(THE NEWSMAN OF IN.COM)
Union Bank of India has once again proven its mettle in the Indian banking sector with a remarkable financial performance in FY25, underpinned by robust growth across key parameters. The bank has demonstrated resilience, operational efficiency, and continued focus on strengthening its core fundamentals—reinforcing its stature as a trusted and forward-looking financial institution.

Strong Liability Franchise and Deposit Growth

Union Bank’s consistent efforts to build a solid liability franchise are evident in its impressive growth in global deposits. As of Q4FY25, the bank’s global deposits rose by 7.22% year-on-year, reaching Rs. 13,09,750 crore. This growth reflects continued customer trust and the bank’s deep penetration across urban and rural markets, supported by a strong retail deposit base.

Impressive Financial Performance

The Bank reported a significant 31.79% year-on-year jump in net profit, reaching Rs. 17,987 crore in FY25 a testament to its prudent risk management, income diversification, and improved asset quality. Key profitability metrics also showed a healthy uptick: Return on Assets (RoA) improved by 23 basis points to 1.26%, while Return on Equity (RoE) surged by 162 basis points to 17.20%. These figures underscore the bank’s strategic focus on optimizing capital and delivering value to shareholders.

Credit Growth Driven by Retail, Agriculture, and MSME Segments

Union Bank’s credit portfolio also witnessed broad-based expansion. The RAM (Retail, Agriculture, and MSME) advances—the backbone of inclusive economic growth—registered a year-on-year growth of 10.17%, while the overall Gross Advances grew by 8.62%. This reflects the bank’s commitment to supporting key sectors of the economy, empowering entrepreneurs, farmers, and households across the nation.

Union Bank of India’s strong FY25 performance showcases its sound financial foundation, strategic vision, and customer-centric approach. With consistent growth in deposits, healthy profitability, and focused lending in priority sectors, the bank is well-positioned to sustain momentum and play a pivotal role in India’s banking landscape. As it continues to embrace innovation and expand its reach, Union Bank stands as a shining example of growth, trust, and excellence in the public sector banking domain.