| 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
- ₹180.20
- Market cap
- ₹1,37,558 Cr
- Revenue (annual)
- ₹1,06,799 Cr
- Net profit (annual)
- ₹19,430 Cr
- P/E (TTM)
- 6.7×Sector 22.0×
- Promoter holding
- 74.76%+0.00% QoQ
- FII holding
- 8.63%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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