Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
99,777.96
80,743.34
67,943.95
68,767.34
37,231.12
34,066.66
32,748.00
Income On Investments
22,467.43
21,355.04
19,942.84
20,573.70
10,572.86
9,003.34
8,779.96
Interest On Balances With Rbi Other Inter Bank Funds
4,854.86
2,116.84
2,140.82
1,604.88
1,200.28
1,201.27
1,139.37
Interest / Discount On Advances / Bills
71,971.03
56,760.14
45,235.50
45,765.84
25,078.70
23,771.92
22,772.98
Others
484.64
511.32
624.79
822.92
379.28
90.13
55.69
Other Income
16,080.19
14,633.15
12,524.82
11,744.49
5,260.79
4,473.95
4,989.86
Total Income
1,15,858.15
95,376.49
80,468.77
80,511.83
42,491.91
38,540.61
37,737.86
Interest Expended
63,207.56
47,978.00
40,157.49
44,078.91
25,794.37
23,851.75
23,443.34
Net Interest Income
36,570.40
32,765.34
27,786.46
24,688.43
11,436.75
10,214.91
9,304.66
Total Expenditure (Excl Depreciation)
24,439.96
21,931.33
18,438.07
16,765.99
7,516.42
7,167.63
6,654.95
Employee Cost
14,377.18
12,389.71
10,114.61
9,283.61
3,358.62
3,150.93
3,155.23
Other Operating Expenses
10,062.78
9,541.62
8,323.46
7,482.38
4,157.80
4,016.70
3,499.72
Operating Profit Before Provisions and Contingencies
28,210.63
25,467.16
21,873.21
19,666.93
9,181.12
7,521.23
7,639.57
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
6,780.24
13,329.44
13,293.80
17,267.51
10,698.77
11,447.89
14,280.70
Profit Before Tax
21,430.39
12,137.72
8,579.41
2,399.42
-4,027.63
-3,926.66
-6,641.13
Tax
7,782.08
3,704.45
3,347.31
-506.55
-1,129.85
-979.21
-1,393.76
Profit After Tax
13,648.31
8,433.27
5,232.10
2,905.97
-2,897.78
-2,947.45
-5,247.37
Extraordinary Items
0.00
0.00
0.00
0.00
-2,509.98
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
13,648.31
8,433.27
5,232.10
2,905.97
-387.80
-2,947.45
-5,247.37
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
83,690.94
65,367.04
58,984.32
53,171.41
22,489.18
22,489.18
21,586.32
Earnings per share (EPS)
17.88
12.34
7.66
4.54
-8.47
-16.72
-44.9
Diluted Earnings per share
18.95
12.34
7.73
4.54
-15.79
-25.08
-69.45
Operating Profit Margin (Excl OI)
68.71%
56.33%
53.3%
50.51%
44.33%
45.36%
36.07%
Gross Profit Margin
21.48%
15.03%
12.63%
3.49%
-10.82%
-11.53%
-20.28%
PAT Margin
13.68%
10.44%
7.7%
4.23%
-7.78%
-8.65%
-16.02%
Net Interest Margin
3.1%
3.07%
2.94%
2.71%
2.97%
2.23%
1.9%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
34.2%
35.62%
36.54%
36.33%
35.6%
36.1%
34.1%
CASA Amount
4,10,134.00
3,94,055.00
3,77,193.00
3,35,592.00
2,96,598.00
1,50,141.00
1,39,241.00
Capital Adequacy Ratio (Total)
16.97%
16.04%
14.52%
12.56%
12.81%
11.78%
11.46%
Capital Adequacy Ratio (Tier 1)
14.99%
13.91%
12.19%
10.36%
10.76%
9.48%
9.03%
Provision Coverage Ratio (%)
92.69%
90.34%
83.61%
81.27%
73.64%
66.24%
57.16%
Amount of Gross NPAs
43,097.73
60,987.29
79,587.07
89,788.20
49,085.30
48,729.15
49,369.93
Amount of Net NPAs
8,989.92
12,927.44
24,303.30
27,280.52
17,303.14
20,332.42
24,326.31
% of Net NPAs
1.03%
1.7%
3.68%
4.62%
5.49%
6.85%
8.42%
% of Gross NPAs
4.76%
7.53%
11.11%
13.74%
14.15%
14.98%
15.73%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
8982.0
10835.0
11232.0
12957.0
13311.0
6650.0
7642.0
Number of Branches
8466.0
8580.0
8873.0
9315.0
9587.0
4288.0
