Union Bank of India Announces Audited Financial Results for FY 2025-26
Union Bank of India released its audited financial results for the quarter and year ended March 31, 2026, on April 23, 2026. The Bank’s Board of Directors approved the results during its meeting held on the same day, presenting a comprehensive view of the bank's performance across both standalone and consolidated metrics.The Board has also recommended a dividend of ₹ 5 per Equity Share of ₹ 10 for the Financial Year 2025-26. The payment of the dividend is subject to obtaining the necessary statutory approvals and the approval of the shareholders of the Bank at the ensuing Annual General Meeting.
Financial Performance Highlights
The financial statements provide detailed Standalone and Consolidated figures, highlighting key profitability metrics and ratios for the year ended March 31, 2026, compared to the previous year.The Standalone financial results show the following performance indicators for the year ended March 31, 2026 (figures in Lakhs):
| Metric | Year Ended 31.03.2026 (Audited) | Year Ended 31.03.2025 (Audited) |
|---|---|---|
| Total Income (1+2) | 31,85,115 | 1,25,72,185 |
| Operating Profit | 7,95,529 | 24,18,105 |
| Net Profit (after tax) | 5,31,576 | 17,98,714 |
| Capital Adequacy Ratio (Basel III) | 18.10% | 18.02% |
On the consolidated level, the key financial figures are reported as follows:
| Metric | Year Ended 31.03.2026 (Audited) | Year Ended 31.03.2025 (Audited) |
|---|---|---|
| Total Income | 1,28,39,951 | 1,28,16,222 |
| Operating Profit | 28,71,645 | 31,20,175 |
| Net Profit (after tax) | 19,43,020 | 18,02,696 |
| Capital Adequacy Ratio (Basel III) | 16.39% | 15.00% |
Segment Revenue and Operations
The Bank's operations are structured across four primary segments: Treasury, Retail, Corporate/Wholesale Banking, and Other Banking Operations. The segment reports provide an overview of the revenue generated by each division.For the year ended March 31, 2026 (figures in lakh):
| Segment | Total Segment Revenue (31.03.2026) | Total Segment Revenue (31.03.2025) |
|---|---|---|
| Treasury Operations | 30,10,749 | 31,03,142 |
| Retail Banking Operations | 47,57,399 | 45,09,187 |
| Corporate / Wholesale Banking Operations | 44,37,858 | 46,02,185 |
| Other Banking Operations | 1,74,507 | 2,46,434 |
Balance Sheet and Liquidity Position
The summarized Balance Sheets provide a snapshot of the Bank's financial structure. Total assets and liabilities remained stable across the reported period.| Particulars (Standalone) | 31.03.2026 | 31.03.2025 |
|---|---|---|
| Total Liabilities | 15,69,35,463 | 14,99,85,571 |
| Total Assets | 15,69,35,463 | 14,99,85,571 |
The Bank's Cash and Cash Equivalents at the end of the year were 95,70,469, showing a steady liquidity position.
The detailed Cash Flow Statement for the year ended March 31, 2026, reflected a net cash outflow from operating activities of (39,42,644), supported by a net cash inflow from financing activities of (3,62,596), resulting in a net increase in cash and cash equivalents of 11,53,539.
Key Financial Ratios (Standalone)
The Bank maintained strong ratios across key indicators:| Ratio | 31.03.2026 | 31.03.2025 |
|---|---|---|
| Capital Adequacy Ratio (Basel III) | 18.10% | 18.02% |
| Debt-Equity Ratio | 0.65 | 0.62 |
| Operating Margin (%) | 22.82% | 24.73% |
| Net Profit Margin (%) | 14.91% | 14.31% |
Investments and Non-Performing Assets
The Bank reported that the total outstanding financial indebtedness was 77,190. The amount of default on loans and debt securities was Nil.Regarding stressed assets, the detailed resolution plan implemented for Covid 19 related stress at March 31, 2026, showed:
- Exposure to accounts classified as standard consequent to implementation of resolution plan: 3,199.87 (in crore).
- Amount written off during the half year: 33.64 (in crore).
PSLC and Compliance
The Bank’s provision coverage ratio stood at 95.03% as of March 31, 2026, up from 94.61% the previous year.The Bank also provided details of its Security Cover certificate, detailing the total sanctioned amount of listed debt securities at 1,79,33,00,00,000.
UNIONBANK Stock Price Movement
As of 12:44 PM, shares of Union Bank of India are slipping by 2.44% in live trading, currently trading at ₹189.32. The stock is seeing high intraday interest, with 13.84 million shares exchanging hands during the current live session.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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