ALFA Finder| Management target | Revenue 12.5% FY27 |
|---|
| Margins | Operating margin at 54% |
|---|---|
| Order book | Advances reached $115.8bn |
| Demand visibility | Strong RAM segment demand |
| Management confidence | High |
Growth
Standalone Q1 FY27 Net Profit rose to $563mn, up from $435mn in Q1 FY26. Operating revenue reached $1,547mn.
Outlook
Guided for 12.5% credit growth and 3.5% deposit growth for FY27. Targeting further NPA reduction via focused recoveries.
Risks
High credit-to-deposit ratio targets (12.5% vs 3.5% growth) could pressure liquidity; slippages remain a monitoring point.
Last quarter's promises, checked
Delivered
- Guided for improved NIMs → delivered 2.76% (up from 2.91% base despite 125bps rate cut) (= BEAT)
- Targeted RAM sector growth → delivered 11.50% RAM growth (Retail 21.67%, Agri 19.75%) (= BEAT)
- Targeted GNPA/NPA reduction → delivered reduced levels with 95% PCR (= BEAT)
Partly delivered
- Targeted PSLC income recovery → delivered INR 108 cr (vs INR 950 cr in prior year) (= PARTIAL)
Missed
- Guided for deposit growth to match credit → delivered 3.36% deposit growth vs 7.13% advances (= MISS)
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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