Nifty
Sensex
:
:
23249.50
76759.81
86.40 (0.37%)
226.85 (0.30%)

Bank - Public

Rating :
N/A

BSE: 532477 | NSE: UNIONBANK

111.05
30-Jan-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  112.55
  •  113.72
  •  110.81
  •  112.54
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  7962048
  •  8918.00
  •  172.50
  •  100.81

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 84,771.19
  • 5.19
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 58,843.91
  • 3.24%
  • 0.80

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.76%
  • 0.28%
  • 6.22%
  • FII
  • DII
  • Others
  • 6.46%
  • 11.54%
  • 0.74%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 22.88
  • -
  • 38.07

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.65
  • 0.80

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.80
  • 6.04
  • 6.42

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.59
  • 0.65
  • 0.80

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.53
  • 2.83
  • 2.37

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Interest Earned
27,134.77
25,520.92
6.32%
26,886.58
24,731.59
8.71%
26,526.92
23,613.18
12.34%
26,509.87
22,163.00
19.61%
Interest Exp.
17,764.59
16,235.51
9.42%
17,719.94
15,498.18
14.34%
17,003.97
14,664.19
15.96%
16,965.82
13,810.05
22.85%
Net Interest Income
9,370.18
9,285.41
0.91%
9,166.64
9,233.41
-0.72%
9,522.95
8,948.99
6.41%
9,544.05
8,352.95
14.26%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
4,614.41
4,281.06
7.79%
5,925.54
4,220.91
40.39%
4,798.55
4,209.11
14.00%
5,101.71
5,600.51
-8.91%
Total Income
31,749.18
29,801.98
6.53%
32,812.12
28,952.50
13.33%
31,325.47
27,822.29
12.59%
31,611.58
27,763.51
13.86%
Operating Exp.
6,473.99
6,231.58
3.89%
6,947.26
6,189.28
12.25%
6,510.25
5,973.06
8.99%
8,111.91
7,084.68
14.50%
Operating Profit
7,510.60
7,334.89
2.40%
8,144.92
7,265.04
12.11%
7,811.25
7,185.04
8.72%
6,533.85
6,868.78
-4.88%
Provision
1,621.86
1,780.56
-8.91%
1,739.03
1,772.77
-1.90%
2,856.76
2,004.62
42.51%
1,252.65
2,956.50
-57.63%
PBT
5,888.74
5,554.33
6.02%
6,405.89
5,492.27
16.63%
4,954.49
5,180.42
-4.36%
5,281.20
3,912.28
34.99%
PBTM
21.70
21.76
-0.28%
23.83
22.21
7.29%
18.68
21.94
-14.86%
19.92
17.65
12.86%
TAX
1,291.57
1,943.93
-33.56%
1,684.06
1,944.02
-13.37%
1,353.54
1,939.98
-30.23%
1,971.35
1,113.69
77.01%
PAT
4,597.17
3,610.40
27.33%
4,721.83
3,548.25
33.07%
3,600.95
3,240.44
11.13%
3,309.85
2,798.59
18.27%
PATM
16.94%
14.15%
17.56%
14.35%
13.57%
13.72%
12.49%
12.63%
EPS
6.02
4.73
27.27%
6.19
4.65
33.12%
4.72
4.24
11.32%
4.34
3.67
18.26%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
37,603.82
37,011.87
33,130.34
28,051.19
25,199.06
11,642.41
10,417.58
9,480.67
9,040.67
8,421.63
8,524.73
Interest Earned
1,07,058.14
1,00,375.57
81,163.18
68,229.66
69,311.46
37,479.22
34,313.67
32,951.57
32,816.98
32,315.67
32,164.28
Interest Expended
69,454.32
63,363.70
48,032.84
40,178.47
44,112.40
25,836.81
23,896.09
23,470.90
23,776.31
23,894.04
23,639.55
Int. income Growth
4.98%
11.72%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
7.35%
-1.21%
 
