ALFA Finder| Margins | NIM improved to 2.80%, up 16 bps QoQ. |
|---|---|
| Order book | Global Advances reached ₹10,96,331 Cr. |
| Demand visibility | Strong credit demand in MSME (16.49%) and Retail (12.06%). |
| Management confidence | High, emphasizing 'Business First, Compliance Always' motto. |
Growth
Global advances grew 12.5% YoY; RAM advances up 11.56%. Operating profit rose 15.83% YoY to ₹8,003 Cr.
Outlook
Targeting 150 new branches in FY27. Management maintains focus on 'Business First, Compliance Always' with a diversified credit portfolio.
Risks
Global deposit growth relatively slow at 3.50% YoY. Domestic CASA ratio slightly moderated to 35.10%.
Last quarter's promises, checked
Delivered
- Defend NIM at 2.76% → delivered 2.80% (= BEAT)
- Credit growth Q-o-Q > 4% → delivered ~9.6% Q-o-Q (= BEAT)
- Open 75 branches in FY26 → targeting 150 in FY27 (= BEAT)
Partly delivered
- Maintain PCR at ~95% → delivered 95.05% (= PARTIAL)
Missed
- RAM sector growth target 20-22% → delivered 11.56% (= MISS)
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.
More from Union Bank of India
All →Union Bank of India Debt & Borrowing: ₹89.3 Cr
Union Bank of India paid Rs.89.30 Crore annual bond interest on 09 November 2026. The payment fell one business day after the 08 November due date.
- Value
- ₹89.30 Cr
Union Bank of India Management Change
Union Bank of India's board gains Dr. Shiv Dayal as Non-Executive Independent Director from November 3, 2026. The Central Government appointed him for a three-year tenure.
Union Bank of India Debt & Borrowing: ₹750 Cr
Union Bank of India will redeem its ₹750 Crore Tier II Series XXII bonds on 23 November 2026. The record date is 9 November 2026.
- Value
- ₹750.0 Cr
Union Bank of India Debt & Borrowing: ₹3,500 Cr
Union Bank of India exercised call options on Tier-1 bond series XXXII and XXXIII. Redemption payments fall on November 21 and December 19, 2026, aggregating Rs.3,500 Crore.
- 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.
Union Bank of India Other Announcement
This filing provides the quarterly shareholding pattern for Union Bank of India as required under SEBI regulations.