Union Bank of India Q4 FY25 results deck summary

Results deck of 8 May 2025, summarised by AI from the filing.

Q4 FY25 net profit ₹4,985 cr, up 50.58% YoY; FY25 advances growth 8.62% against guidance of 11–13%

Key takeaways

1. Net profit Q4 FY25 net profit ₹4,985 cr, up 50.58% YoY from ₹3,311 cr
2. Guidance vs actuals FY25 advances growth 8.62% against guidance of 11–13%; deposits 7.22% against 9–11%
3. Credit growth RAM advances grew 10.17% YoY to ₹5,31,679 cr as on Mar-25
4. Capital CRAR 18.02% and CET-I 14.98% as on Mar-25

Original filing on BSE

Union Bank of India Q1 FY27 results

As filed: Revenue ₹27,427 cr, EBITDA ₹1,834 cr, PAT ₹5,368 cr, EBITDA margin 6.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹26,676 cr, EBITDA ₹927 cr, PAT ₹5,334 cr, EBITDA margin 3.5%. Not scored. Bank result format: not scored yet. Share price after the results: −17.2% in 29 days (Nifty 500: −1.5%).
• Q3 FY26: Revenue ₹26,819 cr, EBITDA ₹1,455 cr, PAT ₹5,029 cr, EBITDA margin 5.4%. Not scored. Bank result format: not scored yet. Share price after the results: +14.9% in 30 days (Nifty 500: −0.7%).
• Q2 FY26: Revenue ₹26,665 cr, EBITDA −₹97.3 cr, PAT ₹4,281 cr, EBITDA margin -0.4%. Not scored. Bank result format: not scored yet. Share price after the results: +4.9% in 29 days (Nifty 500: −0.1%).
• Q1 FY26: Revenue ₹27,475 cr, EBITDA ₹400 cr, PAT ₹4,137 cr, EBITDA margin 1.5%. Not scored. Bank result format: not scored yet. Share price after the results: −7.3% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹27,869 cr, EBITDA −₹48.5 cr, PAT ₹5,001 cr, EBITDA margin -0.2%. Not scored. Bank result format: not scored yet. Share price after the results: +32.6% in 29 days (Nifty 500: +6.1%).
• Q3 FY25: Revenue ₹27,135 cr, EBITDA ₹1,275 cr, PAT ₹4,597 cr, EBITDA margin 4.7%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹26,887 cr, EBITDA ₹480 cr, PAT ₹4,722 cr, EBITDA margin 1.8%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Union Bank of India earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (15 Jul 2026), Results deck (15 Jul 2026), Results press release (15 Jul 2026)
• Q4 FY26: Earnings call (23 Apr 2026), Results deck (23 Apr 2026), Results press release (23 Apr 2026)
• Q3 FY26: Earnings call (14 Jan 2026), Results deck (14 Jan 2026), Results press release (14 Jan 2026)
• Q2 FY26: Earnings call (30 Oct 2025), Results deck (30 Oct 2025), Results press release (30 Oct 2025)
• Q1 FY26: Results deck (19 Jul 2025), Results press release (19 Jul 2025)
• Q4 FY25: Results deck (8 May 2025), Results press release (8 May 2025)
• Other events: Strategy deck (21 Aug 2026)