Q4 2026 Union Bank of India Ltd Earnings Call Transcript

Apr 23, 2026 / 07:15 AM GMT

Release Date Price: ₹179.71 (-7.39%)

Transcript

Key Points

Positve

Union Bank of India (BOM:532477) reported a net profit of 18,697 crores, indicating strong financial performance.
The bank's gross advances increased by 9.74% year-over-year, showcasing robust growth in lending activities.
The bank's CASA (Current Account Savings Account) ratio improved from 32.51% to 35.21%, reflecting a strategic shift towards more stable and low-cost deposits.
The bank's capital adequacy ratio (CRAR) stood at 18.10%, indicating a strong capital position.
The bank declared a dividend of Rs. 5 per equity share, reflecting confidence in its financial health and commitment to shareholder returns.

Negative

The overall deposit growth for the year was only 2.72%, which is relatively low compared to the credit growth.
The bank's margins have fallen more than anticipated, with a reduction in the net interest margin (NIM) from 2.91% to 2.70%.
There was an increase in fresh slippages to 2,023 crores in the quarter, indicating potential asset quality concerns.
The bank's operating expenses increased by 522 crores in the quarter, which could impact profitability.
The bank's liquidity coverage ratio (LCR) is among the lowest, raising concerns about liquidity management.

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

UNBK.NS - Union Bank of India Ltd
Q4 2026 Union Bank of India Ltd Earnings Call
Apr 23, 2026 / 07:15AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and Gentlemen, Good day and welcome to Union Bank of India Earnings Conference Call for the period ended March 31, 2026.

The bank is represented by the Managing Director and CEO Shri Ashish Pande, Executive Directors Shri Nitesh Ranjan, Shri Ramasubramanan , Shri Sanjay Rudra, Shri Amrish Prasad and other members of the top management.

As a reminder, all participant 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 star and zero on your touchtone phone. Please note that this conference is being recorded.

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