Union Bank of India Q1 FY27 results (Apr–Jun 2026) and concall

Financial Services · Concall AI · Call held 15 Jul 2026

Company page: Union Bank of India share price, financials & guidance record

Union Bank of India reported its highest ever profit in Q1 FY27, driven by robust NIM of 2.80% and a strong ROA of 1.36%. The bank maintained a healthy capital adequacy of 18.46% and significantly reduced its cost-to-income ratio by 500 bps. While acknowledging the gap in deposit growth and the remaining INR6,000 crores for ECL provisioning, management outlined strategies for sustainable credit growth and continued focus on asset quality.

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What they filed

Q1 FY27: revenue up 1.2%, net profit up 27.4% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
Revenue	26,720	27,869	27,099	26,205	26,819 +0%	26,676 −4%	27,427 +1%
Expenses	8,096	9,673	8,844	9,056	7,994	8,744	8,388
Other income	4,614	6,223	4,869	5,550	5,183	5,999	5,233
Interest	17,350	18,245	17,855	17,247	17,370	17,005	17,206
Depreciation	0	0	0	0	0	0	0
Profit before tax	5,889	6,175	5,269	5,453	6,638 +13%	6,926 +12%	7,067 +34%
Tax rate	22%	19%	21%	21%	24%	23%	24%
Net profit	4,623	5,011	4,428	4,426	5,073 +10%	5,504 +10%	5,642 +27%
EPS	6.06	6.56	5.80	5.80	6.65	7.21	7.39

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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