Brickwork Ratings Reaffirms Ratings for Union Bank of India
Reaffirmation of credit ratings typically has a moderate impact as it confirms existing financial stability.
The credit rating agency reaffirmed the ratings, reflecting a stable outlook and strong financials.
* Brickwork Ratings has reaffirmed the ratings of Union Bank of India's Tier II Bonds (under Basel III) of ₹1,000 crore and Additional Tier I Bonds (under Basel III) amounting to ₹1,705 crore. * The rating for Tier II Bonds (under Basel III) of ₹1,000 crore is reaffirmed at BWR AAA/Stable. * The rating for Additional Tier I Bonds (under Basel III) amounting to ₹1,705 crore is reaffirmed at BWR AA+/Stable. * The ratings factor in the bank's strong capital position, supported by healthy internal accruals. * As of June 30, 2025, the bank's CRAR was 18.30%, Tier-1 Ratio was 16.58%, and CET-1 Ratio was 15.30%, all substantially above regulatory requirements. * The ratings also reflect the bank's improving asset quality, with the GNPA ratio improving from 4.76% as of March 31, 2024, to 3.52% as of June 30, 2025. * During FY 2025, the Bank reported the highest profit ever of ₹17,987 crore. * The Stable outlook indicates a low likelihood of a rating change over the medium term. * The Government of India held 74.76% stake in the bank as of June 2025, indicating continued support.
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Union Bank of India filed this with the NSE as a statutory disclosure, categorised under credit ratings. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Union Bank of India. Read the original for the full detail.