Q2 2026 Union Bank of India Ltd Earnings Call Transcript

Oct 30, 2025 / 09:30 AM GMT

Release Date Price: ₹142.32 (-2.60%)

Transcript

Key Points

Positve

Union Bank of India (BOM:532477) reported a net profit increase of 3.25% for Q2 2026, reaching INR 4,249 crore.
The bank's capital adequacy ratio stands strong at 17.07%, one of the best in the industry.
Asset quality has improved with gross NPA reduced to 3.29% and net NPA declining to 0.55%.
The bank's return on equity is at a healthy 15.08%, indicating efficient use of shareholder funds.
Non-interest income saw a robust growth of 11.37%, contributing positively to the bank's revenue.

Negative

Union Bank of India (BOM:532477) has been lagging behind system loan growth for 12 quarters, focusing more on profitability than loan growth.
The cost of deposits has only decreased by 5 basis points, indicating limited repricing benefits.
Yield on advances has decreased by 16 basis points quarter-on-quarter, suggesting pressure on interest margins.
There is a significant increase in standard asset provisioning, which could impact future profitability.
The bank's operating expenses have increased, with other operating expenses rising by INR 342 crore this quarter.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

UNBK.NS - Union Bank of India Ltd
Q2 2026 Union Bank of India Ltd Earnings Call
Oct 30, 2025 / 09:30AM GMT

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Presentation
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Unidentified_1 [1]
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And welcome to the Union Bank of India earnings conference call for the period September 30th, 2025.

The bank is represented by the managing director and CEO Sri Ashishpande, executive directors Sri Nitesh Ranjan, Shri Rama Subramanian S, Sri Sanjay Rudra, and other members of the top management. As a reminder, all parts. Lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that this conference is being recorded.

Now I hand over the call to Mr. AJ Benson, deputy general manager.

Thank you

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