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Union Bank of India (UNIONBANK) investor relations material
Union Bank of India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Net profit for Q2 FY26 was ₹4,249 crore, with H1 FY26 net profit at ₹8,36,461 lakh (standalone) and ₹8,41,784 lakh (consolidated), showing stable performance year-over-year.
Operating profit for Q2 FY26 was ₹6,814 crore; H1 FY26 at ₹13,72,261 lakh, reflecting a year-over-year decline.
Global business mix reached ₹22.10 trillion, with advances at ₹9.75 trillion and deposits at ₹12.35 trillion as of September 2025.
Digital transformation initiatives, including Vyom 2.0 and CBDC platform, enhanced customer engagement and operational efficiency.
Financial statements prepared in accordance with Indian GAAP and RBI guidelines, with unmodified audit opinions.
Financial highlights
Net Interest Margin (NIM) for Q2 FY26 was 2.67%, with a six-month NIM of 2.71%.
Return on Assets (ROA) at 1.16% for Q2 FY26; Return on Equity (ROE) at 15.08%.
Gross NPA ratio improved to 3.29% (down 107 bps YoY); Net NPA at 0.55% (down 43 bps YoY).
Provision Coverage Ratio (PCR) at 95.13% as of September 30, 2025.
Capital Adequacy Ratio (Basel III) at 17.07% standalone and 17.70% consolidated as of September 30, 2025.
Outlook and guidance
Focus on sustainable growth, digital transformation, and asset quality improvement.
Aspires to achieve 9-10% growth in both assets and liabilities by March 2026, targeting system-level loan growth.
NIM expected to stabilize or improve from Q3 onwards, assuming no further rate cuts.
No deviations or variations in the use of funds raised through equity or debt securities.
Strategy document for 1, 3, and 5 years under preparation, with regular reviews.
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Next Union Bank of India earnings date
Q3 25/2627 Jan, 2026
Next Union Bank of India earnings date
Q3 25/2627 Jan, 2026
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