Net interest income (NII) slipped 3.18% to Rs 9,113 crore in the June 2025 quarter, compared to Rs 9,412 crore in the June 2024 quarter. For Q1 FY26, the net interest margin (NIM) was 2.76%, down from 3.05% in the corresponding period last year.
Profit before tax (PBT) grew 4.96% YoY to Rs 5,244.15 crore in the quarter ended 30 June 2025.
The bank's operating profit before provisions and contingencies fell 11.26% to Rs 6,908.66 crore in the June 2025 quarter, compared to Rs 7,785.31 crore in the same quarter the previous year.
On the asset quality front, gross non-performing assets (GNPA) stood at Rs 34,311.31 crore as of 30 June 2025, down 17.16% from Rs 41,422.94 crore as of 30 June 2024. The gross NPA ratio stood at 3.52% as of 30 June 2025, compared to 4.54% as of 30 June 2024. The net NPA ratio stood at 0.62% as of 30 June 2025, down from 0.90% as of 30 June 2024.
The bank’s capital adequacy ratio as of 30 June 2025, as per Reserve Bank of India (RBI) guidelines under Basel III norms, was 18.84%, with a Tier-1 capital adequacy of 15.86%.
Total business of the bank increased by 5.01% YoY, with gross advances rising 6.83% YoY and total deposits growing 3.63% YoY. The bank had total business of Rs 22,14,422 crore as of 30 June 2025.
Global deposits have increased by 3.63% YoY. The bank now has a total deposit base of Rs 12,39,933 crore as of 30 June 2025. The RAM segment of the bank increased by 10.34% YoY, with in which 25.63% growth in retail and 17.65% growth in MSME advances were achieved on a YoY basis. RAM advances as a percentage of domestic advances stood at 58.11%.
The CRAR improved from 17.02% as of 30 June 2024 to 18.30% as of 30 June 2025. The CET-1 ratio rose from 13.81% to 15.30% over the same period.
The bank’s return on assets (ROA) and return on equity (ROE) stood at 1.11% and 15.15%, respectively, during Q1 FY26.
Union Bank of India is one of the leading public sector banks in the country. The Government of India holds 74.76% of the bank's total paid-up capital. The bank has 8,649 branches, including foreign branches, over 8,900 ATMs, more than 73,500 employees, and over 23,000 BC points.
"Prevent unauthorised transactions in your account ; Update your mobile numbers/email IDs with Us. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day” - Issued in the interest of Investors"
"KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary."
"No need to issue cheques by investors while subscribing to Equity IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account."