Union Bank of India (NSE:UNIONBANK)

Union Bank of India Cash Flow Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	194,302	180,270	137,971	85,117	52,653
Depreciation & Amortization	12,039	10,839	8,959	7,446	7,381
Gain (Loss) on Sale of Assets	-70.3	-22.1	-21.7	14.9	3.5
Gain (Loss) on Sale of Investments	-10,455	-33,747	8,807	16,748	2,005
Provision for Credit Losses	43,083	73,639	71,203	113,487	129,928
Change in Other Net Operating Assets	-1,015,739	-981,557	-1,105,309	-1,038,381	-966,853
Other Operating Activities	62,662	47,335	34,091	15,216	50,565
Operating Cash Flow	-707,683	-702,186	-843,418	-799,539	-723,749
Capital Expenditures	-32,238	-16,692	-16,488	-30,656	-7,495
Sale of Property, Plant and Equipment	1,913	216.4	3,432	6,828	3,079
Cash Acquisitions	-40,427	-2,438	-881.7	-1,783	-1,161
Income (Loss) Equity Investments	6,496	1,058	881.7	813.2	568.2
Other Investing Activities	-	0.1	-	-	-
Investing Cash Flow	-70,753	-18,914	-13,938	-25,611	-5,577
Long-Term Debt Issued	155,105	5,155	-	9,830	70,000
Long-Term Debt Repaid	-27,050	-	-157,623	-87,525	-76,770
Net Debt Issued (Repaid)	128,055	5,155	-157,623	-77,695	-6,770
Issuance of Common Stock	-	1,335	79,709	-	14,421
Common Dividends Paid	-36,260	-27,481	-20,504	-12,986	-
Net Increase (Decrease) in Deposit Accounts	349,700	876,980	1,042,714	860,098	1,087,138
Other Financing Activities	-14,506	-14,510	-16,470	-15,860	-15,513
Financing Cash Flow	426,989	841,479	927,825	753,556	1,079,275
Net Cash Flow	-351,447	120,379	70,470	-71,594	349,949
Free Cash Flow	-739,921	-718,878	-859,906	-830,195	-731,245
Free Cash Flow Margin	-135.79%	-139.67%	-179.09%	-232.98%	-258.67%
Free Cash Flow Per Share	-96.92	-94.17	-119.38	-121.47	-107.97
Cash Interest Paid	14,506	14,510	16,470	15,860	15,513
Cash Income Tax Paid	3,221	7,057	30,200	32,775	5,439

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