Other Income
20,440.21
17,812.79
15,915.35
13,524.41
14,306.72
5,789.27
5,041.71
5,462.08
5,429.99
3,934.44
3,957.12
Total Income
1,27,498.35
54,824.66
49,045.69
41,575.60
39,505.78
17,431.68
15,459.29
14,942.75
14,470.66
12,356.07
12,481.85
Total Expenditure
28,043.41
32,420.50
36,154.58
32,264.45
36,270.45
21,165.70
19,018.62
21,181.09
13,871.08
10,349.12
9,497.53
Employee Cost
-
14,593.23
12,524.00
10,263.67
9,491.02
3,463.85
3,237.23
3,232.17
3,509.40
3,768.05
3,844.63
% Of Sales
-
14.54%
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
11.66%
11.95%
Opt. & Establishment Exp.
-
12,808.53
11,707.88
10,183.75
11,168.65
5,141.23
4,992.76
4,386.88
3,752.71
3,196.85
3,063.76
% Of Sales
-
12.76%
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
9.89%
9.53%
Provisions
-
6,810.60
13,411.84
13,306.65
17,427.08
13,395.02
11,536.27
14,298.50
7,090.61
3,882.18
3,039.38
% Of Sales
-
6.79%
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
12.01%
9.45%
EBITDA
30,000.62
22,404.16
12,891.11
9,311.15
3,235.33
-3,734.02
-3,559.33
-6,238.34
599.58
2,006.95
2,984.32
EBITDA Margin
73.81%
60.53%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
23.83%
35.01%
Depreciation
0.00
895.93
744.57
744.81
908.15
417.20
373.82
368.23
240.82
248.98
225.12
PBT
22,530.32
21,508.23
12,146.54
8,566.34
2,327.18
-4,151.22
-3,933.16
-6,606.57
358.76
1,757.96
2,759.20
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
6,300.52
7,799.28
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
415.07
1,001.74
Tax Rate
27.96%
36.26%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
23.61%
36.31%
PAT
16,229.80
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,351.92
1,747.10
PAT before Minority Interest
16,229.80
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,342.89
1,757.46
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.03
-10.36
PAT Margin
27.96%
25.01%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
10.94%
14.00%
PAT Growth
22.97%
62.61%
61.86%
84.17%
0
0
0
-1021.15%
-58.08%
-22.62%
 
EPS
21.26
17.96
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74
1.77
2.29

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
97,597.66
78,803.51
70,861.12
64,737.78
33,989.40
26,835.65
25,251.81
24,093.67
23,048.11
19,899.17
Share Capital
7,737.61
6,938.75
6,938.75
6,510.85
3,526.82
1,867.02
1,168.57
687.44
687.44
635.78
Total Reserves
89,860.05
71,864.76
63,922.37
58,226.93
30,462.58
24,968.63
24,083.24
22,865.23
22,360.67
19,263.39
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8.81
Deposits
12,24,593.36
11,20,321.92
10,34,367.75
9,25,653.93
4,52,436.15
4,17,504.81
4,10,288.43
3,77,194.70
3,44,117.51
3,17,450.34
Borrowings
26,974.27
42,736.59
51,245.20
51,922.23
52,714.06
43,275.60
45,680.39
41,225.50
30,636.61
35,168.00
Other Liabilities & Provisions
52,830.63
46,495.08
37,291.53
40,063.46
16,369.45
10,964.48
9,899.87
13,167.35
9,562.33
11,042.64
Total Liabilities
14,01,995.92
12,88,357.10
11,93,765.60
10,82,377.40
5,55,509.06
4,98,580.54
4,91,120.50
4,55,681.22
4,07,364.56
3,83,568.96
Net Block
9,223.91
8,825.81
7,171.30
7,303.09
4,721.19
3,730.28
3,811.97
3,883.92
3,939.33
2,690.14
Gross Block
19,621.63
18,681.33
16,518.39
16,001.87
8,441.75
7,063.11
6,803.64
6,561.23
5,628.54
4,793.51
Accumulated Depreciation
10,397.72
9,855.52
9,347.09
8,698.78
3,720.56
3,332.83
2,991.68
2,677.31
1,689.21
2,103.37
Total Non-Current Assets
13,46,938.24
12,29,450.48
11,42,161.22
10,24,508.34
5,31,953.21
4,74,108.84
4,69,382.72
4,38,202.42
3,92,391.44
3,67,036.71
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
35.89
22.16
37.01
63.33
54.31
44.17
34.08
21.49
12.53
4.29
Cash and balance with RBI
52,901.54
50,258.11
46,115.89
37,885.71
20,118.92
20,800.40
21,017.35
16,522.37
15,606.92
15,063.87
Balance with banks and money at call
66,744.30
62,340.76
73,642.33
46,877.62
35,129.87
22,362.68
28,463.01
16,383.55
14,009.89
7,539.14
Investments
3,43,952.86
3,43,726.96
3,51,839.04
3,39,058.51
1,54,251.49
1,28,391.21
1,25,484.80
1,13,441.26
90,573.21
85,818.15
Advances
8,74,079.74
7,64,276.68
6,63,355.65
5,93,320.08
3,17,677.43
2,98,780.10
2,90,571.51
2,87,949.83
2,68,249.56
2,55,921.12
Other Assets
55,057.66
58,906.63
51,604.39
57,869.05
23,555.84
24,471.69
21,737.78
17,478.79
14,973.13
16,532.24
Total Assets
14,01,995.90
12,88,357.11
11,93,765.61
10,82,377.39
5,55,509.05
4,98,580.53
4,91,120.50
4,55,681.21
4,07,364.57
3,83,568.95
Contingent Liabilities
5,83,383.05
6,08,099.28
6,51,146.83
3,71,781.47
1,89,112.94
1,99,232.26
2,66,829.14
2,31,886.43
3,97,437.14
3,49,105.33
Bills for collection
50,252.86
43,566.72
66,089.41
34,694.81
21,682.69
19,441.23
18,427.09
16,119.40
15,030.34
13,700.54
Adjusted Book Value
120.32
106.17
96.57
93.24
89.72
138.95
196.05
306.88
297.73
290.58

