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Union Bank Q4 FY26: Net profit ₹5.32 lakh crore

April 23, 2026 3 mins read Firehose Gupta

Union Bank of India — Quarter/Year ended March 31, 2026 (Published April 23, 2026)

बीएसई लिमिटेड BSE Ltd. नेशनल स्टॉक एक्स्चेंज ऑफ़ इंडिया लिमिटेड National Stock Exchange of India Ltd.
बीएसई लिस्टिंग सेंटर BSE Listing Centre निप्स NEAPS
स्क्रिप कोड Scrip Code – 532 477 स्क्रिप कोड Scrip Symbol-UNIONBANK-EQ
सिक्योरिटी Security – UBI-AT/BB
Particulars Quarter Ended Year Ended
31.03.2026 (Audited) 31.12.2025 (Unaudited)
1. Interest Earned 26,43,901 26,44,341
(a) + (b) + (c) + (d)
(a) Interest/Discount on Advances/Bills 20,30,255 19,88,362
(b) Income on Investments 5,43,021 5,63,969
(c) Interest on Balances with Reserve Bank of India and other Inter Bank Funds 43,539 71,418
(d) Others 27,086 20,592
2. Other Income 5,41,214 4,54,105
A. TOTAL INCOME (1+2) 31,85,115 30,98,446
3. Interest Expended 17,03,303 17,11,548
4. Operating Expenses (a) + (b) 6,86,283 6,92,738
(a) Employees Cost 3,42,477 4,01,110
(b) Other operating expenses 3,43,806 2,91,628
B. TOTAL EXPENDITURE (3+4) 23,89,586 24,04,286
(Excluding Provisions and Contingencies)
C. OPERATING PROFIT (A-B) 7,95,529 6,94,160
(Profit before Provisions and Contingencies)
D. Provisions and Contingencies (Other than Tax) 1,05,498 32,223
Of which provisions for Non-Performing Assets 42,317 23,514
E. Exceptional Items – –
F. Profit/(Loss) from Ordinary Activities before Tax (C-D-E) 6,90,031 6,61,937
G. Tax Expenses 1,58,455 1,60,260
H. Net Profit/(Loss) from Ordinary activities after tax (F-G) 5,31,576 5,01,677
I. Extraordinary items (net of tax expense) – –
J. Net Profit/(Loss) for the period (H-I) 5,31,576 5,01,677
5. Paid-up Equity Share Capital (F.V. of each share Rs. 10) 7,63,361 7,63,361
6. Reserves excluding Revaluation Reserves (As per Balance Sheet of previous Accounting Year)
7. Analytical Ratios
(i) Percentage of Shares held by Government of India 74.76% 74.76%
(ii) Capital Adequacy Ratio (Basel III)
(a) CET 1 Ratio 15.69% 13.94%
(b) Additional Tier 1 Ratio 0.94% 1.12%
(iii) Basic and Diluted Earning Per Share
(a) Before Extraordinary Items (₹) *6.96 *6.57
(b) After Extraordinary Items (₹) *6.96 *6.57
(iv) NPA Ratios
(a) Amount of Gross Non-Performing Assets 30,40,077 31,12,088
(b) Amount of Net Non-Performing Assets 5,06,728 5,10,215
(c) % of Gross NPAs 2.82% 3.06%
(d) % of Net NPAs 0.48% 0.51%
(v) Return on Assets (Annualised) (Average) (%) 1.36% 1.35%
(vi) Outstanding Redeemable Preference Shares (Quantity and Value) – –
(vii) Capital Redemption Reserve – –
(viii) Debenture Redemption Reserve – –
Particulars Quarter Ended Year Ended
31.03.2026 (Audited) 31.12.2025 (Unaudited) 31.03.2025 (Audited) 31.03.2026 (Audited) 31.03.2025 (Audited)
1 Interest Earned
(a) + (b) + (c) + (d) 26,67,595 26,81,918 27,36,736 1,06,79,889 1,06,60,024
