCr	28TCr	33TCr	37TCr
Gain (Loss) on Sale of Assets	-3.94Cr	21Cr	-34.89L	-1.49Cr	2.17Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.42TCr	4.33TCr	3.39TCr	1.12TCr	2.12TCr
Total Other Non Interest Income	4.37TCr	9.55TCr	10TCr	15TCr	16TCr
Non Interest Income, Total	5.79TCr	14TCr	14TCr	16TCr	18TCr
Revenues Before Provison For Loan Losses	17TCr	39TCr	42TCr	49TCr	55TCr
Provision For Loan Losses	13TCr	17TCr	17TCr	13TCr	6.81TCr
Total Revenues	4.04TCr	22TCr	25TCr	36TCr	48TCr
Salaries And Other Employee Benefits	3.46TCr	9.23TCr	10TCr	13TCr	15TCr
Amort. of Goodwill & Intang. Assets	-	-	-	-	-1.41Cr
Occupancy Expense	1.17TCr	2.65TCr	2.17TCr	2.2TCr	2.35TCr
Selling General & Admin Expenses, Total	391.65Cr	653.54Cr	704.16Cr	825.7Cr	933.44Cr
(Income) Loss on Equity Invest.	80Cr	-35Cr	-57Cr	-81Cr	-88Cr
Total Other Non Interest Expense	3.16TCr	7.21TCr	6.57TCr	7.94TCr	8.63TCr
Non Interest Expense, Total	8.27TCr	20TCr	20TCr	23TCr	26TCr
EBT, Excl. Unusual Items	-4.23TCr	2.36TCr	5.27TCr	12TCr	22TCr
EBT, Incl. Unusual Items	-4.23TCr	2.36TCr	5.27TCr	12TCr	22TCr
Income Tax Expense	-1.11TCr	-500.84Cr	-	3.72TCr	7.8TCr
Earnings From Continuing Operations	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Net Income to Company	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Minority Interest	-	-	-	-	-
Net Income - (IS)	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Net Income to Common Excl. Extra Items	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Per Share Items
Net EPS - Basic	-13.45	4.47	7.77	12.45	19.15
Basic EPS - Continuing Operations	-13.45	4.47	7.77	12.45	19.15
Basic Weighted Average Shares Outstanding	232.08Cr	640.68Cr	677.26Cr	683.47Cr	720.31Cr
Net EPS - Diluted	-13.45	4.47	7.77	12.45	19.15
Diluted EPS - Continuing Operations	-13.45	4.47	7.77	12.45	19.15
Diluted Weighted Average Shares Outstanding	232.08Cr	640.68Cr	677.26Cr	683.47Cr	720.31Cr
Normalized Basic EPS	-11.39	2.3	4.86	11.18	18.74
Normalized Diluted EPS	-11.39	2.3	4.86	11.18	18.74
Dividend Per Share	-	-	1.9	3	3.6
Payout Ratio	-	-	-	15.26	14.86
Supplemental Items
Effective Tax Rate - (Ratio)	26.24	-21.2	-	30.39	36.11
Normalized Net Income	-2.64TCr	1.48TCr	3.29TCr	7.64TCr	13TCr
Non-Cash Pension Expense	380.89Cr	1.92TCr	1.04TCr	1.9TCr	2.29TCr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	37TCr	51TCr	77TCr	2.84TCr	69TCr
Investment Securities, Total	1,54300Cr	3,39100Cr	3,51800Cr	3,73500Cr	3,44000Cr
Total investments	1,54300Cr	3,39100Cr	3,51800Cr	3,73500Cr	3,44000Cr
Gross Loans	3,17700Cr	5,93300Cr	6,63400Cr	7,95700Cr	8,74100Cr
Net Loans	3,17700Cr	5,93300Cr	6,63400Cr	7,95700Cr	8,74100Cr
Gross Property Plant And Equipment	8.14TCr	15TCr	15TCr	17TCr	18TCr
Accumulated Depreciation	-3.43TCr	-7.83TCr	-8.35TCr	-8.83TCr	-9.36TCr
