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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 08-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 03-May-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 08-May-2025   17:30:00
End date and time of board meeting 08-May-2025   19:15:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 203941900000 792558300000
Income on investments 59080400000 236307900000
Interest on balances with reserve bank of India and other inter bank funds 14701200000 51247900000
Others 966500000 4058600000
Total interest earned 278690000000 1084172700000
2 Other income 62234800000 215619800000
3 Total income 340924800000 1299792500000
Expenses
4 Interest expenses 182448100000 707333100000
5 Operating expenses
(i) Employees cost 41476200000 149963000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating expenses 39650700000 130478900000
Total other operating Expenses 39650700000 130478900000
Total Operating Expenses 81126900000 280441900000
6 Total expenditure excluding provisions and contingencies 263575000000 987775000000
7 Operating profit before provision and contingencies 77349800000 312017500000
8 Provisions other than tax and contingencies 15602200000 77778700000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 61747600000 234238800000
11 Provision for Tax 11735400000 55027100000
12 Net profit (loss) from ordinary activities after tax 50012200000 179211700000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 50012200000 179211700000
15 Share of profit (loss) of associates 100000000 1057900000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 50112200000 180269600000
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) 1006312100000
20 Analytical ratios
(i) Percentage of share held by government of India 74.76 74.76
(ii) Capital adequacy ratio
CET 1 ratio 15 15
Additional Tier 1 ratio 1.25 1.25
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 6.56 23.62
Diluted earnings per share before extraordinary items 6.56 23.62
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 6.56 23.62
Diluted earnings per share after extraordinary items 6.56 23.62
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 76336100000
Reserves and surplus 1060964700000
Deposits 13122913700000
Borrowings 274897900000
Other liabilities and provisions 578181800000
Total Capital Liabilities 15113294200000
2 ASSETS
Cash and Balances with Reserve Bank of India 895085000000
Balances with Banks and money at call and short notice 421752400000
Investments 3619033600000
Advances 9567286800000
Fixed Assets 98240900000
Other Assets 511895500000
Total Assets 15113294200000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 89937200000 328484500000
2 Retail Banking Operations 116794100000 450918700000
3 Corporate and Wholesale Banking Operations 117000800000 460218500000
4 Other Banking Operations 3604500000 24643400000
5 Unallocated 13588200000 35527400000
Total Segment Revenue 340924800000 1299792500000
Less: Inter segment revenue 0 0
Income from operations 340924800000 1299792500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 19212800000 58326000000
2 Retail Banking Operations 21185300000 87533200000
3 Corporate and Wholesale Banking Operations 14251300000 64372100000
4 Other Banking Operations 1706400000 13435500000
5 Unallocated 5391700000 10571900000
Total Profit before tax 61747500000 234238700000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 61747500000 234238700000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 4964695500000 4964695500000
2 Retail Banking Operations 4578408700000 4578408700000
3 Corporate and Wholesale Banking Operations 5150267600000 5150267600000
4 Other Banking Operations 0 0
5 Unallocated 419922400000 419922400000
Total Segment Assets 15113294200000 15113294200000
Un-allocable Assets 0 0
Net Segment Assets 15113294200000 15113294200000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4590734500000 4590734500000
2 Retail Banking Operations 4233544300000 4233544300000
3 Corporate and Wholesale Banking Operations 4762328700000 4762328700000
4 Other Banking Operations 0 0
5 Unallocated 388345900000 388345900000
Total Segment Liabilities 13974953400000 13974953400000
Un-allocable Liabilities 0 0
Net Segment Liabilities 13974953400000 13974953400000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 10838800000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 40292400000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 1057900000
Total adjustments to profit (loss) 52189100000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables -899574300000
Adjustments for decrease (increase) in other current assets -152592800000
Adjustments for increase (decrease) in trade payables 70610000000
Adjustments for increase (decrease) in other current liabilities 876980000000
Adjustments for provisions 0
Total adjustments for working capital -104577100000
Total adjustments for reconcile profit (loss) -52388000000
Net cash flows from (used in) operations 181850800000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 7057000000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 174793800000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 174793800000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 2438300000
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 0
Purchase of tangible assets 16691600000
Proceeds from sales of intangible assets 216400000
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -18913500000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -18913500000
5 Cash flows from used in financing activities
Proceeds from issuing shares 1334600000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 5155300000
Repayments of borrowings 0
Dividends paid 27480900000
Interest paid 14510300000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -35501300000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -35501300000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 120379000000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 120379000000
Cash and cash equivalents cash flow statement at beginning of period 1196458400000
Cash and cash equivalents cash flow statement at end of period 1316837400000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date