Union Bank of India Q2 FY2026 results: revenue ₹26,665 crore, down 0.8% on the year
Union Bank of India (UNIONBANK) reported consolidated interest earned of ₹26,665 crore for Q2 FY2026, the quarter ended 30 September 2025, down 0.8% on the same quarter a year earlier. Profit after tax was ₹4,281 crore, down 9.9% on the year, and earnings per share ₹5.80. The figures are the company's own, from the un-audited results it filed with NSE on 30 October 2025.
The quarter, against the one before and a year earlier
| Line | Q2 FY2026 | Q1 FY2026 | Q2 FY2025 | Change on the year |
|---|---|---|---|---|
| Interest earned | 26,665 | 27,475 | 26,887 | -0.8% |
| Interest expended | 17,707 | 18,231 | 17,720 | -0.1% |
| Other income | 5,550 | 4,869 | 5,926 | -6.3% |
| Total income | 32,215 | 32,344 | 32,812 | -1.8% |
| Provisions other than tax | 1,392 | 1,667 | 1,739 | -19.9% |
| Profit before tax | 5,453 | 5,269 | 6,406 | -14.9% |
| Profit after tax | 4,281 | 4,137 | 4,751 | -9.9% |
| Gross NPA % | 0.0% | 0.0% | n/a | |
| Net NPA % | 0.0% | 0.0% | n/a | |
| Capital adequacy ratio % | n/a | n/a | 1.3% | |
| EPS, basic | ₹5.80 | ₹5.80 | ₹6.22 | -6.8% |
₹ crore except per share.
Segments, Q2 FY2026
| Segment | Revenue ₹ crore | Share of segment revenue | Result ₹ crore | Result over revenue |
|---|---|---|---|---|
| Treasury Operation | 8,089 | 25.1% | 1,961 | 24.2% |
| Retail Banking Operation | 11,423 | 35.5% | 1,455 | 12.7% |
| Corporate/Wholesale Banking Operations | 11,190 | 34.7% | 1,265 | 11.3% |
| Other Banking Operations | 412 | 1.3% | 204 | 49.5% |
| Unallocated | 1,101 | 3.4% | 568 | 51.5% |
Segment revenue and segment result as the company filed them, before inter-segment eliminations; share and result over revenue are arithmetic on those.
Balance sheet at 30 September 2025
| Q2 FY2026 | |
|---|---|
| Capital | 7,738 |
| Reserves and surplus | 1,18,157 |
| Deposits | 12,37,050 |
| Borrowings | 69,197 |
| Cash and balances with banks | 1,13,550 |
| Investments | 3,57,747 |
| Advances | 9,51,796 |
| Total assets | 14,90,323 |
From the statement of assets and liabilities in this filing. Lines as the bank files them under RBI's format.
Cash flow, 1 April 2025 to 30 September 2025
| Q2 FY2026 | |
|---|---|
| Cash from operating activities | -13,673 |
| Cash from investing activities | -4,611 |
| Borrowings raised | 5,204 |
| Borrowings repaid | 1,000 |
| Dividends paid | 3,626 |
| Interest paid | 428 |
| Cash from financing activities | 150 |
| Net change in cash | -18,134 |
From the cash flow statement in this filing, for the fiscal year to this date. Free cash flow is cash from operations less the purchase of fixed assets, arithmetic on the two filed lines.
Quarterly results, the last 12 quarters
| Q1 FY2024 | Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 27,135 | 27,475 | 26,665 | 26,819 | 26,676 | 27,427 |
| Interest expended | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,765 | 18,231 | 17,707 | 17,370 | 17,005 | 17,206 |
| Other income | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 4,869 | 5,550 | 5,183 | 5,999 | 5,233 |
| Operating expenses | 5,973 | 6,189 | 6,232 | 8,112 | 6,510 | 6,947 | 6,474 | 7,177 | 7,663 | 7,672 | 7,693 | 7,414 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6,936 | 6,845 | 6,960 | 7,976 | 8,040 |
| Provisions | 2,005 | 1,773 | 1,781 | 1,253 | 2,857 | 1,739 | 1,622 | 1,667 | 1,392 | 322 | 1,050 | 973 |
| Profit before tax | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 5,269 | 5,453 | 6,638 | 6,926 | 7,067 |
| Tax | 1,940 | 1,944 | 1,944 | 1,971 | 1,354 | 1,684 | 1,292 | 1,132 | 1,171 | 1,609 | 1,592 | 1,699 |
| Net profit | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 4,137 | 4,281 | 5,029 | 5,334 | 5,368 |
| EPS in ₹ | ₹4.79 | ₹5.14 | ₹4.89 | ₹4.44 | ₹4.77 | ₹6.22 | ₹6.06 | ₹5.80 | ₹5.80 | ₹6.65 | ₹7.21 | ₹7.39 |
| Gross NPA % | n/a | n/a | n/a | 1.03 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net NPA % | n/a | n/a | n/a | 4.76 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Un-audited consolidated results for the quarter ended 30 September 2025, filed with NSE on 30 October 2025: the result statement. All of Union Bank of India's results: NSE company page.
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