(a) Interest/Discount on Advances/Bills 20,34,578 19,93,140 20,39,419 80,09,845 79,25,583
(b) Income on Investments 5,60,979 5,95,426 5,90,804 22,87,272 23,63,079
(c) Interest on Balances with Reserve Bank of India and other Inter Bank Funds 44,219 72,316 96,848 3,16,240 3,30,776
(d) Others 27,819 21,036 9,665 66,532 40,586
2 Other Income 5,99,858 5,18,274 6,22,348 21,60,062 21,56,198
A. TOTAL INCOME (1+2) 32,67,453 32,00,192 33,59,084 1,28,39,951 1,28,16,222
3 Interest Expended 17,00,541 17,36,993 17,74,317 69,47,733 68,91,628
4 Operating Expenses (a) + (b) 7,69,327 7,67,214 8,11,269 30,20,573 28,04,419
(a) Employees Cost 3,53,904 4,11,386 4,14,762 15,68,731 14,99,630
(b) Other operating expenses 4,15,423 3,55,828 3,96,507 14,51,842 13,04,790
B. TOTAL EXPENDITURE (3+4)
(Excluding Provisions and Contingencies)		 24,69,868 25,04,207 25,85,586 99,68,306 96,96,047
C. OPERATING PROFIT (A-B)
(Profit before Provisions & Contingencies)		 7,97,585 6,95,985 7,73,498 28,71,645 31,20,175
D. Provisions and Contingencies (Other than Tax) 1,05,031 32,209 1,56,022 4,43,195 7,77,787
Of which provisions for Non-Performing Assets 41,777 23,562 1,68,552 2,32,738 7,42,640
E. Exceptional Items – – – – –
F. Profit/(Loss) from Ordinary Activities before Tax (C-D-E) 6,92,554 6,63,776 6,17,476 24,28,450 23,42,388
G. Tax Expenses 1,59,159 1,60,894 1,17,354 5,50,388 5,50,271
H. Net Profit/(Loss) from Ordinary activities after tax (F-G) 5,33,395 5,02,882 5,00,122 18,78,062 17,92,117
I. Extraordinary items (net of tax expense) – – – – –
J. Less: Minority Interest – – – 64,958 10,579
K. Add: Share of Profit in Associate 16,966 4,387 1,000 64,958 18,02,696
L. Net Profit/(Loss) for the period (H-I-J+K) 5,50,361 5,07,269 5,01,122 19,43,020 18,02,696
5 Paid-up Equity Share Capital (F.V. of each share Rs.10) 7,63,361 7,63,361 7,63,361 7,63,361 7,63,361
6 Reserves excluding Revaluation Reserves – – – 1,18,83,199 1,00,63,121
7 Analytical Ratios
(i) Percentage of Shares held by Government of India 74.76% 74.76% 74.76% 74.76% 74.76%
(ii) Capital Adequacy Ratio (Basel III) % 18.78% 17.14% 18.02% 18.78% 18.02%
(a) CET 1 Ratio 16.39% 14.61% 15.00% 16.39% 15.00%
(b) Additional Tier 1 Ratio 0.93% 1.11% 1.25% 0.93% 1.25%
(iii) Basic and Diluted Earning Per Share
(a) Before Extraordinary Items *7.21 *6.65 *6.56 25.45 23.62
(b) After Extraordinary Items *7.21 *6.65 *6.56 25.45 23.62
(IV) Net Worth 1,22,41,065 1,21,99,576 1,05,05,836 1,22,41,065 1,05,05,836
Operating Margin (%) (Operating Profit / Total Income) 24.41 21.75 23.03 22.36 24.35
Net Profit Margin (%) (Net Profit after Tax / Total Income) 16.84 15.85 14.92 15.13 14.07
Particulars Quarter Ended Year Ended
31.03.2026 (Audited) 31.12.2025 (Unaudited)
(a) Segment Revenue
1 Treasury Operations 6,79,367 7,44,620
2 Retail Banking Operations 12,27,496 12,08,379

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