	2012 Mar 31	2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Net Interest & Dividend Income	6,923	7,593	7,927	8,525	8,422	9,041	9,481	10,418	11,642	25,199	28,051	33,130	37,012	37,684	37,322
Non-Interest Revenue	1,289	1,424	1,699	2,215	2,252	3,551	2,693	1,787	2,523	5,702	5,717	4,120	5,382	6,857	6,737
Total Revenue	8,211	9,018	9,626	10,740	10,674	12,592	12,174	12,204	14,165	30,901	33,769	37,251	42,394	44,541	44,059
Total Operating Expenses	5,529	5,978	7,588	7,980	8,914	12,259	17,212	16,545	15,430	27,839	25,002	23,187	21,245	21,215	19,654
Operating Profit	2,682	3,039	2,038	2,760	1,760	333	-5,038	-4,340	-1,265	3,063	8,767	14,064	21,149	23,326	24,405
Operating Margin	32.7	33.7	21.2	25.7	16.5	2.6	-41.4	-35.6	-8.9	9.9	26.0	37.8	49.9	52.4	55.4
Profit before Taxes	2,681	3,037	2,040	2,759	1,758	359	-6,607	-3,933	-4,151	2,327	8,566	12,147	21,508	23,424	24,284
Income Taxes	926	906	371	1,002	415	-208	-1,386	-1,000	-1,110	-501	3,358	3,716	7,799	5,503	5,504
Profit after Tax	1,748	2,135	1,676	1,761	1,356	573	-5,212	-2,922	-3,121	2,863	5,265	8,512	13,797	18,027	19,430
PAT Margin	21.3	23.7	17.4	16.4	12.7	4.5	-42.8	-23.9	-22.0	9.3	15.6	22.8	32.5	40.5	44.1
EPS - Basic - ex Extraordinary Items	33.79	38.44	27.55	27.67	20.50	8.33	-68.98	-24.87	-13.45	4.47	7.77	12.45	19.15	23.62	25.45
EPS - Diluted - ex Extraordinary Items	33.79	38.44	27.55	27.67	20.50	8.33	-68.98	-24.87	-13.45	4.47	7.77	12.45	19.15	23.62	25.45
EBIT	2,682	3,039	2,038	2,760	1,760	333	-5,038	-4,340	-1,265	3,063	8,767	14,064	21,149	23,326	24,405
EBITDA	2,833	3,195	2,236	2,985	2,009	574	-4,670	-3,967	-848	3,971	9,512	14,808	22,045	24,410	25,609
EBITDA Margin	34.5	35.4	23.2	27.8	18.8	4.6	-38.4	-32.5	-6.0	12.8	28.2	39.8	52.0	54.8	58.1

Balance Sheet

Abridged

Understanding Balance Sheet

Union Bank Of India balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	15,806	16,536	23,712	26,011	34,259	32,726	37,435	35,638	34,949	55,063	64,222	81,169	84,910	1,31,078	80,723
Lending & LT Balance with Banks	12,182	12,298	9,605	10,055	8,356	10,990	19,328	9,937	25,326	3,52,634	4,27,061	4,43,792	4,71,054	4,68,769	5,98,085
Property Plant & Equipment - Net	2,320	2,464	2,578	2,667	3,927	3,879	3,813	3,742	4,707	7,066	6,967	8,656	9,027	9,346	11,101
Total Assets	2,63,025	3,12,912	3,55,014	3,83,569	4,07,365	4,55,681	4,91,120	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329	15,87,503
Deposits - Total	2,22,777	2,63,682	2,97,651	3,17,450	3,44,118	3,77,195	4,10,288	4,17,505	4,52,436	9,25,654	10,34,368	11,20,322	12,24,593	13,12,291	13,09,759
Long Term Debt	10,725	12,029	29,316	35,168	30,637	41,225	45,680	43,276	52,714	51,922	51,245	42,737	26,974	27,490	77,798
Total Liabilities	2,48,205	2,95,452	3,36,250	3,63,661	3,84,316	4,31,588	4,65,869	4,71,745	5,21,520	10,17,640	11,22,904	12,09,554	13,04,398	13,97,495	14,53,951
Total Shareholders' Equity	14,779	17,430	18,745	19,899	23,048	24,094	25,252	26,836	33,989	64,738	70,861	78,804	97,598	1,13,834	1,33,551
Minority Interest	41	30	19	9	-	-	-	-	-	-	-	-	-	-	-
Total Equity	14,819	17,460	18,764	19,908	23,048	24,094	25,252	26,836	33,989	64,738	70,861	78,804	97,598	1,13,834	1,33,551
Total Liabilities & Equity	2,63,025	3,12,912	3,55,014	3,83,569	4,07,365	4,55,681	4,91,120	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 Flow

