UNION Bank Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 26,676 Crs., 2.53% Negative growth YoY, Net Interest Income is Rs. 9,671 Crs., flat growth YoY, Total Income is Rs. 32,675 Crs., 2.73% Negative growth YoY, Pre-Provisioning Operating Profit is Rs. 7,976 Crs., 3.11% growth YoY, PBT is Rs. 6,926 Crs., 12.16% growth YoY, Net profit is Rs. 5,334 Crs., 6.65% growth YoY. For Q4FY26 Gross NPA 2.82% vs 3.60% in Q4FY25, Net NPA 0.48% vs 0.63% in Q4FY25. Return on Assets is 1.36% improved by 1 BPS YoY, However, Return on Equity is 18.04% declined by 103 BPS YoY, Net Interest Margin is 2.64% declined by 23 BPS YoY. Total Global Advances is Rs. 10,78,611 Cr. Improved by 9.74% YoY, Retail advances grew by 16.75% YoY to INR 2,53,083 crore; On QoQ basis Interest Earned has achieved flat to negative growth, Net Interest Income has grown by 2.34%, Total Income has growth of 2.1%, Pre-Provisioning Operating Profit has grown by 14.6%, PBT grown by 4.34%, PAT is grown by 6.07%. Total Branches 8,697, Total ATMs 8,656 as on 31st March, 2026.