🚨 UNION BANK Q4 FY26: Profit Up, NPAs Down 📊🔥
Union Bank of India delivers a stable FY26 performance with improving asset quality and steady growth 👇
📌 Key Highlights (FY26)
💰 Net Profit: ₹18,697 Cr (+3.9% YoY)
💵 Interest Income: ₹1,05,992 Cr
📈 Total Business: ₹23.85 Lakh Cr (+5.78% YoY)
🏦 Deposits: ₹13.06 Lakh Cr (+2.72% YoY)
📊 Advances Growth: +9.74% YoY
🔥 Segment Growth (Strong Engine)
🛍️ Retail: +16.75% YoY
🏭 MSME: +18.75% YoY
🌾 RAM Overall: +12.56% YoY
👉 Retail + MSME driving loan growth
✅ Asset Quality Improves
📉 Gross NPA: 2.82% (↓ 78 bps YoY)
📉 Net NPA: 0.48% (↓ 15 bps YoY)
🛡️ PCR: ~95%
👉 Clear sign of strong balance sheet cleanup
🧠 Margins & Ratios
📉 NIM: 2.70% (slight pressure)
📊 RoA: 1.25%
📊 RoE: 15.86%
💪 CRAR: 18.10% (well capitalized)
🎁 Bonus for Investors
💸 Dividend: ₹5/share (50% payout)
🔍 Investor Takeaway
✔ Stable growth with improving asset quality
✔ Strong capital position
⚠️ Margin pressure remains a key monitorable
👉 Overall: Consistent PSU banking story with gradual improvement
💬 Do you think PSU banks like Union Bank can outperform private banks in FY27?
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⚠️ Disclaimer: This post is for educational purposes only. Not investment advice.