Net Property Plant And Equipment	4.71TCr	7.07TCr	6.97TCr	8.66TCr	9.03TCr
Goodwill	12Cr	-	-	-	-
Other Intangibles, Total	69Cr	300.34Cr	241.46Cr	191.89Cr	233.09Cr
Accrued Interest Receivable	2.61TCr	6.17TCr	7.78TCr	9.19TCr	11TCr
Other Receivables	-	-	-	1.16TCr	-
Restricted Cash	18TCr	34TCr	42TCr	47TCr	51TCr
Other Current Assets, Total	1.51TCr	7.84TCr	8.38TCr	11TCr	7.13TCr
Deferred Tax Assets Long-Term (Collected)	7.36TCr	16TCr	12TCr	8.66TCr	3.71TCr
Other Real Estate Owned And Foreclosed	4L	12.38L	13.34L	13.34L	13.34L
Other Long-Term Assets, Total	12TCr	28TCr	23TCr	30TCr	33TCr
Total Assets	5,55500Cr	10,82400Cr	11,93800Cr	12,88400Cr	14,02000Cr
Liabilities
Interest Bearing Deposits	4,25900Cr	8,61900Cr	9,61700Cr	10,46300Cr	11,50800Cr
Non-Interest Bearing Deposits	26TCr	64TCr	73TCr	74TCr	74TCr
Total Deposits	4,52400Cr	9,25700Cr	10,34400Cr	11,20300Cr	12,24600Cr
Long-Term Debt	53TCr	52TCr	51TCr	43TCr	27TCr
Accrued Interest Payable	1.88TCr	3.18TCr	4.55TCr	6.03TCr	5.25TCr
Other Current Liabilities - (Bank / Utility Template)	909.18Cr	2.3TCr	2.69TCr	2.65TCr	2.64TCr
Deferred Tax Liability Non-Current	-	-	-	-	-
Other Non Current Liabilities	14TCr	35TCr	30TCr	38TCr	45TCr
Total Liabilities	5,21500Cr	10,17600Cr	11,22900Cr	12,09600Cr	13,04400Cr
Common Stock, Total	3.42TCr	6.41TCr	6.83TCr	6.83TCr	7.63TCr
Additional Paid In Capital	25TCr	17TCr	18TCr	18TCr	26TCr
Retained Earnings	194.23Cr	30TCr	33TCr	40TCr	51TCr
Comprehensive Income and Other	4.99TCr	11TCr	12TCr	13TCr	13TCr
Total Common Equity	34TCr	65TCr	71TCr	79TCr	97TCr
Minority Interest	104Cr	104Cr	104Cr	104Cr	104Cr
Total Equity	34TCr	65TCr	71TCr	79TCr	98TCr
Total Liabilities And Equity	5,55500Cr	10,82400Cr	11,93800Cr	12,88400Cr	14,02000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	640.68Cr	640.68Cr	683.47Cr	683.47Cr	763.36Cr
ECS Total Common Shares Outstanding	342.28Cr	640.68Cr	683.47Cr	683.47Cr	763.36Cr
Book Value / Share	99	100.88	103.53	115.15	127.72
Tangible Book Value	34TCr	64TCr	71TCr	79TCr	97TCr
Tangible Book Value Per Share	98.76	100.41	103.17	114.87	127.41
Average Assets	-	-	-	-	-
Total Debt	53TCr	52TCr	51TCr	43TCr	27TCr
Deposits at Interest - Cash	35TCr	47TCr	74TCr	62TCr	67TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	212.46Cr	-100.08Cr	1.44TCr	379.86Cr	560.02Cr
Net Debt	16TCr	1.26TCr	-26TCr	10TCr	-42TCr
Equity Method Investments, Total	-	-	-	-	438.38Cr
Full Time Employees	37.32T	78.2T	75.2T	75.59T	75.87T
Number Of Offices	4.28T	9.32T	8.87T	8.58T	8.47T
Assets on Operating Lease - Gross	27Cr	27Cr	27Cr	31Cr	31.26L
Assets on Operating Lease - Accumulated Depreciation	-27Cr	-27Cr	-27Cr	-31Cr	-31.26L

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	-3.12TCr	2.86TCr	5.27TCr	8.51TCr	14TCr
Depreciation, Depletion & Amortization	417.2Cr	908.15Cr	738.09Cr	744.57Cr	895.93Cr
