Union Bank of India's Q4FY25 Quarter Results
- 09 May 2025
Result Summary
- Union Bank of India reported a 0.4% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 13.9%.
- Its expenses for the quarter were up by 3.5% QoQ and 20.0% YoY.
- The net profit decreased 28.0% QoQ and increased 18.4% YoY.
- The earnings per share (EPS) of Union Bank of India stood at 4.4 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 31611.58 | 31749.18 | 27763.51 | -0.4% | 13.9% |
Total Expenses | 25077.73 | 24238.58 | 20894.73 | 3.5% | 20.0% |
Provisions & contingencies | 1252.65 | 1621.86 | 2956.50 | -22.8% | -57.6% |
Profit Before Tax | 5281.20 | 5888.74 | 3912.28 | -10.3% | 35.0% |
Tax | 1971.35 | 1291.57 | 1113.69 | 52.6% | 77.0% |
Profit After Tax | 3328.27 | 4623.03 | 2811.78 | -28.0% | 18.4% |
Earnings Per Share | 4.40 | 6.10 | 4.10 | -27.9% | 7.3% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Union Bank of India is a prominent financial institution in India, primarily engaged in providing banking and financial services. It operates in the banking industry, offering a wide range of services including retail banking, corporate banking, and treasury operations. The bank's offerings typically include savings and current accounts, loans, credit cards, and investment services. Union Bank of India has a significant presence across the country with a large network of branches and ATMs, catering to both individual and corporate clients. As of the latest update, there are no specific major developments regarding Union Bank of India available for this analysis.
Revenue
In the fourth quarter of the fiscal year 2025 (Q4FY25), Union Bank of India reported a total income of ₹31,611.58 crores. This represents a slight decrease of 0.4% from the previous quarter (Q3FY25), where total income was ₹31,749.18 crores. However, on a year-over-year basis, the total income increased by 13.9% compared to the fourth quarter of the fiscal year 2024 (Q4FY24), which stood at ₹27,763.51 crores. The quarter-over-quarter decline indicates a minor fluctuation, while the year-over-year growth suggests an overall increase in revenue generation over the year.
Profitability
Union Bank of India's profitability metrics for Q4FY25 show a profit before tax of ₹5,281.20 crores, which is a 10.3% decrease from the previous quarter's figure of ₹5,888.74 crores. Despite this quarter-over-quarter decline, there is a significant year-over-year increase of 35.0% from the Q4FY24 profit before tax of ₹3,912.28 crores. The tax expenses for Q4FY25 were ₹1,971.35 crores, up by 52.6% from the previous quarter and 77.0% from the same quarter last year. Consequently, the profit after tax for Q4FY25 was ₹3,328.27 crores, a decrease of 28.0% from Q3FY25, but an increase of 18.4% from Q4FY24. The earnings per share (EPS) for Q4FY25 was ₹4.40, down from ₹6.10 in Q3FY25, but up from ₹4.10 in Q4FY24, reflecting a year-over-year growth of 7.3%.
Operating Metrics
The total expenses for Union Bank of India in Q4FY25 were reported at ₹25,077.73 crores, marking an increase of 3.5% from Q3FY25 and a more significant rise of 20.0% from Q4FY24. Provisions and contingencies, an important operational aspect, stood at ₹1,252.65 crores in Q4FY25, showing a significant reduction of 22.8% from the previous quarter and a decrease of 57.6% from the same quarter last year. This reduction in provisions and contingencies reflects a decrease in the allocation for potential future liabilities. The financial data highlights the bank's operational dynamics, with notable changes in provisions and expenses influencing the overall financial results for the quarter.
