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NINE MONTHS RESULTS

Union Bank of India

Apr 29, 12:30 BSE 127.55 ( -0.85 -0.66%)

Volume206769

Prev. Close
128.40

Open Price
129.15

Today's Low / High

127.45 131.50

Bid. Price (Qty.)127.50 (1343)

Offer Price (Qty.)
127.65 (150)

52 Wk Low / High

100.75 172.45

Apr 29, 12:19 NSE 127.79( -0.76 -0.59%)

Volume7704365

Prev. Close
128.55

Open Price
129.75

Today's Low / High

127.52 131.50

Bid Price (Qty.)127.77 (50)

Offer Price (Qty.) 127.80 (4214)

52 Wk Low / High

100.81 172.50

Standalone

(₹ in Crs.)

Particulars	Dec 24	Dec 23	Dec 22	Dec 21	Dec 20
Interest Earned
Int. /Disc. on Adv/Bills	58718.73	52519.68	41101.33	33781.41	35733.59
Income on Investment	17394.12	16859.16	15901.40	14946.53	15662.79
Int. on balances With RBI	3623.86	3655.97	1366.82	1533.65	1592.75
Others	294.04	393.05	369.25	508.00	303.16
Total Interest Earned	80030.75	73427.86	58738.80	50769.59	53292.29
Other Income	14253.83	11372.77	9363.92	9281.74	6785.91
Total Income	94284.58	84800.63	68102.72	60051.33	60078.20

EXPENDITURE
Interest Expended	52331.13	46294.09	34224.01	29752.48	34006.72
Employee Cost	10598.51	9548.06	8247.48	7903.03	6580.86
Other Expenses	7965.05	7280.78	6987.43	6042.75	5411.20
Total Expenses	70894.69	63122.93	49458.92	43698.26	45998.78

Operating Profit Before Provisions And Contingencies	23389.89	21677.70	18643.80	16353.07	14079.42
Provisions And Contingencies	6067.06	5520.69	10393.86	9675.68	12955.59
P/L Before Tax	17322.83	16157.01	8249.94	6677.39	1123.83
Tax	4320.61	5819.25	2598.98	2884.89	-452.37
P/L After Tax from Ordinary Activities	13002.22	10337.76	5650.96	3792.50	1576.20
Net Profit/Loss For the Period	13002.22	10337.76	5650.96	3792.50	1576.20

Equity Share Capital	7633.61	7412.45	6834.75	6834.75	6406.84

ANALYTICAL RATIOS
(%) of Share by Govt.	74.76	76.99	83.49	83.49	89.07
EPS Before Extra Ordinary *
Basic EPS (Rs.)	17.03	14.56	8.27	5.62	2.46
Diluted EPS (Rs.)	17.03	14.56	8.27	5.62	2.46
EPS After Extra Ordinary *
Basic EPS (Rs.)	17.03	14.56	8.27	5.62	2.46
Diluted EPS (Rs.)	17.03	14.56	8.27	5.62	2.46

NPA Ratios:
Gross NPA	36554.25	43261.88	63770.16	77786.12	87968.62
Net NPA	7568.36	9351.23	16195.11	25257.32	19063.05
(%) of Gross NPA	3.85	4.83	7.93	11.62	13.49
(%) of Net NPA	0.82	1.08	2.14	4.09	3.27
Return on Assets %	1.24	1.05	0.62	0.46	0.19

OPBPC Margin (%)	29.22	29.52	31.74	32.21	26.41
PBT Margin (%)	21.64	22.00	14.04	13.15	2.10
PAT Margin (%)	16.24	14.07	9.62	7.47	2.95

Particulars	Dec 24
Interest Earned
Int. /Disc. on Adv/Bills	58718.73
Income on Investment	17394.12
Int. on balances With RBI	3623.86
Others	294.04
Total Interest Earned	80030.75
Other Income	14253.83
Total Income	94284.58

EXPENDITURE
Interest Expended	52331.13
Employee Cost	10598.51
Other Expenses	7965.05
Total Expenses	70894.69
Operating Profit Before Provisions And Contingencies	23389.89
Provisions And Contingencies	6067.06
P/L Before Tax	17322.83
Tax	4320.61
P/L After Tax from Ordinary Activities	13002.22
Net Profit/Loss For the Period	13002.22
Equity Share Capital	7633.61
ANALYTICAL RATIOS
(%) of Share by Govt.	74.76
EPS Before Extra Ordinary *
Basic EPS (Rs.)	17.03
Diluted EPS (Rs.)	17.03
EPS After Extra Ordinary *
Basic EPS (Rs.)	17.03
Diluted EPS (Rs.)	17.03
NPA Ratios:
Gross NPA	36554.25
Net NPA	7568.36
(%) of Gross NPA	3.85
(%) of Net NPA	0.82
Return on Assets %	1.24
OPBPC Margin (%)	29.22
PBT Margin (%)	21.64
PAT Margin (%)	16.24