ALFA Finder| Management target | Net Profit FY27 |
|---|
| Margins | NIM improved to 2.80%; management aims to improve this further. |
|---|---|
| Order book | Corporate sanction pipeline exceeds INR 1,00,000 crores. |
| Demand visibility | Strong corporate pipeline of INR 1,00,000 crores sanctioned but not disbursed. |
| Management confidence | High; citing robust capital base and improved NIM of 2.80%. |
Growth
CASA and Retail Term Deposits (RTD) combined reached INR 41,000 crores. Credit growth is targeted at industry levels plus 1%.
Outlook
Guidance for credit growth of 12-13% for FY27. Management plans to mobilize USD 1.5-2 billion via FCNR by September 2026.
Risks
Global disruptions from Russia-Ukraine conflict, oil price volatility, and potential stress in low-value MSME portfolios.
Last quarter's promises, checked
Delivered
- Guided 13% credit growth → delivered 13% (= BEAT)
- Guided 35.21% CASA ratio → delivered 35.21% (= BEAT)
- Guided 2.64% NIM → delivered 2.80% (= BEAT)
Partly delivered
- Guided 13-14% credit growth → delivered 9.74% gross advances (= PARTIAL)
Investor Presentation 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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