Total Depreciation, Depletion & Amortization	417.2Cr	908.15Cr	738.09Cr	744.57Cr	895.93Cr
Minority Interest in Earnings - (CF)	-	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	3.94Cr	-21Cr	35L	-1.49Cr	-2.17Cr
(Gain) Loss on Sale of Investments - (CF)	376.53Cr	556.24Cr	200.48Cr	1.67TCr	880.7Cr
Provision for Credit Losses	12TCr	15TCr	13TCr	11TCr	7.12TCr
(Income) Loss On Equity Investments - (CF)	80Cr	35Cr	57Cr	81Cr	88Cr
Change in Other Net Operating Assets (Collected)	-55TCr	-58TCr	-97TCr	-1,03800Cr	-1,10500Cr
Other Operating Activities	1.78TCr	3.47TCr	5.06TCr	1.52TCr	3.41TCr
Cash from Operations	-43TCr	-35TCr	-72TCr	-80TCr	-84TCr
Capital Expenditure	-393.84Cr	-718.98Cr	-749.53Cr	-3.07TCr	-1.65TCr
Sale of Property, Plant, and Equipment	17Cr	117.89Cr	307.88Cr	682.8Cr	343.2Cr
Cash Acquisitions	-	-	-116.06Cr	-178.3Cr	-88Cr
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Cash from Investing	-377.21Cr	-601.09Cr	-557.71Cr	-2.56TCr	-1.39TCr
Long-Term Debt Issued, Total	11TCr	3.7TCr	7TCr	983Cr	-
Total Debt Issued	11TCr	3.7TCr	7TCr	983Cr	-
Long-Term Debt Repaid, Total	-1.2TCr	-21TCr	-7.68TCr	-8.75TCr	-16TCr
Total Debt Repaid	-1.2TCr	-21TCr	-7.68TCr	-8.75TCr	-16TCr
Issuance of Common Stock	12TCr	-	1.44TCr	-	7.97TCr
Repurchase of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-1.3TCr	-2.05TCr
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-1.3TCr	-2.05TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	35TCr	55TCr	1,08700Cr	86TCr	1,04300Cr
Other Financing Activities, Total	-1.05TCr	-1.6TCr	-1.55TCr	-1.59TCr	-1.65TCr
Cash from Financing	55TCr	36TCr	1,07900Cr	75TCr	93TCr
Miscellaneous Cash Flow Adjustments	-1L	28TCr	-1L	1L	-
Net Change in Cash	12TCr	29TCr	35TCr	-7.1TCr	7.05TCr
Supplemental Items
Cash Interest Paid	1.05TCr	1.6TCr	1.55TCr	1.59TCr	1.65TCr
Cash Income Tax Paid (Refund)	-1.32TCr	228.64Cr	543.88Cr	3.28TCr	3.02TCr
Net Debt Issued / Repaid	9.44TCr	-17TCr	-677.04Cr	-7.77TCr	-16TCr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	-0.59	0.35	0.46	0.69	1.03
Return On Equity %	-10.26	5.8	7.77	11.37	15.64
Return on Common Equity	-10.3	5.81	7.78	11.39	15.66
Shareholders Value Added	-6.76TCr	-3.05TCr	-2.86TCr	-455.73Cr	3.23TCr
Margin Analysis
SG&A Margin	138.47	62.26	57.4	47.5	39.87
Net Interest Income / Total Revenues %	288.42	114.13	112.61	92.97	77.09
EBT Excl. Non-Recurring Items Margin %	-104.82	10.7	21.14	34.32	44.98
Income From Continuing Operations Margin %	-77.31	12.97	21.14	23.89	28.74
Net Income Margin %	-77.31	12.97	21.14	23.89	28.74
Net Avail. For Common Margin %	-77.31	12.97	21.14	23.89	28.74
Normalized Net Income Margin	-65.51	6.69	13.21	21.45	28.11
Asset quality
Nonperforming Loans / Total Loans %	15.45	15.13	12	7.66	4.93
