Union Bank of India Financial Statements

Name: Union Bank of India Financials — historical data
Creator: StockeZee

For Mar 2026, Union Bank of India reported net profit of ₹18,781 crore. Return on equity stands at 15.70%. Profit & loss, balance sheet and cash flow across 9 reported years are below.

Updated 31 Jul 2026Source: NSE & BSE company filingsNifty 100 constituent

Profit after tax: ₹18,781 Cr
EPS: ₹25.45
Latest year: Mar 2026
Years reported: 9

Union Bank of India profit & loss

Reported annual performance for Union Bank of India, oldest to newest. Figures in ₹ crore unless a row states otherwise.

Union Bank of India annual profit and loss statement. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Interest Earned	32,952	34,314	37,479	69,311	68,230	81,163	1,00,376	1,08,417	1,06,799
Interest on Balances with RBI	1,141	1,206	1,206	2,119	2,144	2,132	4,891	5,125	3,162
Interest on Advances/Bills	22,857	23,869	25,153	45,834	45,293	56,875	72,156	79,256	80,098
Other Interest	56	90	385	323	633	521	499	406	665
Revenue on Investments	8,898	9,149	10,736	21,035	20,159	21,636	22,829	23,631	22,873
Other Income	5,462	5,042	5,789	13,899	13,524	15,915	17,813	21,562	21,601
Total Income	38,414	39,355	43,268	83,211	81,754	97,079	1,18,188	1,29,979	1,28,400
Net Interest Income	9,481	10,418	11,642	25,199	28,051	33,130	37,012	37,684	37,322
Total Banking Expenses	30,822	31,752	34,025	63,864	59,881	71,520	89,870	98,778	99,683
Interest Expended	23,471	23,896	25,837	44,112	40,178	48,033	63,364	70,733	69,477
Employees Cost	3,332	3,237	3,464	9,231	10,264	12,524	14,593	14,996	15,687
Other Operating Expenses	4,019	4,619	4,724	10,521	9,439	10,963	11,913	13,048	14,518
Provisions for Loan Losses	14,199	11,536	10,885	17,019	13,307	13,412	6,811	7,778	4,432
Profit Before Tax (PBT)	-6,607	-3,933	-4,151	2,327	8,566	12,146	21,508	23,424	24,285
Tax Expense	-1,386	-1,000	-1,110	-501	3,358	3,716	7,799	5,503	5,504
Effective Tax %	20.98%	25.42%	26.75%	-21.52%	39.2%	30.59%	36.26%	23.49%	22.66%
Total Profit for Period	-5,221	-2,933	-3,041	2,828	5,209	8,430	13,709	17,921	18,781
Net Profit (Owner's PAT)	-5,221	-2,933	-3,041	2,828	5,209	8,430	13,709	17,921	18,781
PAT Growth YoY %	—	43.81%	-3.66%	193%	84.17%	61.86%	62.61%	30.73%	4.8%
Earnings Per Share (EPS)	₹-44.61	₹-16.58	₹-9.12	₹4.47	₹7.7	₹12.45	₹18.07	₹23.62	₹25.45
Diluted Shares Outstanding (Cr.)	117	176	342	641	683	683	763	763	763
Gross NPA	49,370	49,171	0	0	0	0	43,098	0	0
Net NPA	24,326	20,588	0	0	0	0	8,990	0	0
Gross NPA (%)	0	0	0	0	0	0	0	0	0
Net NPA (%)	0	0	0	0	0	0	0	0	0
Additional Tier 1 Ratio (%)	0.02	0.01	0.01	0.01	0.02	0.02	0.01	0.01	0.01
CET-1 Ratio (%)	0.08	0.08	0.09	0.09	0.11	0.12	0.14	0.15	0.16
Profit/Loss from Associates	8	11	-80	35	57	81	88	106	650

Union Bank of India balance sheet

Assets, liabilities and shareholders' equity as reported, in Schedule III order. Figures in ₹ crore unless a row states otherwise.

