Union Bank of India has announced its financial results for the quarter and half-year ended September 30, 2025. The presentation, including reviewed financial results, is available on the bank’s website. Key performance indicators reflect a mix of growth and challenges in various sectors, with a focus on digital transformation and sustainable development.
Financial Overview
Union Bank of India presents its financial results for the quarter and half-year ending September 30, 2025. The bank’s global business mix reached ₹22.10 Trillion, comprising advances of ₹9.75 Trillion and deposits of ₹12.35 Trillion. The bank operates through 8,655 branches and 9,064 ATMs.
Key Performance Indicators (Q2 FY26)
The bank reported a 1.90% year-over-year growth in deposits and a 4.99% year-over-year increase in advances. RAM advances grew by 8.14% year-over-year. Asset quality saw GNPA at 3.29% and NNPA at 0.55%, with a PCR of 95.13%.
Key profitability metrics include RoA at 1.16% and RoE at 15.08%. The book value per share stands at ₹147.69.
Business Segment Performance
The bank’s retail portfolio stands at approximately ₹2.39 lakh crores, with 25.31% of domestic advances. The agriculture portfolio reached approximately ₹1.68 lakh crores, representing 17.87% of domestic advances. The MSME portfolio is around ₹1.47 lakh crores, accounting for 15.64% of domestic advances.
Digital Initiatives and Footprint
The bank is focused on expanding its digital presence. Digital lending journeys have generated over ₹24,600 Cr in business, and digital liability journeys have led to 7,73,417 new accounts. Mobile banking users reached 318 lakhs, while net banking users (retail) totaled 90 lakhs. Digital transactions are increasing, with UPI transactions reaching 33,797.
Commitment to Sustainability
Union Bank of India is committed to ESG principles, focusing on environmental, social, and governance aspects. Key initiatives include:
- Board-approved ESG Risk Framework & Climate Risk Policy
- Supporting renewable energy and sustainable development
- Promoting social responsibility through various programs, including training and financial inclusion initiatives.
Awards and Recognition
The bank’s efforts have been recognized through awards, including recognition for its HR digital transformation and digital learning initiatives.
Source: BSE
