UNION BANK Results Analysis-Q1FY27

Financial performance and key operating metrics (consolidated) Interest Earned for Q1FY27 is Rs. 27,427 Crs., 1.21% growth YoY, Net Interest Income is Rs. 10,221 Crs., 10.58% growth YoY, Total Income is Rs. 32,660 Crs.,2.17% growth YoY, Pre-Provisioning Operating Profit is Rs. 8,040 Crs., 15.92% growth YoY, PBT is Rs. 7,067 Crs., 34.13% growth YoY, Net profit is Rs. 5,368 Crs., 29.77% growth YoY. For Q1FY27 Gross NPA 2.65% vs 3.52% in Q1FY26, Net NPA 0.47% vs 0.62% in Q1FY26. Return on Assets is 1.36% improved by 25 BPS YoY, return on Equity is 17.23% improved by 208 BPS YoY, Net Interest Margin is 2.8% improved by 4 BPS YoY. On QoQ basis Interest Earned has achieved 2.82% growth, Net Interest Income has grown by 5.7%, Total Income has grown flat to negative, Pre-Provisioning Operating Profit has grown flat, PBT grown by 2.04%, PAT is grown flat by 0.64%. Total Advances as on June 30, 2026 stood at ₹ 10.96 Lac crores, growing 12.5% Y-o-Y. Management framed execution around five pillars: efficiency, robustness, quality & sustainable growth, profitability, and customer centricity / ease of doing business—and explicitly claimed the quarter-to-quarter improvement since Dec’25 is “aligning to these five pillars.”