UNIONBANK

What Union Bank of India promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 20 tracked 4 delivered 7 missed 9 open
  • Net Interest Margin (NIM) delivered said Q4 FY26 Promised: Maintain 2.64% or better Q1 FY27: NIM for Q1 FY27 was 2.80%, significantly exceeding the target.
  • Credit Cost went quiet said Q4 FY26 Promised: Around 1% for FY27 Q1 FY27: No specific credit cost figure for Q1 FY27 was provided to verify the promise, though NPA provisions increased substantially.
  • Recovery from Written-off Accounts at risk said Q4 FY26 Promised: Sustain the recovery number next year (similar to FY26's ~₹4,000 cr) Q1 FY27: Management acknowledged that Q1 recovery was lower than the Q4 run-rate due to a one-off bulk recovery in the previous quarter, putting the full-year target at risk.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 20 tracked commitments for Union Bank of India — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens