Union Bank Of India
Public Sector · NSE UNIONBANK · Market cap ₹1,41,985
Latest FY FY2026
Loan growth
10.5%
Deposit growth
2.7%
NIM
2.8%
56th pctile
ROA
1.3%
ROE
14.9%
Gross NPA
2.6%
16th pctile
P/B
1.00x
80th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 10.5% | 17.7% | -7.2pp | — |
| Deposit growth | 2.7% | 13.4% | -10.6pp | — |
| CASA | 35.1% | 32.7% | +2.4pp | 77th |
| NIM | 2.8% | 3.6% | -0.8pp | 56th |
| ROA | 1.3% | 1.1% | +0.2pp | — |
| ROE | 14.9% | 12.4% | +2.5pp | — |
| Gross NPA | 2.6% | 1.9% | +0.8pp | 16th |
| Credit cost | 1.0% | 1.3% | -0.3pp | — |
| Cost/income | 45.3% | 55.1% | -9.8pp | — |
| CRAR | 18.5% | 18.9% | -0.4pp | — |
| P/B | 1.00x | 1.07x | -0.1pp | 80th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 18.46 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Gross NPA -24.7% YoY to 2.65 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost To Income Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▼Deposits growing -7.2pp vs listed-bank aggregate (share 5.17%, -0.36pp 1Y) · |bank growth - system proxy growth| >= 5pp