Nonperforming Loans / Total Assets %	8.84	8.3	6.67	4.73	3.07
Nonperforming Assets / Total Assets %	8.84	8.3	6.67	4.73	3.07
NPAs / Loans and OREO	15.45	15.13	12	7.66	4.93
NPAs / Equity	144.41	138.7	112.31	77.39	44.16
Provision for Loan Losses / Net Charge-offs %	199.58	142.14	113.55	206.93	69.13
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.75	6.02	5.95	6.02	6.55
Total Average Equity / Total Average Assets %	5.77	6.03	5.96	6.03	6.56
Total Equity + Allowance for Loan Losses / Total Loans %	10.67	10.89	10.67	9.89	11.15
Gross Loans / Total Deposits %	70.21	64.1	64.13	71.02	71.38
Net Loans / Total Deposits %	70.21	64.1	64.13	71.02	71.38
Tier 1 Capital Ratio %	10.67	10.32	12.17	13.89	14.99
Total Capital Ratio %	12.71	12.52	14.48	16.01	16.94
Core Tier 1 Capital Ratio	9.33	9.04	10.61	12.35	13.65
Tier 2 Capital Ratio	2.04	2.2	2.31	2.11	1.96
Interbank Ratio	177.44	209.32	464.73	187.63	185.53
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.84	1.05	1.13	1.25	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.76	116.44	11.32	18.11	11.72
Non Interest Income, 1 Yr. Growth %	14.83	140.08	-5.47	17.68	11.92
Provision For Loan Losses, 1 Yr. Growth %	16.11	27.06	-1.55	0.79	-49.22
Total Revenues, 1 Yr. Growth %	2.9	446.96	10.33	26.05	34.74
Earnings From Cont. Operations, 1 Yr. Growth %	6.79	-191.75	83.88	61.66	62.1
Net Income, 1 Yr. Growth %	6.79	-191.75	83.88	61.66	62.1
Normalized Net Income, 1 Yr. Growth %	7.88	-155.84	83.88	41.8	76.62
Diluted EPS Before Extra, 1 Yr. Growth %	-45.92	-133.23	73.85	60.23	53.82
Dividend Per Share, 1 Yr. Growth %	-	-	-	57.89	20
Gross Loans, 1 Yr. Growth %	6.32	86.77	11.8	19.95	14.37
Net Loans, 1 Yr. Growth %	6.32	86.77	11.8	19.95	14.37
Non Performing Loans, 1 Yr. Growth %	0.73	82.92	-11.36	-23.37	-29.33
Non Performing Assets, 1 Yr. Growth %	0.73	82.92	-11.36	-23.37	-29.33
Total Assets, 1 Yr. Growth %	11.42	94.84	10.29	7.92	8.82
Total Deposits, 1 Yr Growth %	8.37	104.59	11.74	8.31	9.31
Tangible Book Value, 1 Yr. Growth %	26.67	90.31	9.61	11.33	23.89
Common Equity, 1 Yr. Growth %	26.76	90.74	9.47	11.22	23.88
Total Equity, 1 Yr. Growth %	26.66	90.46	9.46	11.21	23.85
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	10.82	55.53	55.22	14.66	14.87
Non Interest Income, 2 Yr. CAGR %	2.95	66.04	52.84	5.47	14.76
Provision For Loan Losses, 2 Yr. CAGR %	1.85	21.46	11.54	-10.98	-28.46
Total Revenues, 2 Yr. CAGR %	41.01	137.23	148.42	25.62	30.33
Earnings From Cont. Operations, 2 Yr. CAGR %	-22.62	-1.01	29.89	72.41	61.88
Net Income, 2 Yr. CAGR %	-22.62	-1.01	29.89	72.41	61.88
Normalized Net Income, 2 Yr. CAGR %	-9.9	-22.39	11.55	106.65	58.26
Diluted EPS Before Extra, 2 Yr. CAGR %	-55.84	-57.61	-23.99	66.9	56.99
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	37.65
