Union Bank Of India
Established in 1919, UBI is one of the largest PSBs in India in terms of total business and total assets after amalgamation of Andhra Bank and Corporation Bank with itself effective from April 1, 2020. UBI has PAN-India network of 8,473 branches (inc...
Key Metrics
EPS
18.07
Current ratio
0.10
Debt/Equity
13.39
Debt/EBITDA
58.35
Interest coverage ratio
-
Operating Cashflow to total debt
0.02
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Majority ownership and expected continued support from the GoI
Long track record of operations with an established franchise with balanced advances growth
Comfortable capitalisation levels supported by recent QIP
Improvement in profitability
Liquidity: Strong
Cons
Improvement in asset quality; albeit remains moderate
Relatively low CASA share
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About Union Bank Of India bond.
This comprehensive profile covers key factual information about Union Bank Of India. Established in 1919, UBI is one of the largest PSBs in India in terms of total business and total assets after amalgamation of Andhra Bank and Corporation Bank with itself effective from April 1, 2020. UBI has PAN-India network of 8,473 branches (including two foreign) and 9,342 ATMs catering to a customer base of over 21 crore throughout the country as on June 30, 2024. EPS in Mar-2024 was 18.07. Current ratio in Mar-2024 was 0.10. Debt/Equity in Mar-2024 was 13.39. Debt/EBITDA in Mar-2024 was 58.35. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.02. Total revenue for Mar-2025 (E) was ₹135427.28. Net income for Mar-2025 (E) stood at ₹17720.21. Total assets as of Mar-2024 were ₹1404783.64. Operating cash flow for Mar-2024 was ₹19,929.69. Peers and comparison entities consist of Union Bank Of India, State Bank of India, Bank of Baroda Limited, Punjab National Bank. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Majority ownership and expected continued support from the GoI; Long track record of operations with an established franchise with balanced advances growth; Comfortable capitalisation levels supported by recent QIP; Improvement in profitability; Liquidity: Strong. Key risks include: Improvement in asset quality; albeit remains moderate; Relatively low CASA share. Leadership team details include A Manimekhalai (Managing Director & CEO), Abhijit Basak (Chief General Manager), Ajay Kumar Singh (Chief Vigilance Officer), Ashwini Kumar Choudhary (Chief Risk Officer), Avinash Vasant Prabhu (Chief Financial Officer), Jayadev Madugula (Shareholder Director), K Bhaskara Rao (Chief General Manager), Laxman S Uppar (Part Time Non Official Director), Nitesh Ranjan (Executive Director), Pankaj Dwivedi (Executive Director), Prakash Baliarsingh (Nominee Director), Pravin Sharma (Chief General Manager), Priti Jay Rao (Shareholder Director), S K Dash (Company Secretary & Compliance Officer), S Ramasubramanian (Executive Director), Sameer Shukla (Government Nominee Director), Sanjay Narayan (General Manager), Sanjay Rudra (Executive Director), Srinivasan Varadarajan (Non Executive Chairman), Sudarshana Bhat (Chief General Manager), Sumit Srivastava (General Manager), Suraj Srivastava (Part Time Non Official Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.