Union Bank of India Q1 FY27 earnings call summary

Earnings call of 15 Jul 2026, summarised by AI from the filing.

Union Bank of India reports highest ever operating profit of ₹8,003 cr in Q1 FY27, with NIM improving to 2.80%.

Key takeaways

1. Operating profit Highest ever operating profit of ₹8,003 cr in Q1 FY27.
2. Credit growth Management aims to grow with industry plus 1% going forward.
3. CASA and RTD Average CASA ₹24,000 cr and RTD ₹17,000 cr in Q1 FY27.
4. MSME stress Stress in MSME is there and going to be there.

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)