Union Bank of India — Investor Meet, 16-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Union Bank of India reported FY25 net profit up 32% YoY at INR 17,987 Cr, with Q4 net profit rising 51% to INR 4,985 Cr. Operating profit grew 10% to INR 31,090 Cr. Asset quality improved with gross NPA down 116 bps to 3.6%, and credit cost at 69 bps. Credit growth was 8.6%, led by retail (22%) and MSME (12.5%), while corporate lending remained cautious. Management highlighted margin preservation through selective lending and prudent deposit pricing. Recoveries exceeded slippages by INR 3,000 Cr+, supporting asset quality. Focus areas include sustainable growth, digital transformation, and balanced profitability amid macro uncertainties.