ALFA Finder| Revenue growth | Interest income ₹1.06 lakh crores for FY26. |
|---|---|
| Margins | NIM at 2.70%, down 21 bps Y-o-Y; 2.64% for Q4. |
| Demand visibility | Strong pipeline of ₹50,000-60,000 crore in large corporate segment. |
| Management confidence | High confidence in defending NIM and maintaining asset quality. |
Growth
Gross advances grew 9.74% Y-o-Y; RAM segment grew 12.56% Y-o-Y, led by 18.75% MSME and 16.75% retail growth.
Outlook
Targeting 13%-14% credit growth for FY27; plans to improve NIM through better asset-liability mix and CASA focus.
Risks
NIM compressed by 21 bps Y-o-Y to 2.70%; monitoring West Asia crisis impacts on energy-sensitive sectors and remittances.
Earnings Call filed with NSE, NSE: UNIONBANK. Summary written with AI assistance from the document.
Union Bank of India: key numbers
- Share price
- ₹200.66
- Market cap
- ₹1,53,176 Cr
- Revenue (annual)
- ₹1,06,799 Cr
- Net profit (annual)
- ₹19,430 Cr
- P/E (TTM)
- 7.0×Sector 20.8×
- 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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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.
Union Bank of India Other Announcement
This filing provides the quarterly shareholding pattern for Union Bank of India as required under SEBI regulations.