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UNION BANK OF INDIA
Quarterly Results Analysis [Dec2025]

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UNION BANK OF INDIA Quarterly Results

Consolidated Dec2025
UnAudited
Sep2025
UnAudited
Jun2025
UnAudited
Mar2025
UnAudited
Dec2024
UnAudited
Sep2024
UnAudited
Jun2024
UnAudited
Mar2024
UnAudited
Interest Earned ₹26,819 Cr ₹26,665 Cr ₹27,475 Cr ₹27,869 Cr ₹26,720 Cr ₹26,887 Cr ₹26,527 Cr ₹26,510 Cr
Other Income ₹5,183 Cr ₹5,550 Cr ₹4,869 Cr ₹6,223 Cr ₹4,614 Cr ₹5,926 Cr ₹4,799 Cr ₹5,102 Cr
Interest Expended ₹17,370 Cr ₹17,707 Cr ₹18,231 Cr ₹18,245 Cr ₹17,350 Cr ₹17,720 Cr ₹17,004 Cr ₹16,966 Cr
Expenses ₹7,672 Cr ₹7,663 Cr ₹7,177 Cr ₹8,113 Cr ₹6,474 Cr ₹6,947 Cr ₹6,510 Cr ₹8,112 Cr
Operating Income ₹6,960 Cr ₹6,845 Cr ₹6,936 Cr ₹7,735 Cr ₹7,511 Cr ₹8,145 Cr ₹7,811 Cr ₹6,534 Cr
Provisions and contingencies ₹322 Cr ₹1,392 Cr ₹1,667 Cr ₹1,560 Cr ₹1,622 Cr ₹1,739 Cr ₹2,857 Cr ₹1,253 Cr
Profit Before Tax ₹6,638 Cr ₹5,453 Cr ₹5,269 Cr ₹6,175 Cr ₹5,889 Cr ₹6,406 Cr ₹4,954 Cr ₹5,281 Cr
Profit After Tax ₹5,029 Cr ₹4,281 Cr ₹4,137 Cr ₹5,001 Cr ₹4,597 Cr ₹4,722 Cr ₹3,601 Cr ₹3,310 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 ₹6.65 ₹5.80 ₹5.80 ₹6.56 ₹6.06 ₹6.22 ₹4.77 ₹4.36
Industry Peers & Returns1W1M1Y
UNION BANK OF INDIA 4.6% 19% 67.4%
STATE BANK OF INDIA 4.7% 10.7% 43%
PUNJAB NATIONAL BANK 4.2% 2.3% 28.3%
BANK OF BARODA 1.1% 2.1% 34.4%
INDIAN OVERSEAS BANK 4.5% -0.5% -29%
CANARA BANK -2.9% -4.3% 55.4%
INDIAN BANK 4.1% 12.7% 81.7%
UCO BANK 1.7% 1.1% -31.7%
BANK OF INDIA 2.8% 15.5% 67.7%

UNION BANK OF INDIA Quarterly Net Interest Income

[ Net Interest Income = Interest Earned - Interest Expended ]
Net Interest Income
Q-o-Q

5.48 %

Y-o-Y

0.84 %

Quarters Net Interest Income % Change
Dec2025 ₹9,449 Cr
5.48
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 -

UNION BANK OF INDIA Quarterly Operating Profit

Operating Profit
Q-o-Q

1.68 %

Y-o-Y

-7.33 %

Quarters Operating Profit % Change
Dec2025 ₹6,960 Cr
1.68
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 -
Operating Margins
Q-o-Q

-3.60 %

Y-o-Y

-8.10 %

Quarters Operating Margin% % Change
Dec2025 73.66%
-3.60
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% -

UNION BANK OF INDIA Quarterly Profit After Tax

Profit After Tax(PAT)
Q-o-Q

17.46 %

Y-o-Y

9.39 %

Quarters Profit After Tax % Change
Dec2025 ₹5,029 Cr
17.46
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 -
PAT Margins
Q-o-Q

16.75 %

Y-o-Y

9.01 %

Quarters PAT Margin(%) % Change
Dec2025 18.75 %
16.75
Sep2025 16.06 %
6.64
Jun2025 15.06 %
-16.10
Mar2025 17.95 %
4.36
Dec2024 17.2 %
-2.05
Sep2024 17.56 %
29.40
Jun2024 13.57 %
8.65
Mar2024 12.49 % -

UNION BANK OF INDIA Quarterly Earnings Per Share (EPS)

EPS
Q-o-Q

14.66 %

Y-o-Y

9.74 %

Quarters EPS % Change
Dec2025 ₹6.65
14.66
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 -

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