Union Bank of India Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	180,270	137,971	85,117	52,653	28,634
Depreciation & Amortization	10,839	8,959	7,446	7,381	9,082
Gain (Loss) on Sale of Assets	-22.1	-21.7	14.9	3.5	-205.9
Gain (Loss) on Sale of Investments	-33,747	8,807	16,748	2,005	5,562
Provision for Credit Losses	73,639	71,203	113,487	129,928	154,335
Change in Other Net Operating Assets	-981,557	-1,105,309	-1,038,381	-966,853	-579,280
Other Operating Activities	47,335	34,091	15,216	50,565	34,716
Operating Cash Flow	-702,186	-843,418	-799,539	-723,749	-346,804
Capital Expenditures	-16,692	-16,488	-30,656	-7,495	-7,190
Sale of Property, Plant and Equipment	216.4	3,432	6,828	3,079	1,179
Cash Acquisitions	-2,438	-881.7	-1,783	-1,161	-
Income (Loss) Equity Investments	1,058	881.7	813.2	568.2	353.8
Other Investing Activities	0.1	-	-	-	-
Investing Cash Flow	-18,914	-13,938	-25,611	-5,577	-6,011
Long-Term Debt Issued	5,155	-	9,830	70,000	-
Long-Term Debt Repaid	-	-157,623	-87,525	-76,770	-209,691
Net Debt Issued (Repaid)	5,155	-157,623	-77,695	-6,770	-209,691
Issuance of Common Stock	1,335	79,709	-	14,421	37,050
Common Dividends Paid	-27,481	-20,504	-12,986	-	-
Total Dividends Paid	-27,481	-20,504	-12,986	-	-
Net Increase (Decrease) in Deposit Accounts	876,980	1,042,714	860,098	1,087,138	552,077
Other Financing Activities	-14,510	-16,470	-15,860	-15,513	-15,966
Financing Cash Flow	841,479	927,825	753,556	1,079,275	363,471
Net Cash Flow	120,379	70,470	-71,594	349,949	291,858
Free Cash Flow	-718,878	-859,906	-830,195	-731,245	-353,994
Free Cash Flow Margin	-139.67%	-179.09%	-232.98%	-258.67%	-156.78%
Free Cash Flow Per Share	-94.17	-119.38	-121.47	-107.97	-55.25
Cash Interest Paid	14,510	16,470	15,860	15,513	15,966
Cash Income Tax Paid	7,057	30,200	32,775	5,439	2,286

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.