Union Bank of India announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The bank reported an operating profit of ₹6,941.6 million for the quarter. Net profit stood at ₹5,016.77 million. The bank’s gross NPA ratio is 3.06% and Net NPA is 0.51%. Capital Adequacy Ratio (Basel III) is 16.49%.
Financial Performance Highlights
Union Bank of India reported the following key financial figures for the quarter ended December 31, 2025:
- Interest Earned: ₹264,434.1 million
- Other Income: ₹45,410.5 million
- Total Income: ₹309,844.6 million
- Interest Expended: ₹171,154.8 million
- Operating Expenses: ₹69,273.8 million
- Operating Profit: ₹69,416 million
- Provisions and Contingencies: ₹322.23 million
- Net Profit: ₹5,016.77 million
Key Ratios
The bank’s performance indicators include:
- Gross NPA: 3.06%
- Net NPA: 0.51%
- Capital Adequacy Ratio (Basel III): 16.49% with CET 1 Ratio at 13.94%
Segment Reporting
Segment-wise performance is as follows:
- Treasury Operations: Revenue ₹74,462 million, Net Profit after Tax ₹15,420.8 million
- Retail Banking Operations: Revenue ₹120,837.9 million, Net Profit after Tax ₹24,508.1 million
- Corporate/Wholesale Banking Operations: Revenue ₹104,075.6 million, Net Profit after Tax ₹18,460.1 million
- Other Banking Operations: Revenue ₹5,333.8 million, Net Profit after Tax ₹2,669.4 million
Additional Information
The bank has exercised a call option for the redemption of ₹15,000 million in Basel III compliant bonds during the period from April 1, 2025, to December 31, 2025. As of December 31, 2025, the provision coverage ratio of the Bank is 95.13%.
Source: BSE
