Summary of Key Information:
Reporting Period: Quarter ended June 30, 2026 (Q1 FY27)
Nature of Filing / Announcement: Unaudited Reviewed Financial Results (Standalone and Consolidated)
Audit Opinion:
Limited Review Report with Unmodified Opinion from Statutory Central Auditors
Key Financial Highlights [₹ in Lakh]:
Standalone Results:
Revenue from Operations: Not separately specified (Total Income: ₹32,66,024)
Total Income: ₹32,66,024 (vs ₹31,96,761 in Q1 FY26, +2.17% YoY)
EBITDA: Not specified
Net Profit: ₹5,36,817 (vs ₹4,13,657 in Q1 FY26, +29.8% YoY)
EPS: ₹7.39 (vs ₹5.80 in Q1 FY26)
Other Equity: Not separately specified
Cash and Cash Equivalents: Not separately specified
Debt: Total Borrowings ₹72,52,764
Consolidated Results:
Revenue from Operations: Not separately specified (Total Income: ₹32,66,024)
Total Income: ₹32,66,024
EBITDA: Not specified
Net Profit: ₹5,64,152 (including share of profit in associate of ₹27,335)
EPS: ₹7.39
Other Equity: Not separately specified
Cash and Cash Equivalents: Not separately specified
Debt: Total Borrowings ₹73,29,257
Segment-wise Performance [₹ in Lakh]:
Standalone Segment Revenue Q1 FY27:
- Treasury Operations: ₹6,81,638
- Retail Banking Operations: ₹12,32,636
- Digital Banking: ₹26,733
- Non-Digital Banking: ₹12,05,903
- Corporate/Wholesale Banking Operations: ₹11,59,970
- Other Banking Operations: ₹53,168
- Unallocated: ₹53,208
Standalone Segment Profit Q1 FY27:
- Treasury Operations: ₹1,09,825
- Retail Banking Operations: ₹3,03,848
- Digital Banking: ₹18,281
- Non-Digital Banking: ₹2,85,567
- Corporate/Wholesale Banking Operations: ₹2,06,373
- Other Banking Operations: ₹29,062
- Unallocated: ₹53,208
Corporate Actions:
Dividend: Interim dividend declared (25% or ₹2.50 per share)
Capital Structure: Paid-up equity share capital ₹7,63,361 (face value ₹10 per share)
Capital Raising: Redeemed ₹850 crore Basel III compliant Tier-II bonds during the quarter
Other Significant Information:
Investment Fluctuation Reserve: Transferred ₹21,701.40 crore to General Reserve during the quarter
Contingency Provision: ₹800 crore (not considered part of PCR & CRAR)
PSLC Transactions: ₹12,000 crore sold with commission earned ₹216.76 crore
Co-Lending Arrangements: Gross outstanding ₹2,317.61 crore
Entities Included in Consolidation:
Subsidiaries: Union Asset Management Company Pvt. Ltd., Union Trustee Company Pvt. Ltd., Union Bank of India (UK) Ltd., Andhra Bank Financial Services Ltd., UBI Services Ltd.
Joint Ventures: Star Union Dai-ichi Life Insurance Company Ltd. (25.10%), ASREC (India) Ltd. (27.30%)
Associate: Andhra Pradesh Grameena Bank (35.00%)