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
19,929.69
6,055.84
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
8,076.80
-3,567.48
PBT
21,508.22
12,146.47
8,566.34
2,326.77
-4,231.28
-3,922.10
-6,598.40
364.65
1,771.52
2,757.46
Adjustment
7,700.93
15,015.20
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
4,909.70
3,528.04
Adjustments for Liabilities & Assets
-6,259.46
-17,828.31
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
2,184.84
-9,262.75
Refund/(Payment) of direct taxes
-3,020.00
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
-789.26
-590.23
Other Direct Payments
0.00
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1,393.77
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
-871.79
-317.99
Net Fixed Assets
-966.57
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
-1518.25
-292.64
Other Investment Activity
-22137.89
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
-6596.32
-5123.07
Cash from Financing Activity
-11,488.94
-10,654.15
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
-191.21
3,167.84
Closing Cash & Equivalent
1,19,645.84
1,12,598.86
1,19,758.22
84,763.34
55,248.80
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
Net Cash Inflow / Outflow
7,046.98
-7,159.36
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
7,013.80
-717.63
Opening Cash & Equivalents
1,12,598.86
1,19,758.22
84,763.34
55,577.53
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
23,320.64

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
120.32
106.17
96.57
93.24
89.73
138.95
196.05
306.88
297.73
290.58
NIM
2.77
2.71
2.47
2.48
2.21
2.21
2.04
2.08
2.17
2.34
Yield on Advances
11.48
10.62
10.29
11.68
11.80
11.48
11.34
11.40
12.05
12.57
Yield on Investments
7.16
6.55
6.73
7.48
7.88
7.62
8.12
9.64
9.38
9.46
Cost of Liabilities
5.06
4.13
3.70
4.51
5.11
5.19
5.15
5.68
6.38
6.70
Interest Spread
6.42
6.49
6.58
7.17
6.68
6.30
6.19
5.71
5.67
5.86
ROCE
21.33%
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
6.57%
9.26%
Cost Income Ratio
48.35
47.89
47.39
50.00
46.97
50.82
48.52
48.52
54.35
53.54
Core Cost Income Ratio
50.29
49.01
51.60
56.81
51.14
53.01
53.13
56.98
58.50
57.51
Operating Costs to Assets
1.89
1.82
1.65
1.82
1.47
1.58
1.48
1.54
1.65
1.74
Loans/Deposits
0.02
0.04
0.05
0.06
0.12
0.10
0.11
0.11
0.09
0.11
Cash/Deposits
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.04
0.05
0.05
Investment/Deposits
0.28
0.31
0.34
0.37
0.34
0.31
0.31
0.30
0.26
0.27
Inc Loan/Deposits
2.20%
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
8.90%
11.08%
Credit Deposits
71.38%
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
77.95%
80.62%
Interest Expended / Interest earned
63.13%
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
73.94%
73.50%
Interest income / Total funds
7.16%
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
7.93%
8.39%
Interest Expended / Total funds
4.52%
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
5.87%
6.16%
CASA
33.49%
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%
32.24%
29.19%

News Update:


  • Union Bank reports 28% rise in Q3 consolidated net profit
    28th Jan 2025, 14:41 PM

    Total consolidated income of the bank increased by 6.53% at Rs 31749.18 crore for Q3FY25

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.