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Net interest income (NII) slipped 3.18% to Rs 9,113 crore in the June 2025 quarter, compared to Rs 9,412 crore in the June 2024 quarter. For Q1 FY26, the net interest margin (NIM) was 2.76%, down from 3.05% in the corresponding period last year.
Profit before tax (PBT) grew 4.96% YoY to Rs 5,244.15 crore in the quarter ended 30 June 2025.
The bank's operating profit before provisions and contingencies fell 11.26% to Rs 6,908.66 crore in the June 2025 quarter, compared to Rs 7,785.31 crore in the same quarter the previous year.
On the asset quality front, gross non-performing assets (GNPA) stood at Rs 34,311.31 crore as of 30 June 2025, down 17.16% from Rs 41,422.94 crore as of 30 June 2024. The gross NPA ratio stood at 3.52% as of 30 June 2025, compared to 4.54% as of 30 June 2024. The net NPA ratio stood at 0.62% as of 30 June 2025, down from 0.90% as of 30 June 2024.
The bank’s capital adequacy ratio as of 30 June 2025, as per Reserve Bank of India (RBI) guidelines under Basel III norms, was 18.84%, with a Tier-1 capital adequacy of 15.86%.
Total business of the bank increased by 5.01% YoY, with gross advances rising 6.83% YoY and total deposits growing 3.63% YoY. The bank had total business of Rs 22,14,422 crore as of 30 June 2025.
Global deposits have increased by 3.63% YoY. The bank now has a total deposit base of Rs 12,39,933 crore as of 30 June 2025. The RAM segment of the bank increased by 10.34% YoY, with in which 25.63% growth in retail and 17.65% growth in MSME advances were achieved on a YoY basis. RAM advances as a percentage of domestic advances stood at 58.11%.
The CRAR improved from 17.02% as of 30 June 2024 to 18.30% as of 30 June 2025. The CET-1 ratio rose from 13.81% to 15.30% over the same period.
The bank’s return on assets (ROA) and return on equity (ROE) stood at 1.11% and 15.15%, respectively, during Q1 FY26.
Union Bank of India is one of the leading public sector banks in the country. The Government of India holds 74.76% of the bank's total paid-up capital. The bank has 8,649 branches, including foreign branches, over 8,900 ATMs, more than 73,500 employees, and over 23,000 BC points.