UNION BANK OF INDIA
Quarterly Results Analysis [Dec2023]
UNION BANK OF INDIA Quarterly Results
| Consolidated | Dec2023 UnAudited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 UnAudited |
Dec2022 UnAudited |
Sep2022 UnAudited |
Jun2022 UnAudited |
Mar2022 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹25,521 Cr | ₹24,732 Cr | ₹23,613 Cr | ₹22,163 Cr | ₹20,966 Cr | ₹19,778 Cr | ₹18,256 Cr | ₹17,028 Cr |
| Other Income | ₹4,281 Cr | ₹4,221 Cr | ₹4,209 Cr | ₹5,601 Cr | ₹3,669 Cr | ₹3,697 Cr | ₹2,949 Cr | ₹2,326 Cr |
| Interest Expended | ₹16,236 Cr | ₹15,498 Cr | ₹14,664 Cr | ₹13,810 Cr | ₹12,242 Cr | ₹11,384 Cr | ₹10,598 Cr | ₹10,409 Cr |
| Expenses | ₹6,232 Cr | ₹6,189 Cr | ₹5,973 Cr | ₹7,085 Cr | ₹5,746 Cr | ₹5,497 Cr | ₹5,159 Cr | ₹3,391 Cr |
| Operating Income | ₹7,335 Cr | ₹7,265 Cr | ₹7,185 Cr | ₹6,869 Cr | ₹6,647 Cr | ₹6,595 Cr | ₹5,448 Cr | ₹5,555 Cr |
| Provisions and contingencies | ₹1,781 Cr | ₹1,773 Cr | ₹2,005 Cr | ₹2,957 Cr | ₹3,071 Cr | ₹4,101 Cr | ₹3,283 Cr | ₹3,550 Cr |
| Profit Before Tax | ₹5,554 Cr | ₹5,492 Cr | ₹5,180 Cr | ₹3,912 Cr | ₹3,576 Cr | ₹2,493 Cr | ₹2,165 Cr | ₹2,005 Cr |
| Profit After Tax | ₹3,610 Cr | ₹3,548 Cr | ₹3,240 Cr | ₹2,799 Cr | ₹2,236 Cr | ₹1,839 Cr | ₹1,556 Cr | ₹1,541 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 | ₹4.89 | ₹4.82 | ₹4.79 | ₹4.11 | ₹3.31 | ₹2.71 | ₹2.32 | ₹2.28 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UNION BANK OF INDIA | -6.8% | -9.3% | 83% |
| STATE BANK OF INDIA | -2.4% | 6.7% | 38.3% |
| PUNJAB NATIONAL BANK | -9.4% | -7.5% | 129.4% |
| BANK OF BARODA | -5.9% | -2.5% | 40% |
| INDIAN OVERSEAS BANK | -5.6% | -3.9% | 145.8% |
| CANARA BANK | -11.2% | -8.1% | 78.2% |
| INDIAN BANK | -3.1% | 1.1% | 56% |
| BANK OF INDIA | -6.4% | -3.7% | 63.1% |
| UCO BANK | -5.2% | -5% | 79.9% |
UNION BANK OF INDIA Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 0.56 % |
| Y-o-Y | 6.43 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Dec2023 | ₹9,285 Cr | 0.56 | |
| Sep2023 | ₹9,233 Cr | 3.18 | |
| Jun2023 | ₹8,949 Cr | 7.14 | |
| Mar2023 | ₹8,353 Cr | -4.26 | |
| Dec2022 | ₹8,724 Cr | 3.93 | |
| Sep2022 | ₹8,395 Cr | 9.61 | |
| Jun2022 | ₹7,658 Cr | 15.70 | |
| Mar2022 | ₹6,619 Cr | - | |
UNION BANK OF INDIA Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 0.96 % |
| Y-o-Y | 10.34 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Dec2023 | ₹7,335 Cr | 0.96 | |
| Sep2023 | ₹7,265 Cr | 1.11 | |
| Jun2023 | ₹7,185 Cr | 4.60 | |
| Mar2023 | ₹6,869 Cr | 3.33 | |
| Dec2022 | ₹6,647 Cr | 0.80 | |
| Sep2022 | ₹6,595 Cr | 21.05 | |
| Jun2022 | ₹5,448 Cr | -1.93 | |
| Mar2022 | ₹5,555 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 0.39 % |
| Y-o-Y | 3.68 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2023 | 78.99% | 0.39 | |
| Sep2023 | 78.68% | -2.01 | |
| Jun2023 | 80.29% | -2.36 | |
| Mar2023 | 82.23% | 7.93 | |
| Dec2022 | 76.19% | -3.02 | |
| Sep2022 | 78.56% | 10.45 | |
| Jun2022 | 71.13% | -15.24 | |
| Mar2022 | 83.92% | - | |
UNION BANK OF INDIA Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 1.75 % |
| Y-o-Y | 61.45 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Dec2023 | ₹3,610 Cr | 1.75 | |
| Sep2023 | ₹3,548 Cr | 9.50 | |
| Jun2023 | ₹3,240 Cr | 15.79 | |
| Mar2023 | ₹2,799 Cr | 25.15 | |
| Dec2022 | ₹2,236 Cr | 21.59 | |
| Sep2022 | ₹1,839 Cr | 18.16 | |
| Jun2022 | ₹1,556 Cr | 0.98 | |
| Mar2022 | ₹1,541 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -1.39 % |
| Y-o-Y | 32.61 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2023 | 14.15 % | -1.39 | |
| Sep2023 | 14.35 % | 4.59 | |
| Jun2023 | 13.72 % | 8.63 | |
| Mar2023 | 12.63 % | 18.37 | |
| Dec2022 | 10.67 % | 14.73 | |
| Sep2022 | 9.3 % | 9.03 | |
| Jun2022 | 8.53 % | -5.75 | |
| Mar2022 | 9.05 % | - | |
UNION BANK OF INDIA Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 1.45 % |
| Y-o-Y | 47.73 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2023 | ₹4.89 | 1.45 | |
| Sep2023 | ₹4.82 | 0.63 | |
| Jun2023 | ₹4.79 | 16.55 | |
| Mar2023 | ₹4.11 | 24.17 | |
| Dec2022 | ₹3.31 | 22.14 | |
| Sep2022 | ₹2.71 | 16.81 | |
| Jun2022 | ₹2.32 | 1.75 | |
| Mar2022 | ₹2.28 | - | |
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