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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
14-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
09-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
14-01-2026
11:00:00 |
| End date and time of board meeting |
14-01-2026 12:30:00
|
| 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 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
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
19,88,362.00 |
59,60,488.00 |
|
Income on investments |
5,63,969.00 |
16,87,927.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
71,418.00 |
2,69,695.00 |
|
Others |
20,592.00 |
37,212.00 |
|
Total interest earned |
26,44,341.00 |
79,55,322.00 |
| 2 |
Other income |
4,54,105.00 |
14,02,265.00 |
| 3 |
Total income |
30,98,446.00 |
93,57,587.00 |
|
Expenses
|
| 4 |
Interest expenses |
17,11,548.00 |
52,30,037.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
4,01,110.00 |
11,86,565.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating Expenses |
2,91,628.00 |
8,74,564.00 |
|
Total other operating Expenses |
2,91,628.00 |
8,74,564.00 |
|
Total Operating Expenses |
6,92,738.00 |
20,61,129.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 24,04,286.00 |
72,91,166.00 |
| 7 |
Operating profit before provision and contingencies |
6,94,160.00 |
20,66,421.00 |
| 8 |
Provisions other than tax and contingencies |
32,223.00 |
3,38,347.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 6,61,937.00 |
17,28,074.00 |
| 11 |
Provision for Tax |
1,60,260.00 |
3,89,936.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
5,01,677.00 |
13,38,138.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
5,01,677.00 |
13,38,138.00 |
| 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
| 5,01,677.00 |
13,38,138.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 7,63,361.00 |
7,63,361.00 |
|
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 |
74.7600 |
74.7600 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
13.9400 |
13.9400 |
|
| Additional Tier 1 ratio |
1.1200 |
1.1200 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 6.57 |
17.53 |
|
Diluted earnings per share before extraordinary items
| 6.57 |
17.53 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 6.57 |
17.53 |
|
Diluted earnings per share after extraordinary items
| 6.57 |
17.53 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 31,12,088.00 |
31,12,088.00 |
|
Amount of net non-performing assets
| 5,10,215.00 |
5,10,215.00 |
|
% of gross NPAs |
3.0600 |
3.0600 |
|
% of net NPAs
| 0.5100 |
0.5100 |
|
Return on assets
| 1.3500 |
1.200 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 Operation |
7,44,620.00 |
23,31,381.00 |
| 2 |
Retail Banking and Operations |
12,08,379.00 |
35,29,904.00 |
| 3 |
Corporate/Wholesale Banking Operations |
10,40,756.00 |
32,63,139.00 |
| 4 |
Other Banking Operations |
53,338.00 |
1,27,220.00 |
| 5 |
Unallocated |
51,353.00 |
1,05,943.00 |
|
| Total Segment Revenue
| 30,98,446.00 |
93,57,587.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
30,98,446.00 |
93,57,587.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operation |
1,54,208.00 |
4,64,040.00 |
| 2 |
Retail Banking and Operations |
2,45,081.00 |
6,51,329.00 |
| 3 |
Corporate/Wholesale Banking Operations |
1,84,601.00 |
4,43,077.00 |
| 4 |
Other Banking Operations |
26,694.00 |
63,686.00 |
| 5 |
Unallocated |
51,353.00 |
1,05,942.00 |
|
Total Profit before tax |
6,61,937.00 |
17,28,074.00 |
|
i. Finance cost |
|
|
|
ii. Other Unallocable Expenditure net off Unallocable income
|
|
|
|
Profit before tax |
6,61,937.00 |
17,28,074.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operation |
4,44,97,702.00 |
4,44,97,702.00 |
| 2 |
Retail Banking and Operations |
4,90,86,569.00 |
4,90,86,569.00 |
| 3 |
Corporate/Wholesale Banking Operations |
5,21,63,288.00 |
5,21,63,288.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
25,02,629.00 |
25,02,629.00 |
|
Total Segment Assets |
14,82,50,188.00 |
14,82,50,188.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
14,82,50,188.00 |
14,82,50,188.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operation |
4,07,13,657.00 |
4,07,13,657.00 |
| 2 |
Retail Banking and Operations |
4,49,12,290.00 |
4,49,12,290.00 |
| 3 |
Corporate/Wholesale Banking Operations |
4,77,27,369.00 |
4,77,27,369.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
22,89,807.00 |
22,89,807.00 |
| |
Total Segment Liabilities |
13,56,43,123.00 |
13,56,43,123.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
13,56,43,123.00 |
13,56,43,123.00 |
|
Disclosure of notes on segments |
|
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
30-04-2027 |
| 2 |
Chhajed and Doshi |
Yes |
31-01-2026 |
| 3 |
P Chandrasekhar LLP |
Yes |
31-03-2028 |
| 4 |
V K Ladha and Associates |
Yes |
30-04-2026 |
Format for Disclosing Outstanding Default on Loans and Debt Securities
Amount in (Lakhs)
| Sr. No. |
Particulars |
Amount |
Remarks |
| 1. |
Loans / revolving facilities like cash credit
from banks / financial institutions |
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 2. |
Unlisted debt securities i.e. NCDs and NCRPS
|
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 3. |
Total financial indebtedness of the listed entity including short-term
and long-term debt |
78,44,000.00 |
|