4301.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 23.57% vs 18.84% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 61.84% vs 61.18% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 10.77% vs 16.43% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is -0.67% vs -1.98% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is -2.77% vs -3.58% in Mar 2023
Compare Annual Results Of Union Bank (I) With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
99,777.96
1,06,901.62
-7,123.66
-6.66%
Income On Investments
22,467.43
27,644.80
-5,177.37
-18.73%
Interest On Balances With Rbi Other Inter Bank Funds
4,854.86
2,778.89
2,075.97
74.71%
Interest / Discount On Advances / Bills
71,971.03
75,939.31
-3,968.28
-5.23%
Others
484.64
538.62
-53.98
-10.02%
Other Income
16,080.19
13,383.54
2,696.65
20.15%
Total Income
1,15,858.15
1,20,285.16
-4,427.01
-3.68%
Interest Expended
63,207.56
66,818.55
-3,610.99
-5.4%
Net Interest Income
36,570.40
40,083.07
-3,512.67
-8.76%
Total Expenditure (Excl Depreciation)
24,439.96
28,535.80
-4,095.84
-14.35%
Employee Cost
14,377.18
18,486.31
-4,109.13
-22.23%
Other Operating Expenses
10,062.78
10,049.49
13.29
0.13%
Operating Profit Before Provisions and Contingencies
28,210.63
24,930.81
3,279.82
13.16%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
6,780.24
11,736.60
-4,956.36
-42.23%
Profit Before Tax
21,430.39
13,194.21
8,236.18
62.42%
Tax
7,782.08
4,949.59
2,832.49
57.23%
Profit After Tax
13,648.31
8,244.62
5,403.69
65.54%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
13,648.31
8,244.62
5,403.69
65.54%
Face Value
10.00
2.00
0.00
Reserves
83,690.94
95,968.74
-12,277.80
-12.79%
Earnings per share (EPS)
17.88
7.49
10.39
138.72%
Diluted Earnings per share
18.95
7.49
11.46
153.0%
Operating Profit Margin (Excl OI)
68.71%
62.33%
0.00
6.38%
Gross Profit Margin
21.48%
12.34%
0.00
9.14%
PAT Margin
13.68%
7.71%
0.00
5.97%
Net Interest Margin
3.10%
3.09%
0.01
0.01%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
34.20%
41.44%
-7.24
-7.24%
CASA Amount
4,10,134.00
5,52,499.00
-1,42,365.00
-25.77%
Capital Adequacy Ratio (Total)
16.97%
15.97%
1.00
1.00%
Capital Adequacy Ratio (Tier 1)
14.99%
13.17%
1.82
1.82%
Provision Coverage Ratio (%)
92.69%
95.39%
-2.70
-2.70%
Amount of Gross NPAs
43,097.73
56,343.05
-13,245.32
-23.51%
Amount of Net NPAs
8,989.92
6,798.77
2,191.15
32.23%
% of Net NPAs
1.03%
0.73%
0.30
0.30%
% of Gross NPAs
4.76%
5.73%
-0.97
-0.97%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
8,982.00
12,131.00
-3,149.00
-25.96%
Number of Branches
8,466.00
10,136.00
-1,670.00
-16.48%
Annual - Interest Earned
Interest Earned 99777.96 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 23.57% vs 18.84% in Mar 2023
Annual - Net Profit
Net Profit 13,648.31 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 61.84% vs 61.18% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 28,210.63 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 10.77% vs 16.43% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 1.03%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -0.67% vs -1.98% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 4.76%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -2.77% vs -3.58% in Mar 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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