Union Bank of India Q3 FY26 results (Oct–Dec 2025) and concall

Financial Services · Concall AI · Call held 14 Jan 2026

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

Union Bank delivered exceptional Q3 performance with significant profit growth and portfolio optimization. The bank strategically shed INR 40,000 crores of high-cost bulk deposits, contracted treasury by INR 15,000 crores, and eliminated IBPC portfolio of INR 20,000 crores. This repositioning helped defend NIMs despite substantial rate cuts while achieving strong advances growth and maintaining excellent asset quality.

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What they filed

Q3 FY26: revenue up 0.4%, net profit up 9.7% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26
Revenue	26,720	27,869	27,099	26,205	26,819 +0%
Expenses	8,096	9,673	8,844	9,056	7,994
Other income	4,614	6,223	4,869	5,550	5,183
Interest	17,350	18,245	17,855	17,247	17,370
Depreciation	0	0	0	0	0
Profit before tax	5,889	6,175	5,269	5,453	6,638 +13%
Tax rate	22%	19%	21%	21%	24%
Net profit	4,623	5,011	4,428	4,426	5,073 +10%
EPS	6.06	6.56	5.80	5.80	6.65

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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