Conference Call with Union Bank of India Management and Analysts on Q3FY26 Performance and Outlook. Listen to the full earnings transcript.
Union Bank of India announced Q3FY26 results Financial Performance: Net Profit of the Bank stood at Rs 5,017 crore during Q3FY26. Interest income of Bank stood at Rs 26,443 crore during Q3FY26. Business Growth: Total Business of the Bank increased by 5.04% YoY, wherein Gross Advances increased by 7.13% YoY & Total Deposit grew by 3.36% YoY. Bank has a total Business of Rs 22,39,740 crore as on December 31, 2025. Deposit Growth: Global deposits have increased by 3.36% YoY. Bank now has total deposits base of Rs 12,22,856 crore as on December 31, 2025. Growth in Retail, Agri and MSME (RAM) segments: RAM Segment of the Bank increased by 11.50% YoY, with in which 21.67% growth in Retail and 19.75% growth in MSME advances is achieved on YoY basis. RAM advances as a percent of Domestic Advances stood at 58.84%. Reduction in NPA: Gross NPA (%) reduced by 79 bps on YoY basis to 3.06% and Net NPA (%) reduced by 31 bps on YoY basis to 0.51% as on 31.12.2025. Strong Capital Ratios: CRAR stood at 16.49% as on 31.12.2025. CET-1 ratio improved from 13.59% as on 31.12.2024 to 13.94% as on 31.12.2025. Returns: Bank’s Return on Assets & Return on Equity stands at 1.35% and 17.09% respectively during Q3FY26. Result PDF