Union Bank share price jumps 6% as Q4FY25 net profit surges 50% YoY

Shares of Union Bank of India traded over 6% higher on the NSE at ₹122 apiece after the Q4FY25 results came in better than expectations. The Bank reported robust growth across the board.

The net interest income for the bank largely remained flat at ₹9,514 crore in Q4FY25 as against ₹9,437 crore in the previous year's similar quarter. This was largely due sharper increase in the interest expenses at 7.5% YoY than total interest income at 5.1%.

However, a moderate drop in the operating expenses led to a nearly 18% jump in the operating profit for the bank at ₹7,700 crore. The provisions for bad debts and contingencies also dropped to 15% YoY to ₹2715 crore as against ₹3,222 crore. Consequently, the net profit for the quarter jumped by 50% YoY to ₹4,985 crore.

On the balance sheet front, the total advances for the quarter grew by 8.6% YoY at ₹9.83 trillion, and the deposits growth remained healthy at 7.22% at ₹13 trillion. The asset quality for the bank also improved with GNPA and NNPA ratios of 3.6% and 0.63% as against 4.76% and 1.05% in previous year same quarter.

Union Bank of India shares have gained 2% in 2025 and fallen 17% in the previous year.