Gross Loans, 2 Yr. CAGR %	4.56	40.92	44.5	15.81	14.79
Net Loans, 2 Yr. CAGR %	4.56	40.92	44.5	15.81	14.79
Non Performing Loans, 2 Yr. CAGR %	-0.29	35.74	27.33	-17.58	-26.41
Non Performing Assets, 2 Yr. CAGR %	-0.29	35.74	27.33	-17.58	-26.41
Total Assets, 2 Yr. CAGR %	6.35	47.34	46.59	9.1	8.37
Total Deposits, 2 Yr CAGR %	5.01	48.9	51.2	10.01	8.81
Tangible Book Value, 2 Yr. CAGR %	15.81	55.27	44.43	10.47	17.44
Common Equity, 2 Yr. CAGR %	15.84	55.5	44.5	10.35	17.38
Total Equity, 2 Yr. CAGR %	16.02	55.32	44.39	10.33	17.36
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.8	38.52	39.12	41.71	13.67
Non Interest Income, 3 Yr. CAGR %	2.16	36.52	38.95	40.09	7.58
Provision For Loan Losses, 3 Yr. CAGR %	23.62	9.64	13.04	0.04	-26.17
Total Revenues, 3 Yr. CAGR %	-18.22	121.55	85.18	106.67	28.59
Earnings From Cont. Operations, 3 Yr. CAGR %	75.98	-18.1	21.68	39.72	68.9
Net Income, 3 Yr. CAGR %	75.98	-18.1	21.68	39.72	68.9
Normalized Net Income, 3 Yr. CAGR %	126.39	-23.18	10.32	42.44	96.11
Diluted EPS Before Extra, 3 Yr. CAGR %	17.31	-59.84	-32.15	-2.54	62.42
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Gross Loans, 3 Yr. CAGR %	3.33	26.87	30.46	35.81	13.79
Net Loans, 3 Yr. CAGR %	3.33	26.87	30.46	35.81	13.79
Non Performing Loans, 3 Yr. CAGR %	13.34	22.06	17.77	7.5	-21.7
Non Performing Assets, 3 Yr. CAGR %	13.34	22.06	17.77	7.5	-21.7
Total Assets, 3 Yr. CAGR %	6.83	30.14	33.78	32.37	9.01
Total Deposits, 3 Yr CAGR %	6.25	31.16	35.31	35.29	9.78
Tangible Book Value, 3 Yr. CAGR %	12.01	36.66	38.25	32.43	14.77
Common Equity, 3 Yr. CAGR %	12.04	36.79	38.33	32.43	14.68
Total Equity, 3 Yr. CAGR %	12.15	36.86	38.22	32.35	14.66
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.43	24.51	25.42	28.43	28.86
Non Interest Income, 5 Yr. CAGR %	7.91	28.71	20.02	23.85	28.72
Provision For Loan Losses, 5 Yr. CAGR %	34.52	34.39	18.64	0.76	-10
Total Revenues, 5 Yr. CAGR %	-15.63	21.11	27.55	77.36	65.02
Earnings From Cont. Operations, 5 Yr. CAGR %	12	16.27	55.85	10.3	36.4
Net Income, 5 Yr. CAGR %	12.13	16.12	55.85	10.3	36.4
Normalized Net Income, 5 Yr. CAGR %	8.97	5.86	70.57	18.59	40.66
Diluted EPS Before Extra, 5 Yr. CAGR %	-13.43	-26.26	-1.38	-29	-5.09
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-
Gross Loans, 5 Yr. CAGR %	4.42	17.21	18.16	22.32	23.95
Net Loans, 5 Yr. CAGR %	4.42	17.21	18.16	22.32	23.95
Non Performing Loans, 5 Yr. CAGR %	30.38	30.01	18.74	4.32	-2.43
Non Performing Assets, 5 Yr. CAGR %	30.38	30.01	18.74	4.32	-2.43
Total Assets, 5 Yr. CAGR %	7.69	21.58	21.24	21.27	22.97
Total Deposits, 5 Yr CAGR %	7.34	21.88	22.36	22.25	24.01
Tangible Book Value, 5 Yr. CAGR %	11.21	22.82	24	25.51	29.52
Common Equity, 5 Yr. CAGR %	11.23	22.9	24.04	25.53	29.54
Total Equity, 5 Yr. CAGR %	11.29	22.94	24.08	25.56	29.46