ALFA Finder| Revenue growth | NII at ₹9,406 Cr for Q4 FY26. |
|---|---|
| Margins | NIM at 2.64% for Q4; FY26 NIM at 2.70%. |
| Order book | Global Advances at ₹10,78,611 Cr. |
| Demand visibility | Consistent credit growth in RAM and Large Corporate segments. |
| Management confidence | High, focused on 'Compliance Always' and digital-first growth. |
Growth
Global advances grew 9.74% YoY to ₹10.78 lakh Cr; RAM advances grew 12.56%. FY26 Net Profit reached ₹18,697 Cr.
Outlook
Targeting 200 new branches in FY27. Management focuses on digital journeys and strengthening the ecosystem banking vertical.
Risks
NIM compressed to 2.64% (Q4) vs 2.87% (YoY). Slippage ratio remains a monitorable at 0.85%.
Earnings Call filed with NSE, NSE: UNIONBANK. Summary written with AI assistance from the document.
Union Bank of India: key numbers
- Share price
- ₹203.00
- Market cap
- ₹1,54,962 Cr
- Revenue (annual)
- ₹1,06,799 Cr
- Net profit (annual)
- ₹19,430 Cr
- P/E (TTM)
- 7.0×Sector 21.0×
- Promoter holding
- 74.76%+0.00% QoQ
- FII holding
- 9.40%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Value
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- Value
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- Value
- ₹3,500 Cr
Union Bank of India Earnings Call Transcript: Key Takeaways
Union Bank delivered strong PAT growth and asset quality improvements, though NIM compression and lagging deposit growth remain focal points of analyst concern.