Conference Call with Union Bank of India Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.
Union Bank of India announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Total Business: Rs 22,92,644 crore compared to Rs 21,65,726 crore during Q3FY25, change 5.86%. Operating Profit: Rs 7,700 crore compared to Rs 7,492 crore during Q3FY25, change 2.78%. Net Profit: Rs 4,985 crore compared to Rs 4,604 crore during Q3FY25, change 8.28%. FY25 Financial Highlights: Board of Directors have recommended a dividend of Rs 4.75 per equity share (47.5% of face value of Rs.10 per equity share) for the year ended March 31, 2025 subject to requisite approvals. Strong Financial Performance: Net Profit of the Bank increased by 31.79% on YoY basis during FY25. Non- interest income of Bank grew by 23.21% on YoY basis during FY25. Business Growth gaining momentum: Total Business of the Bank increased by 7.82% YoY, wherein Gross Advances increased by 8.62% YoY & Total Deposit grew by 7.22% YoY. Bank has a total Business of Rs.22,92,644 crore as on March 31, 2025. Bank continues to demonstrate a strong Liability franchise: Global deposits have increased by 7.22% YoY. Bank now has total deposits base of Rs.13,09,750 crore as on March 31, 2025. Growth in Retail, Agri and MSME (RAM) segments: RAM Segment of the Bank increased by 10.17% YoY, with in which 22.14% growth in Retail and 12.50% growth in MSME advances is achieved on YoY basis. RAM advances as a percent of Domestic Advances stood at 56.20%. Reduction in NPA: Gross NPA (%) reduced by 116 bps on YoY basis to 3.60% and Net NPA (%) reduced by 40 bps on YoY basis to 0.63% as on 31.03.2025. Strong Capital Ratios: CRAR improved from 16.97% as on 31.03.2024 to 18.02% as on 31.03.2025. CET-1 ratio improved from 13.65% as on 31.03.2024 to 14.98% as on 31.03.2025. Improved Returns: Bank’s Return on Assets improved by 23 bps on YoY basis to 1.26% & Return on Equity improved by 162 bps on YoY basis to 17.20% during FY25. Result PDF