Union Bank of India Share Price Gains Over 7% After Q3 FY26 Earnings Results; Net Profit Up 18.1% QoQ

Union Bank of India reported a steady rise in its total business and profitability for the December 2025 quarter. The bank's financial performance highlights growth in gross advances and improvements in asset quality. 

Growth in Total Business and Advances 

Union Bank of India's total business increased by 1.35% quarter-on-quarter (QoQ) to ₹22.40 lakh crore in the December 2025 quarter, up from ₹22.10 lakh crore in the September 2025 quarter. Year-on-year (YoY), the total business rose by 5.04% from ₹21.32 lakh crore.  

Gross advances saw a notable increase of 4.27% QoQ, reaching ₹10.17 lakh crore compared to ₹9.75 lakh crore in the previous quarter, marking a 7.13% YoY growth. 

Net Interest Income and Profitability 

Net interest income (NII) for the bank grew by 5.85% QoQ to ₹9,328 crore in the December 2025 quarter, although it was down by 1.61% YoY.  

The bank's net profit saw a significant jump of 18.1% QoQ, amounting to ₹5,017 crore, up from ₹4,249 crore in the September 2025 quarter, and a 2.91% increase YoY from ₹4,874 crore. 

Asset Quality and Profitability Ratios 

Union Bank of India improved its asset quality, with gross non-performing assets (NPAs) declining to 3.06% in the December 2025 quarter from 3.29% in the previous quarter.  

Net NPAs also eased to 0.51% from 0.55%. Profitability ratios strengthened QoQ, with return on assets (RoA) improving to 1.35% from 1.16%, and return on equity (RoE) rising to 17.09% from 15.08%. The net interest margin (NIM) expanded to 2.76% from 2.67%. 

Capital Position 

The bank maintained a comfortable capital position, with the capital to risk-weighted assets ratio (CRAR) at 16.49% and the common equity tier 1 (CET 1) ratio at 13.94% as of December 2025. 

Union Bank of India Share Price Performance 

As of January 14, 2026, at 1:17 PM, Union Bank of India share price on NSE was trading at ₹177.85 up by 7.02% from the previous closing price. 

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Conclusion 

Union Bank of India demonstrated solid financial performance in the December 2025 quarter, with growth in total business, advances, and net profit. Improvements in asset quality and profitability ratios further underscore the bank's robust position. 

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