Abridged

Understanding Cash Flow Statement

Union Bank Of India cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	C 2013 Mar 31	2014 Mar 31	C 2015 Mar 31	2016 Mar 31	C 2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	R 2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	2,068	4,713	4,866	5,695	5,186	6,270	6,085	7,371	10,943	20,041	22,124	22,867	24,542	26,486	29,355
Working Capital - Increase/(Decrease)	-10,485	-10,339	-2,643	-11,640	6,617	-13,669	-706	-15,792	-19,675	-1,110	12,663	-18,398	-6,259	-10,458	-66,604
Net CF from Operating Activities	-8,417	-5,626	2,224	-5,945	11,802	-7,399	5,379	-8,422	-8,732	18,931	34,788	4,470	18,283	16,028	-37,249
Capital Expenditures - Net	235	343	363	342	885	286	315	297	377	601	442	2,383	1,306	1,648	3,033
Net CF from Investing Activities	-235	-343	-363	-318	-872	-280	-307	-297	-377	-601	-558	-2,561	-1,394	-1,891	-7,075
Dividends Paid - Cash - Total	419	523	770	307	464	161	-	-	-	-	-	1,299	2,050	2,748	3,626
Stock - Issuance/(Retirement) - Net	650	1,113	499	0	1,079	-	7,047	4,806	11,756	-	1,442	-	7,971	133	-
Debt - LT & ST - Issuance/(Retirement) - Total	4,594	5,887	5,519	5,852	-4,531	10,589	4,455	-2,405	9,438	-17,264	-677	-7,770	-15,762	516	12,805
Net Cash Flow from Financing Activities	4,223	6,477	5,249	5,545	-3,917	10,969	11,502	2,401	21,194	-17,264	765	-9,068	-9,842	-2,099	9,179
Free Cash Flow to Equity	-4,059	-82	7,380	-435	6,386	2,904	9,519	-11,124	330	1,066	33,669	-5,682	1,215	14,896	-27,476
Free Operating CF net dividend	-9,118	-6,499	1,074	-6,597	9,750	-7,881	5,048	-8,737	-9,125	18,212	34,038	106	14,583	11,611	-44,099
Free Operating CF	-8,698	-5,975	1,843	-6,291	10,215	-7,720	5,048	-8,737	-9,125	18,212	34,038	1,404	16,634	14,359	-40,473

Business Segment Analysis

FY End:

Mar 26

Union Bank Of India business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Other Retail banking operations (36.3%)₹ 46,591.57 CrCorporate/ Wholesale Banking (34.6%)₹ 44,378.58 CrTreasury Operations (23.4%)₹ 30,107.49 CrUnallocated (3.6%)₹ 4,594.38 CrNon Digital Banking Operations (1.4%)₹ 1,745.07 CrDigital Banking Operations (0.8%)₹ 982.42 Cr

Assets

Corporate/ Wholesale Banking (35.8%)₹ 5,68,606.22 CrOther Retail banking operations (31.6%)₹ 5,02,243.14 CrTreasury Operations (29.3%)₹ 4,64,486.77 CrUnallocated (3.0%)₹ 46,978.77 CrDigital Banking Operations (0.3%)₹ 5,187.80 Cr

Regional Segment Analysis

Union Bank Of India geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Union Bank Of India

Historical Segment Analysis

Track how Union Bank Of India segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Business

Regional

Business

We don't have enough data to show the Capex for Union Bank Of India.

Frequently Asked Questions

What is the revenue of Union Bank Of India?

The latest trailing twelve month revenue of Union Bank Of India is ₹ 58,922.20 Cr, reflecting a 1-year growth of -0.54% and a 3-year CAGR of 6.31%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Union Bank Of India?

The latest trailing twelve month net profit (PAT) of Union Bank Of India is ₹ 19,430.20 Cr, with a 3-year earnings CAGR of 26.90%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Union Bank Of India?

The trailing twelve month EBITDA of Union Bank Of India is approximately ₹ 24,284.49 Cr (based on an operating margin of 41.21%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Union Bank Of India?

The trailing twelve month Earnings Per Share (EPS) of Union Bank Of India is 25.45. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Union Bank Of India?

The debt-to-equity ratio of Union Bank Of India stands at -. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Union Bank Of India?

The estimated book value per share of Union Bank Of India is 160.53 (derived from a P/B ratio of 1.02 and market price of ₹ 163.09), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Union Bank Of India?

The trailing twelve month operating cash flow of Union Bank Of India is ₹ -37,248.90 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Union Bank Of India report consolidated or standalone financials?

Union Bank Of India reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.