Union Bank of In's Q4 FY 2025-26 Quarterly Results

Result Summary

• Union Bank of India reported a 2.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 4.2%.
• Its expenses for the quarter were down by 1.4% QoQ and 6.3% YoY.
• The net profit increased 8.5% QoQ and increased 9.8% YoY.
• The earnings per share (EPS) of Union Bank of India stood at 7.21 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Union Bank of India is a prominent public sector bank in India, known for providing a wide array of banking and financial services. The bank offers various services such as retail banking, corporate banking, treasury operations, and international banking. It caters to the needs of individual customers, small and medium enterprises (SMEs), and large corporates. The bank plays a significant role in promoting financial inclusion and supporting economic growth in the regions it operates. As of the most recent data, there are no specific major developments or strategic changes reported for the bank. However, Union Bank of India continues to focus on expanding its reach and improving its service offerings to maintain its competitive position in the banking industry.

Revenue

For the fourth quarter of the fiscal year 2026 (Q4FY26), Union Bank of India reported a total income of ₹32,674.53 crores. This reflects a quarter-over-quarter (QoQ) increase of 2.1% compared to the previous quarter (Q3FY26), where the total income stood at ₹32,001.92 crores. However, there is a year-over-year (YoY) decrease of 4.2% from the total income of ₹34,092.48 crores reported in the fourth quarter of the fiscal year 2025 (Q4FY25). The fluctuation in total income highlights the variations in revenue generation capability over different periods.

Profitability

Union Bank of India's profitability for Q4FY26 shows a positive trajectory. The Profit Before Tax (PBT) for the quarter was ₹6,925.54 crores, which is a 4.3% increase from Q3FY26's PBT of ₹6,637.76 crores. Compared to the same quarter in the previous year (Q4FY25), the PBT has grown by 12.2% from ₹6,174.76 crores. The Profit After Tax (PAT) experienced a QoQ growth of 8.5%, reaching ₹5,503.61 crores in Q4FY26, up from ₹5,072.69 crores in Q3FY26. The YoY growth in PAT was 9.8% from Q4FY25's PAT of ₹5,011.22 crores. It is also noteworthy that the tax expense for Q4FY26 was ₹1,591.59 crores, showing a slight decrease of 1.1% from the previous quarter.

Operating Metrics

Operating metrics reveal that Union Bank of India managed to control its expenses effectively in Q4FY26. Total expenses for the quarter were reported at ₹24,698.68 crores, showing a QoQ decrease of 1.4% from ₹25,042.07 crores in Q3FY26, and a YoY decrease of 6.3% from ₹26,357.50 crores in Q4FY25. The provisions and contingencies significantly increased by 226.1% QoQ, amounting to ₹1,050.31 crores in Q4FY26, compared to ₹322.09 crores in Q3FY26. Despite this, the YoY comparison shows a reduction of 32.7% from ₹1,560.22 crores in Q4FY25. Earnings Per Share (EPS) also witnessed an upward trend, growing by 8.4% QoQ to ₹7.21 in Q4FY26 from ₹6.65 in Q3FY26, and a 9.9% increase YoY from ₹6.56 in Q4FY25. These metrics provide insights into the bank's operational efficiency and financial health over the evaluated periods.