Union Bank of India annual balance sheet with assets, liabilities and equity. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Shareholders' Equity	26,836	33,989	64,738	70,861	78,804	97,598	1,13,730	1,33,551
Equity Share Capital	1,867	3,527	6,511	6,939	6,939	7,738	7,634	7,738
Reserves & Surplus	24,969	30,463	58,227	63,922	71,865	89,860	1,06,096	1,25,814
Total Banking Liabilities	4,71,745	5,21,520	10,17,640	11,22,904	12,09,554	13,04,398	13,97,599	14,53,951
Deposits	4,17,505	4,52,436	9,25,654	10,34,368	11,20,322	12,24,593	13,12,291	13,09,759
Borrowings	43,276	52,714	51,922	51,245	42,737	26,974	27,490	77,798
Other Liabilities & Provisions	10,964	16,369	40,063	37,292	46,495	52,831	57,818	66,395
Total Liabilities	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329	15,87,503
Total Banking Assets	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329	15,87,503
Cash & Balances with RBI	20,800	20,119	37,886	46,116	50,258	52,902	89,509	66,477
Bank Balances & Money at Call	22,363	35,130	46,878	73,642	62,341	66,744	42,175	29,567
Investments	1,28,391	1,54,251	3,39,059	3,51,839	3,43,727	3,43,953	3,61,903	3,43,623
Advances	2,98,780	3,17,677	5,93,320	6,63,356	7,64,277	8,74,080	9,56,729	10,57,188
Fixed Assets	3,774	4,776	7,366	7,208	8,848	9,260	9,824	11,660
Other Assets	24,472	23,556	57,869	51,604	58,907	55,058	51,190	78,989
Non-Current Assets	3,774	4,776	7,366	7,208	8,848	9,260	9,824	11,660
Fixed Assets	3,774	4,776	7,366	7,208	8,848	9,260	9,824	11,660
Total Assets	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329	15,87,503
Total Borrowings	43,276	52,714	51,922	51,245	42,737	26,974	27,490	77,798
Net Debt	22,475	32,595	14,037	5,129	-7,522	-25,927	-62,019	11,321
Debt to Equity (x)	1.61	1.55	0.8	0.72	0.54	0.28	0.24	0.58

Union Bank of India cash flow statement

Cash generated and used across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.

Union Bank of India annual cash flow statement across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Net Cash from Operating Activities	36,339	6,111	19,930	17,479	-35,798
Profit Before Tax	0	0	0	0	0
Depreciation & Amortisation	738	745	896	1,084	1,204
Finance Costs	0	1,586	0	0	0
Working Capital Changes	12,119	-21,047	-6,259	-10,458	-66,604
Tax Paid	0	0	-3,020	-706	-322
Net Cash from Investing Activities	-326	-2,561	-1,394	-1,891	-7,075
Purchase of PPE	0	0	0	0	0
Sale of Fixed Assets	308	683	343	22	191
Interest Received	0	0	0	0	0
Net Cash from Financing Activities	-1,018	-10,654	-11,489	-3,550	7,729
Proceeds from Borrowings	0	0	0	516	15,510
Repayment of Borrowings	0	-100	-13,762	0	-2,705
Interest Paid	-1,551	-1,586	-1,647	-1,451	-1,451
Dividend Paid	0	-1,299	-2,050	-2,748	-3,626
Buyback / Redemption of Shares	0	0	0	0	0
Lease Liabilities Paid	0	0	0	0	0
Net Change in Cash	34,995	-7,104	7,047	12,038	-35,145
Effect of Foreign Exchange Changes	0	0	0	0	0
Free Cash Flow	36,339	6,111	19,930	17,479	-35,798

Union Bank of India key ratios

Valuation, profitability, return, leverage and per-share measures computed from reported statements — not from adjusted or normalised earnings.

Union Bank of India trades at a P/E of 6.30× against a sector median of 7.54× — a 16% discount. Sector comparisons can mislead for conglomerates with mixed business lines.

Union Bank of India valuation, profitability, return and leverage ratios
Ratio	Category	Value
P/E (TTM)	Valuation	6.3
Forward P/E	Valuation	6.88
P/B	Valuation	0.97
PEG (TTM)	Valuation	0.26
EV / EBITDA (TTM)	Valuation	2.33
P/S (TTM)	Valuation	2.45
Operating margin	Profitability	68.1%
Net margin (TTM)	Profitability	33.21%
Return on equity	Return ratios	15.7%
Return on capital employed	Return ratios	6.3%
Return on assets	Return ratios	1.25%
Debt to equity	Leverage & liquidity	9.74
Beta	Leverage & liquidity	1.45
EPS (TTM)	Per share	₹27
Book value	Per share	₹183
Revenue / share (TTM)	Per share	₹78.94
Cash flow / share	Per share	₹-46.9
Dividend yield	Shareholder returns	2.93%
Dividend payout (TTM)	Shareholder returns	38.33%

How this is calculated

Statements are as filed with the exchanges. Consolidated figures are shown where reported. Figures are in rupees crore unless the table states otherwise. Ratios are computed from the same reported statements, not from adjusted or normalised earnings.

Index membership reflects the Nifty 100 as published by NSE Indices, effective 2026-03-30.

Union Bank of India: frequently asked questions

Is Union Bank of India profitable?

Union Bank of India reported a net profit of ₹18,781 crore in Mar 2026, up 4.8% on the previous financial year.

What is Union Bank of India's EPS?

Union Bank of India reported earnings per share of ₹25.45 for Mar 2026.

What is Union Bank of India's return on equity?

Union Bank of India's return on equity stands at 15.70%. ROE measures profit generated per rupee of shareholder equity.

How many years of Union Bank of India financials are shown?

9 reported financial years are tabulated on this page, the most recent being Mar 2026.

Are these figures consolidated or standalone?

Consolidated figures are shown wherever the company reports them, and standalone otherwise. The basis in use is labelled on the statement table.

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Disclaimer

The data, ratios and commentary about Union Bank of India (UNIONBANK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.