INTEGRATED FILING — BANKING



General information about company

Scrip code 532477
NSE Symbol UNIONBANK
MSEI Symbol NOTLISTED
ISIN INE692A01016
Name of bank Union Bank of India
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 16-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   11:00:00
End date and time of board meeting 19-Jul-2025   13:15:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 200962200000 200962200000
Income on investments 58221000000 58221000000
Interest on balances with reserve bank of India and other inter bank funds 12912400000 12912400000
Others 860000000 860000000
Total interest earned 272955600000 272955600000
2 Other income 44857800000 44857800000
3 Total income 317813400000 317813400000
Expenses
4 Interest expenses 181830100000 181830100000
5 Operating expenses
(i) Employees cost 39459000000 39459000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 27437700000 27437700000
Total other operating Expenses 27437700000 27437700000
Total Operating Expenses 66896700000 66896700000
6 Total expenditure excluding provisions and contingencies 248726800000 248726800000
7 Operating profit before provision and contingencies 69086600000 69086600000
8 Provisions other than tax and contingencies 16645100000 16645100000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 52441500000 52441500000
11 Provision for Tax 11286200000 11286200000
12 Net profit (loss) from ordinary activities after tax 41155300000 41155300000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 41155300000 41155300000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 41155300000 41155300000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 76336100000 76336100000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 74.76 74.76
(ii) Capital adequacy ratio
CET 1 ratio 15.3 15.3
Additional Tier 1 ratio 1.28 1.28
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 5.39 5.39
Diluted earnings per share before extraordinary items 5.39 5.39
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 5.39 5.39
Diluted earnings per share after extraordinary items 5.39 5.39
(iv) NPA Ratios
Amount of gross non-performing assets 343113100000 343113100000
Amount of net non-performing assets 58739000000 58739000000
% of gross NPAs 3.52 3.52
% of net NPAs 0.62 0.62
Return on assets 1.11 1.11
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 86141900000 86141900000
2 Retail Banking Operations 117923700000 117923700000
3 Corporate/Wholesale Banking Operations 110343200000 110343200000
4 Other Banking Operations 3268400000 3268400000
5 Unallocated 136200000 136200000
Total Segment Revenue 317813400000 317813400000
Less: Inter segment revenue 0
Income from operations 317813400000 317813400000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 17224200000 17224200000
2 Retail Banking Operations 23285300000 23285300000
3 Corporate/Wholesale Banking Operations 10135400000 10135400000
4 Other Banking Operations 1660300000 1660300000
5 Unallocated 136300000 136300000
Total Profit before tax 52441500000 52441500000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 52441500000 52441500000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 4892137600000 4892137600000
2 Retail Banking Operations 4689787300000 4689787300000
3 Corporate/Wholesale Banking Operations 4984263700000 4984263700000
4 Other Banking Operations 0 0
5 Unallocated 253046600000 253046600000
6 Treasury Operations 4892137600000 4892137600000
7 Retail Banking Operations 4689787300000 4689787300000
8 Corporate/Wholesale Banking Operations 4984263700000 4984263700000
9 Other Banking Operations 0 0
10 Unallocated 253046600000 253046600000
Total Segment Assets 14819235200000 14819235200000
Un-allocable Assets 0 0
Net Segment Assets 14819235200000 14819235200000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4505594700000 4505594700000
2 Retail Banking Operations 4319232800000 4319232800000
3 Corporate/Wholesale Banking Operations 4590441700000 4590441700000
4 Other Banking Operations 0 0
5 Unallocated 233052600000 233052600000
6 Treasury Operations 4505594700000 4505594700000
7 Retail Banking Operations 4319232800000 4319232800000
8 Corporate/Wholesale Banking Operations 4590441700000 4590441700000
9 Other Banking Operations 0 0
10 Unallocated 233052600000 233052600000
Total Segment Liabilities 13648321800000 13648321800000
Un-allocable Liabilities 0 0
Net Segment Liabilities 13648321800000 13648321800000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 G S Mathur and Co Yes 30-Apr-2027
2 Chhajed and Doshi Yes 31-Jan-2026
3 P Chandrasekhar LLP Yes 31-Mar-2028
4 V K Ladha and Associates Yes 30-Apr-2026


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 676552500000