UNION BANK OF INDIA
Quarterly Results Analysis [Dec2024]
UNION BANK OF INDIA Quarterly Results
| Consolidated | Dec2024 UnAudited |
Sep2024 UnAudited |
Jun2024 UnAudited |
Mar2024 UnAudited |
Dec2023 UnAudited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹27,135 Cr | ₹26,887 Cr | ₹26,527 Cr | ₹26,510 Cr | ₹25,521 Cr | ₹24,732 Cr | ₹23,613 Cr | ₹22,163 Cr |
| Other Income | ₹4,614 Cr | ₹5,926 Cr | ₹4,799 Cr | ₹5,102 Cr | ₹4,281 Cr | ₹4,221 Cr | ₹4,209 Cr | ₹5,601 Cr |
| Interest Expended | ₹17,765 Cr | ₹17,720 Cr | ₹17,004 Cr | ₹16,966 Cr | ₹16,236 Cr | ₹15,498 Cr | ₹14,664 Cr | ₹13,810 Cr |
| Expenses | ₹6,474 Cr | ₹6,947 Cr | ₹6,510 Cr | ₹8,112 Cr | ₹6,232 Cr | ₹6,189 Cr | ₹5,973 Cr | ₹7,085 Cr |
| Operating Income | ₹7,511 Cr | ₹8,145 Cr | ₹7,811 Cr | ₹6,534 Cr | ₹7,335 Cr | ₹7,265 Cr | ₹7,185 Cr | ₹6,869 Cr |
| Provisions and contingencies | ₹1,622 Cr | ₹1,739 Cr | ₹2,857 Cr | ₹1,253 Cr | ₹1,781 Cr | ₹1,773 Cr | ₹2,005 Cr | ₹2,957 Cr |
| Profit Before Tax | ₹5,889 Cr | ₹6,406 Cr | ₹4,954 Cr | ₹5,281 Cr | ₹5,554 Cr | ₹5,492 Cr | ₹5,180 Cr | ₹3,912 Cr |
| Profit After Tax | ₹4,597 Cr | ₹4,722 Cr | ₹3,601 Cr | ₹3,310 Cr | ₹3,610 Cr | ₹3,548 Cr | ₹3,240 Cr | ₹2,799 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹6.06 | ₹6.22 | ₹4.77 | ₹4.36 | ₹4.89 | ₹4.82 | ₹4.79 | ₹4.11 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| UNION BANK OF INDIA | 7.9% | 13.7% | -18.6% |
| STATE BANK OF INDIA | -3.2% | -0.8% | 11.4% |
| PUNJAB NATIONAL BANK | 0.9% | 0.5% | -19.5% |
| BANK OF BARODA | 4.1% | -4% | -10.3% |
| INDIAN OVERSEAS BANK | 3.2% | 4.9% | -36.2% |
| CANARA BANK | 3.8% | 1.3% | -14.3% |
| INDIAN BANK | 4.4% | 10.4% | 0.9% |
| BANK OF INDIA | 2.1% | 12.5% | -21.7% |
| UCO BANK | 0.9% | 2.6% | -37.9% |
UNION BANK OF INDIA Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 2.22 % |
| Y-o-Y | 0.91 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Dec2024 | ₹9,370 Cr | 2.22 | |
| Sep2024 | ₹9,167 Cr | -3.74 | |
| Jun2024 | ₹9,523 Cr | -0.22 | |
| Mar2024 | ₹9,544 Cr | 2.79 | |
| Dec2023 | ₹9,285 Cr | 0.56 | |
| Sep2023 | ₹9,233 Cr | 3.18 | |
| Jun2023 | ₹8,949 Cr | 7.14 | |
| Mar2023 | ₹8,353 Cr | - | |
UNION BANK OF INDIA Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -7.79 % |
| Y-o-Y | 2.40 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Dec2024 | ₹7,511 Cr | -7.79 | |
| Sep2024 | ₹8,145 Cr | 4.27 | |
| Jun2024 | ₹7,811 Cr | 19.55 | |
| Mar2024 | ₹6,534 Cr | -10.92 | |
| Dec2023 | ₹7,335 Cr | 0.96 | |
| Sep2023 | ₹7,265 Cr | 1.11 | |
| Jun2023 | ₹7,185 Cr | 4.60 | |
| Mar2023 | ₹6,869 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -9.79 % |
| Y-o-Y | 1.47 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2024 | 80.15% | -9.79 | |
| Sep2024 | 88.85% | 8.31 | |
| Jun2024 | 82.03% | 19.82 | |
| Mar2024 | 68.46% | -13.33 | |
| Dec2023 | 78.99% | 0.39 | |
| Sep2023 | 78.68% | -2.01 | |
| Jun2023 | 80.29% | -2.36 | |
| Mar2023 | 82.23% | - | |
UNION BANK OF INDIA Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | -2.64 % |
| Y-o-Y | 27.33 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Dec2024 | ₹4,597 Cr | -2.64 | |
| Sep2024 | ₹4,722 Cr | 31.13 | |
| Jun2024 | ₹3,601 Cr | 8.79 | |
| Mar2024 | ₹3,310 Cr | -8.32 | |
| Dec2023 | ₹3,610 Cr | 1.75 | |
| Sep2023 | ₹3,548 Cr | 9.50 | |
| Jun2023 | ₹3,240 Cr | 15.79 | |
| Mar2023 | ₹2,799 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -3.53 % |
| Y-o-Y | 19.72 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2024 | 16.94 % | -3.53 | |
| Sep2024 | 17.56 % | 29.40 | |
| Jun2024 | 13.57 % | 8.65 | |
| Mar2024 | 12.49 % | -11.73 | |
| Dec2023 | 14.15 % | -1.39 | |
| Sep2023 | 14.35 % | 4.59 | |
| Jun2023 | 13.72 % | 8.63 | |
| Mar2023 | 12.63 % | - | |
UNION BANK OF INDIA Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -2.57 % |
| Y-o-Y | 23.93 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2024 | ₹6.06 | -2.57 | |
| Sep2024 | ₹6.22 | 30.40 | |
| Jun2024 | ₹4.77 | 9.40 | |
| Mar2024 | ₹4.36 | -10.84 | |
| Dec2023 | ₹4.89 | 1.45 | |
| Sep2023 | ₹4.82 | 0.63 | |
| Jun2023 | ₹4.79 | 16.55 | |
| Mar2023 | ₹4.11 | - | |
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