- Union Bank of India reported a net income of 46 billion rupees for the third quarter of 2025, marking a 28% increase year-over-year. This surpassed the estimated figure of 39.02 billion rupees.
- Gross non-performing assets (NPAs) improved to 3.85%, down from 4.36% in the previous quarter, and better than the estimate of 3.97%.
- The bank’s provisions stood at 16 billion rupees, which is a 6.4% decline from the last quarter and below the expected 18.23 billion rupees.
- Interest income rose by 6.3% year-over-year to 269.6 billion rupees, slightly below the estimate of 270.71 billion rupees.
- Interest expenses increased by 9.5% to 177.2 billion rupees, closely aligned with the projected 178.39 billion rupees.
- Other income saw a significant 17% year-over-year rise, reaching 44.2 billion rupees.
- Provision for loan losses dramatically decreased by 41% quarter-over-quarter, settling at 14.8 billion rupees.
- Operating profit showed a year-over-year growth of 2.9%, amounting to 74.9 billion rupees, which surpassed the estimated 71.3 billion rupees.
- The bank received positive analyst coverage, with 9 buy ratings, 1 hold, and 1 sell recommendation.
A look at Union Bank Of India Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 5 | |
| Dividend | 5 | |
| Growth | 4 | |
| Resilience | 5 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 4.4 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Union Bank of India Limited, a leading bank in India, is positioned for a promising long-term outlook based on the Smartkarma Smart Scores. With top scores in Value and Dividend, the bank demonstrates strong fundamentals and a commitment to rewarding its investors. Additionally, scoring high on Resilience reflects the bank’s ability to withstand economic challenges effectively. Although slightly lower in Momentum, the overall outlook remains positive for Union Bank of India with its solid foundation and growth potential in the industry.
Union Bank of India Limited offers a comprehensive range of banking services across India, catering to both retail and commercial customers. The company’s diverse portfolio includes investment management, treasury services, NRI services, cash management, and convenient ATM facilities. With an emphasis on customer satisfaction through online tele-banking services, Union Bank is well-positioned to leverage its impressive Smart Scores to drive long-term success and value for its stakeholders.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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