The shares of this PSU surged by 6.8 percent during Friday’s trading session to touch the day high at Rs 123.48 per share after it announced strong Q4 results. In this article, we will look at the financial performance of this bank.
With a market capitalization of Rs 93,702 crores, the shares of Union Bank of India are currently trading at Rs 123 per share, down by 28.8 percent from its 52-week high of Rs 172.50. Over the last five years, the stock has delivered an impressive return of 418.28 percent.
Financial Highlights
Union Bank of India reported a net interest income of Rs 37,214 crores in FY25, up by 1.76 percent from its FY24 income of Rs 36,570 crores. On a year-on-year basis, it reported an income of Rs 9,514 crores in Q4 FY25, up by 0.82 percent from Rs 9,437 crores in Q4 FY24. On a quarter-on-quarter basis, it increased by 2.96 percent from Rs 9,240 crores.
It posted a net profit of Rs 17,987 crores in FY25, up by 31.79 percent from its FY24 net profit of Rs 13,648 crores. On a year-on-year basis, it reported a net profit of Rs 4,985 crores in Q4 FY25, up by 51 percent from Rs 3,311 crores in Q4 FY24. On a quarter-on-quarter basis, it increased by 8.28 percent from Rs 4,604 crores. Its NIM stands at 2.91 percent in FY25 as compared to 3.10 percent in FY24.
Its GNPA drastically improved to 3.60 percent in March 2025 as compared to 4.76 percent a year ago. Its NNPA also improved to 0.63 percent in March 2025 as compared to 1.03 percent a year ago. It has a slippage ratio of 1.13 percent as compared to 1.56 percent a year earlier.
As of March 2025, its credit-to-deposit ratio stands at 77.35 percent and 74.48 percent to global and domestic markets, respectively. Also, its capital adequacy saw a surge to 18.02 percent from 16.97 percent. Bank’s ROA improved by 38 bps on a YoY basis to 1.26 percent & ROE improved by 395 bps on a YoY basis to 17.20 percent during FY25.
Deposits grew by 7.22 percent YoY to Rs 13,09,750 crores in March 2025 from Rs 12,21,528 crores in March 2024. On a QoQ basis, it grew by 7.66 percent from Rs 12,16,562 crores. Its CASA deposits grew by 3.95% to Rs. 4,26,325 crores in Q4 FY25 as compared to Rs. 4,10,134 Crores a year ago.
Advances also grew by 8.62 percent YoY to Rs 9,82,894 crores in March 2025 from Rs 9,04,884 crores in March 2024. On a QoQ basis, it grew by 3.55 percent from Rs 9,49,164 crores. Provisions for non-performing assets increased to 7,308 crores in FY25 from Rs 6,387 crores. Additionally, the board has recommended a final dividend of Rs 4.75 per share, subject to approval by the board of directors.
Written by Satyajeet Mukherjee
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