Union Bank of India Reports Strong Q2FY26 Results with 3.25% Net Profit Growth, Reduced NPAs
Union Bank of India reported a net profit of ₹ 4,249 crore for Q2FY26, a 3.25% QoQ increase. The bank achieved significant NPA reduction, strong business growth, and robust capital ratios, alongside progress in financial inclusion and green initiatives.
Quarterly financial results are a key indicator of a bank's health and future prospects. The positive performance in profit, asset quality, and growth metrics is highly impactful for investor confidence and stock valuation.
The bank reported an increase in net profit, significant reduction in both gross and net NPAs, healthy business and deposit growth, and improved capital ratios, all indicating strong financial performance and operational efficiency.
* Union Bank of India's Board approved the unaudited reviewed financial results for the quarter/half year ended September 30, 2025. * The bank reported a net profit of ₹ 4,249 crore during Q2FY26, marking a 3.25% quarter-on-quarter increase. * Interest income for Q2FY26 stood at ₹ 26,650 crore. * Total business grew by 3.24% year-on-year to ₹ 22,09,828 crore as of September 30, 2025. * Global deposits increased by 1.90% year-on-year to ₹ 12,34,621 crore. * The Retail, Agriculture, and MSME (RAM) segment grew by 8.14% year-on-year, with retail advances increasing by 23.98% and MSME advances by 14.88% year-on-year. * Gross Non-Performing Assets (NPA) reduced by 107 basis points year-on-year to 3.29%, while Net NPA decreased by 43 basis points year-on-year to 0.55% as of September 30, 2025. * Capital Ratios remained strong, with CRAR at 17.07% and CET-1 ratio improving to 14.37% as of September 30, 2025, from 13.88% a year ago. * Return on Assets (RoA) was 1.16% and Return on Equity (RoE) was 15.08% during Q2FY26. * Under financial inclusion schemes for the quarter ended September 30, 2025: * 5.12 lakh new enrollments for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). * 17.86 lakh new enrollments for Pradhan Mantri Suraksha Bima Yojana (PMSBY). * 3.33 crore accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) with a balance of ₹ 13,864 crore. * 2.70 lakh new enrollments for Atal Pension Yojana (APY). * The bank sanctioned 4,086 applications for ₹ 724 crore under the Union Nari Shakti Scheme for Women Entrepreneurs during Q2FY26. * Credit facilities towards green initiatives include ₹ 32,520 crore sanctioned for the Renewable Energy Sector and ₹ 1,318 crore for Union Green Miles as of September 30, 2025.
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