Half Yearly Results Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
53,072.82
48,064.91
37,855.94
33,839.94
36,204.99
18,310.99
16,827.03
Income On Investments
11,607.41
11,200.97
10,553.27
10,016.31
10,502.07
5,153.55
4,271.28
Interest On Balances With Rbi Other Inter Bank Funds
2,534.17
2,446.92
993.94
953.96
904.61
581.14
657.63
Interest / Discount On Advances / Bills
38,742.55
34,143.06
26,069.99
22,510.99
24,281.13
12,386.93
11,853.18
Others
188.69
273.96
238.74
358.68
517.18
189.37
44.94
Other Income
9,837.26
7,598.47
6,093.10
6,757.65
4,444.48
2,132.72
2,366.56
Total Income
62,910.08
55,663.38
43,949.04
40,597.59
40,649.47
20,443.71
19,193.59
Interest Expended
34,613.47
30,099.14
21,969.23
19,997.22
23,508.92
12,886.94
11,731.36
Net Interest Income
18,459.35
17,965.77
15,886.71
13,842.72
12,696.07
5,424.05
5,095.67
Total Expenditure (Excl Depreciation)
12,398.54
11,164.08
9,955.16
9,345.49
7,697.62
3,429.73
3,981.66
Employee Cost
7,130.70
6,268.59
5,399.18
5,527.56
4,236.13
1,479.43
1,785.25
Other Operating Expenses
5,267.84
4,895.49
4,555.98
3,817.93
3,461.49
1,950.30
2,196.41
Operating Profit Before Provisions and Contingencies
15,898.07
14,400.16
12,024.65
11,254.88
9,442.93
4,127.04
3,480.57
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
4,468.01
3,772.90
7,357.95
7,126.10
8,373.81
5,378.09
7,383.27
Profit Before Tax
11,430.06
10,627.26
4,666.70
4,128.78
1,069.12
-1,251.05
-3,902.70
Tax
3,031.47
3,879.40
1,260.54
1,421.68
219.76
-281.87
-686.68
Profit After Tax
8,398.59
6,747.86
3,406.16
2,707.10
849.36
-969.18
-3,216.02
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
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
8,398.59
6,747.86
3,406.16
2,707.10
849.36
-969.18
-3,216.02
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
11.0
9.1
4.98
3.96
1.33
-5.5
-18.24
Diluted Earnings per share
11.0
9.72
4.98
4.03
1.33
-5.5
0.0
Operating Profit Margin (Excl OI)
68.22%
68.92%
54.27%
51.33%
55.61%
51.9%
32.46%
Gross Profit Margin
21.54%
22.11%
12.33%
12.2%
2.95%
-6.83%
46.52%
PAT Margin
15.82%
14.04%
9.0%
8.0%
2.35%
-5.29%
-19.11%
Net Interest Margin
2.97%
3.14%
0.0%
3.0%
2.78%
2.24%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
32.72%
34.66%
35.63%
37.16%
34.61%
33.8%
0.0%
CASA Amount
3,96,295.00
3,88,229.00
3,71,697.00
3,39,692.00
3,06,665.00
1,49,832.00
0.00
Capital Adequacy Ratio (Total)
17.13%
16.69%
14.5%
13.64%
12.38%
15.14%
0.0%
Capital Adequacy Ratio (Tier 1)
15.22%
14.57%
12.26%
11.32%
10.05%
12.83%
0.0%
Provision Coverage Ratio (%)
92.79%
92.03%
86.61%
81.77%
83.16%
67.75%
0.0%
Amount of Gross NPAs
40,498.86
54,012.26
65,390.85
80,211.73
95,796.90
49,850.48
48,729.15
Amount of Net NPAs
8,758.59
10,421.01
19,192.63
26,786.42
23,894.35
20,791.06
20,332.42
% of Net NPAs
0.98%
1.3%
2.64%
4.61%
4.13%
6.98%
6.85%
% of Gross NPAs
4.36%
6.38%
8.45%
12.64%
14.71%
15.24%
14.98%
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
9124.0
10013.0
11092.0
11677.0
13287.0
12384.0
0.0
Number of Branches
8555.0
8521.0
8729.0
9274.0
9590.0
4285.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 10.42% vs 26.97% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 24.46% vs 98.11% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 10.40% vs 19.76% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is -0.32% vs -1.34% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -2.02% vs -2.07% in Sep 2023
Compare Half Yearly Results Of Union Bank (I) With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
53,072.82
58,431.44
-5,358.62
-9.17%
Income On Investments
11,607.41
14,948.18
-3,340.77
-22.35%
Interest On Balances With Rbi Other Inter Bank Funds
2,534.17
1,499.25
1,034.92
69.03%
Interest / Discount On Advances / Bills
38,742.55
41,636.04
-2,893.49
-6.95%
Others
188.69
347.97
-159.28
-45.77%
Other Income
9,837.26
8,181.61
1,655.65
20.24%
Total Income
62,910.08
66,613.05
-3,702.97
-5.56%
Interest Expended
34,613.47
37,438.50
-2,825.03
-7.55%
Net Interest Income
18,459.35
20,992.94
-2,533.59
-12.07%
Total Expenditure (Excl Depreciation)
12,398.54
15,740.08
-3,341.54
-21.23%
Employee Cost
7,130.70
10,301.21
-3,170.51
-30.78%
Other Operating Expenses
5,267.84
5,438.87
-171.03
-3.14%
Operating Profit Before Provisions and Contingencies
15,898.07
13,434.47
2,463.60
18.34%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
4,468.01
1,600.33
2,867.68
179.19%
Profit Before Tax
11,430.06
11,834.14
-404.08
-3.41%
Tax
3,031.47
4,279.15
-1,247.68
-29.16%
Profit After Tax
8,398.59
7,554.99
843.60
11.17%
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
8,398.59
7,554.99
843.60
11.17%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
11.00
6.57
4.43
67.43%
Diluted Earnings per share
11.00
6.85
4.15
60.58%
Operating Profit Margin (Excl OI)
68.22%
70.32%
0.00
-2.10%
Gross Profit Margin
21.54%
20.25%
0.00
1.29%
PAT Margin
15.82%
12.93%
0.00
2.89%
Net Interest Margin
2.97%
2.99%
-0.02
-0.02%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
32.72%
39.31%
-6.59
-6.59%
CASA Amount
3,96,295.00
5,56,739.00
-1,60,444.00
-28.82%
Capital Adequacy Ratio (Total)
17.13%
16.36%
0.77
0.77%
Capital Adequacy Ratio (Tier 1)
15.22%
13.63%
1.59
1.59%
Provision Coverage Ratio (%)
92.79%
96.67%
-3.88
-3.88%
Amount of Gross NPAs
40,498.86
47,582.25
-7,083.39
-14.89%
Amount of Net NPAs
8,758.59
4,674.24
4,084.35
87.38%
% of Net NPAs
0.98%
0.46%
0.52
0.52%
% of Gross NPAs
4.36%
4.48%
-0.12
-0.12%
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
9,124.00
12,040.00
-2,916.00
-24.22%
Number of Branches
8,555.00
10,159.00
-1,604.00
-15.79%
Half Yearly - Interest Earned
Interest Earned 53072.82 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 10.42% vs 26.97% in Sep 2023
Half Yearly - Net Profit
Net Profit 8,398.59 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 24.46% vs 98.11% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 15,898.07 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 10.40% vs 19.76% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.98%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.32% vs -1.34% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 4.36%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -2.02% vs -2.07% in Sep 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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