UNIONBANK Union Bank of India Q4 FY26 results (Jan–Mar 2026) and concall
Union Bank reported a strong Q4 FY26, driven by robust credit growth, significant improvement in asset quality, and enhanced capital ratios. The bank's net profit for the fiscal year reached ₹18,697 crores. Despite a slight compression in NIM due to rate cuts, management emphasized a strategic shift towards higher-yielding assets and a stronger CASA base. Concerns included the pace of deposit growth relative to advances and an increase in fresh slippages, though management expressed confidence in managing these.
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What they filed
Q4 FY26: revenue down 4.3%, net profit up 9.8% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 26,720 | 27,869 | 27,099 | 26,205 | 26,819 +0% | 26,676 −4% |
| Net profit | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 +10% | 5,504 +10% |
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.
