UNION BANK OF INDIA
Quarterly Results Analysis [Sep2025]
UNION BANK OF INDIA Quarterly Results
| Consolidated | Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 UnAudited |
Jun2024 UnAudited |
Mar2024 UnAudited |
Dec2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹26,665 Cr | ₹27,475 Cr | ₹27,869 Cr | ₹27,135 Cr | ₹26,887 Cr | ₹26,527 Cr | ₹26,510 Cr | ₹25,521 Cr |
| Other Income | ₹5,550 Cr | ₹4,869 Cr | ₹6,223 Cr | ₹4,614 Cr | ₹5,926 Cr | ₹4,799 Cr | ₹5,102 Cr | ₹4,281 Cr |
| Interest Expended | ₹17,707 Cr | ₹18,231 Cr | ₹18,245 Cr | ₹17,765 Cr | ₹17,720 Cr | ₹17,004 Cr | ₹16,966 Cr | ₹16,236 Cr |
| Expenses | ₹7,663 Cr | ₹7,177 Cr | ₹8,113 Cr | ₹6,474 Cr | ₹6,947 Cr | ₹6,510 Cr | ₹8,112 Cr | ₹6,232 Cr |
| Operating Income | ₹6,845 Cr | ₹6,936 Cr | ₹7,735 Cr | ₹7,511 Cr | ₹8,145 Cr | ₹7,811 Cr | ₹6,534 Cr | ₹7,335 Cr |
| Provisions and contingencies | ₹1,392 Cr | ₹1,667 Cr | ₹1,560 Cr | ₹1,622 Cr | ₹1,739 Cr | ₹2,857 Cr | ₹1,253 Cr | ₹1,781 Cr |
| Profit Before Tax | ₹5,453 Cr | ₹5,269 Cr | ₹6,175 Cr | ₹5,889 Cr | ₹6,406 Cr | ₹4,954 Cr | ₹5,281 Cr | ₹5,554 Cr |
| Profit After Tax | ₹4,281 Cr | ₹4,137 Cr | ₹5,001 Cr | ₹4,597 Cr | ₹4,722 Cr | ₹3,601 Cr | ₹3,310 Cr | ₹3,610 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹5.80 | ₹5.80 | ₹6.56 | ₹6.06 | ₹6.22 | ₹4.77 | ₹4.36 | ₹4.89 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UNION BANK OF INDIA | 0.9% | 8.3% | 24.8% |
| STATE BANK OF INDIA | -1% | 4.2% | 17.4% |
| PUNJAB NATIONAL BANK | 1.8% | 4.3% | 19.3% |
| BANK OF BARODA | 3% | 8.6% | 17.6% |
| INDIAN OVERSEAS BANK | NA | -3% | -26.9% |
| CANARA BANK | 1.1% | 13.1% | 49.3% |
| INDIAN BANK | 1.7% | 3.7% | 55.7% |
| UCO BANK | 0.5% | -5.2% | -30.4% |
| BANK OF INDIA | 0% | 6% | 31.9% |
UNION BANK OF INDIA Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | -3.09 % |
| Y-o-Y | -2.28 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2025 | ₹8,958 Cr | -3.09 | |
| Jun2025 | ₹9,244 Cr | -3.95 | |
| Mar2025 | ₹9,624 Cr | 2.71 | |
| Dec2024 | ₹9,370 Cr | 2.22 | |
| Sep2024 | ₹9,167 Cr | -3.74 | |
| Jun2024 | ₹9,523 Cr | -0.22 | |
| Mar2024 | ₹9,544 Cr | 2.79 | |
| Dec2023 | ₹9,285 Cr | - | |
UNION BANK OF INDIA Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -1.31 % |
| Y-o-Y | -15.96 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2025 | ₹6,845 Cr | -1.31 | |
| Jun2025 | ₹6,936 Cr | -10.33 | |
| Mar2025 | ₹7,735 Cr | 2.99 | |
| Dec2024 | ₹7,511 Cr | -7.79 | |
| Sep2024 | ₹8,145 Cr | 4.27 | |
| Jun2024 | ₹7,811 Cr | 19.55 | |
| Mar2024 | ₹6,534 Cr | -10.92 | |
| Dec2023 | ₹7,335 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 1.84 % |
| Y-o-Y | -14.00 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2025 | 76.41% | 1.84 | |
| Jun2025 | 75.03% | -6.64 | |
| Mar2025 | 80.37% | 0.27 | |
| Dec2024 | 80.15% | -9.79 | |
| Sep2024 | 88.85% | 8.31 | |
| Jun2024 | 82.03% | 19.82 | |
| Mar2024 | 68.46% | -13.33 | |
| Dec2023 | 78.99% | - | |
UNION BANK OF INDIA Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 3.50 % |
| Y-o-Y | -9.33 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2025 | ₹4,281 Cr | 3.50 | |
| Jun2025 | ₹4,137 Cr | -17.29 | |
| Mar2025 | ₹5,001 Cr | 8.79 | |
| Dec2024 | ₹4,597 Cr | -2.64 | |
| Sep2024 | ₹4,722 Cr | 31.13 | |
| Jun2024 | ₹3,601 Cr | 8.79 | |
| Mar2024 | ₹3,310 Cr | -8.32 | |
| Dec2023 | ₹3,610 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 6.64 % |
| Y-o-Y | -8.54 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2025 | 16.06 % | 6.64 | |
| Jun2025 | 15.06 % | -16.10 | |
| Mar2025 | 17.95 % | 5.96 | |
| Dec2024 | 16.94 % | -3.53 | |
| Sep2024 | 17.56 % | 29.40 | |
| Jun2024 | 13.57 % | 8.65 | |
| Mar2024 | 12.49 % | -11.73 | |
| Dec2023 | 14.15 % | - | |
UNION BANK OF INDIA Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 0.00 % |
| Y-o-Y | -6.75 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2025 | ₹5.8 | 0.00 | |
| Jun2025 | ₹5.8 | -11.59 | |
| Mar2025 | ₹6.56 | 8.25 | |
| Dec2024 | ₹6.06 | -2.57 | |
| Sep2024 | ₹6.22 | 30.40 | |
| Jun2024 | ₹4.77 | 9.40 | |
| Mar2024 | ₹4.36 | -10.84 | |
| Dec2023 | ₹4.89 | - | |
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