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5-day change | 1st Jan Change | ||
| 179.27 INR | +7.87% |
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+7.78% | +16.59% |
| 06:07pm | Union Bank of India Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2025 | CI |
| 06:06pm | Union Bank of India, Q3 2026 Earnings Call, Jan 14, 2026 |
| Fiscal Period: March | 2016 | 2017 | 2018 | 2019 | 2020 | 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 |
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