Union Bank of India (BOM:532477)

Accolade Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	1,091,532	1,084,173	1,003,756	811,632	682,297	693,115
Interest Paid on Deposits	719,604	707,333	633,637	480,328	401,785	441,124
Net Interest Income	374,048	376,840	370,119	331,303	280,512	251,991
Net Interest Income Growth (YoY)	-0.48%	1.82%	11.72%	18.11%	11.32%	116.44%
Gain (Loss) on Sale of Assets	22.12	22.12	21.69	-14.86	-3.49	205.85
Gain (Loss) on Sale of Investments	33,815	33,815	21,219	11,198	33,901	47,373
Other Non-Interest Income	182,487	181,783	156,887	147,971	101,347	95,489
Total Non-Interest Income	216,324	215,620	178,128	159,154	135,244	143,067
Non-Interest Income Growth (YoY)	17.55%	21.05%	11.92%	17.68%	-5.47%	147.13%
Revenues Before Loan Losses	590,373	592,459	548,247	490,457	415,756	395,058
Provision for Loan Losses	65,884	77,779	68,106	134,118	133,067	169,262
Revenue	524,489	514,681	480,141	356,338	282,690	225,795
Revenue Growth (YoY)	8.53%	7.19%	34.74%	26.05%	25.20%	459.36%
Salaries and Employee Benefits	154,111	149,963	145,932	125,240	102,637	94,910
Occupancy Expenses	27,115	27,115	23,549	22,002	21,653	23,950
Amortization of Goodwill & Intangibles	-	-	-14.12	-	-	-
Selling, General & Administrative	9,766	9,766	9,334	8,257	7,042	6,506
Other Non-Interest Expense	96,116	93,598	86,257	79,374	65,695	72,149
Total Non-Interest Expense	283,545	279,384	264,177	234,060	196,458	197,161
EBT Excluding Unusual Items	240,944	235,297	215,964	122,279	86,232	28,634
Pretax Income	240,944	235,297	215,964	122,279	86,232	28,634
Income Tax Expense	52,813	55,027	77,993	37,162	33,578	-
Earnings From Continuing Operations	188,131	180,270	137,971	85,117	52,653	28,634
Net Income	188,131	180,270	137,971	85,117	52,653	28,634
Net Income to Common	188,131	180,270	137,971	85,117	52,653	28,634
Net Income Growth	32.79%	30.66%	62.10%	61.66%	83.88%	-
Basic Shares Outstanding	7,634	7,634	7,203	6,835	6,773	6,407
Diluted Shares Outstanding	7,634	7,634	7,203	6,835	6,773	6,407
Shares Change (YoY)	3.10%	5.98%	5.39%	0.92%	5.71%	176.06%
EPS (Basic)	24.65	23.62	19.15	12.45	7.77	4.47
EPS (Diluted)	24.65	23.62	19.15	12.45	7.77	4.47
EPS Growth	28.83%	23.32%	53.82%	60.23%	73.85%	-
Dividend Per Share	-	4.750	3.600	3.000	1.900	-
Dividend Growth	-	31.94%	20.00%	57.89%	-	-
Effective Tax Rate	21.92%	23.39%	36.11%	30.39%	38.94%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.