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

Result Summary

• Union Bank of India reported a 6.5% 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 growth of 7.8%.
• Its expenses for the quarter were up by 5.3% QoQ and 5.1% YoY.
• The net profit decreased 1.2% QoQ and increased 50.6% YoY.
• The earnings per share (EPS) of Union Bank of India stood at 6.56 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 major public sector bank in India. It offers a wide range of financial services, including retail banking, corporate banking, international banking, treasury operations, and credit card services. As a government-owned entity, it plays a crucial role in implementing financial inclusion initiatives and supporting economic growth in India. The bank has a vast network of branches across the country, providing services to both individual and corporate clients. Recent developments in the Indian banking sector include digital transformation initiatives, regulatory changes, and a focus on improving asset quality. However, specific recent developments for Union Bank of India are not available within the provided data.

Revenue

In the fourth quarter of fiscal year 2026 (Q4FY26), Union Bank of India reported a total income of ₹34,092.48 crores. This represents a quarter-over-quarter (QoQ) increase of 6.5% from ₹32,001.92 crores in Q3FY26. On a year-over-year (YoY) basis, the total income rose by 7.8% from ₹31,611.58 crores in Q4FY25. The consistent growth in income indicates a positive trajectory over the quarters and the year. Such an increase in revenue could be driven by a combination of factors, including higher interest income, increased fee-based income, or other operating income streams, though specific drivers are not detailed in the data provided.

Profitability

Union Bank of India's profitability metrics for Q4FY26 show a mixed performance. The bank's profit before tax in Q4FY26 was ₹6,174.76 crores, which marks a decline of 7.0% from ₹6,637.76 crores in Q3FY26. However, on a YoY basis, there was a 16.9% increase from ₹5,281.20 crores in Q4FY25. The tax expense decreased significantly by 27.1% QoQ and 40.5% YoY, amounting to ₹1,173.54 crores in Q4FY26. Consequently, the profit after tax for Q4FY26 was ₹5,011.22 crores, reflecting a slight QoQ decline of 1.2% but a substantial YoY increase of 50.6% from ₹3,328.27 crores in Q4FY25. Earnings per share (EPS) for Q4FY26 stood at ₹6.56, showing a marginal QoQ decrease of 1.4% yet a notable YoY rise of 47.7% from ₹4.44 in Q4FY25.

Operating Metrics

The operating performance of Union Bank of India in Q4FY26 includes several noteworthy elements. Total expenses for the quarter were ₹26,357.50 crores, representing a 5.3% increase from ₹25,042.07 crores in Q3FY26 and a 5.1% rise from ₹25,077.73 crores in Q4FY25. A significant increase in provisions and contingencies was observed, amounting to ₹1,560.22 crores, which is a remarkable 384.4% QoQ surge from ₹322.09 crores and a 24.6% YoY increase from ₹1,252.65 crores. These figures suggest a focus on maintaining financial robustness through adequate provisioning, although specific reasons for the increase are not provided. The data does not include specific financial ratios or details on the bank's asset quality or capital adequacy, which are typically critical in evaluating a bank's operational health.