Union Bank of India
Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings, salary, and current accounts; term deposits; retail loans comprising home, vehicle, and education, loans; personal, MSME, agriculture, foreign currency, and gold… Read more
Union Bank of India (UNIONBANK) - Net Assets
Latest net assets as of September 2025: ₹1.26 Trillion INR
Based on the latest financial reports, Union Bank of India (UNIONBANK) has net assets worth ₹1.26 Trillion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹14.90 Trillion) and total liabilities (₹13.64 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹1.26 Trillion |
| % of Total Assets | 8.45% |
| Annual Growth Rate | 18.83% |
| 5-Year Change | 75.84% |
| 10-Year Change | 393.9% |
| Growth Volatility | 18.51 |
Union Bank of India - Net Assets Trend (2005–2025)
This chart illustrates how Union Bank of India's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Union Bank of India (2005–2025)
The table below shows the annual net assets of Union Bank of India from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹1.14 Trillion | +16.64% |
| 2024-03-31 | ₹975.98 Billion | +23.85% |
| 2023-03-31 | ₹788.04 Billion | +11.21% |
| 2022-03-31 | ₹708.61 Billion | +9.46% |
| 2021-03-31 | ₹647.38 Billion | +90.46% |
| 2020-03-31 | ₹339.89 Billion | +26.66% |
| 2019-03-31 | ₹268.36 Billion | +6.27% |
| 2018-03-31 | ₹252.52 Billion | +4.73% |
| 2017-03-31 | ₹241.12 Billion | +4.62% |
| 2016-03-31 | ₹230.48 Billion | +15.77% |
| 2015-03-31 | ₹199.08 Billion | +6.09% |
| 2014-03-31 | ₹187.64 Billion | +7.47% |
| 2013-03-31 | ₹174.60 Billion | +17.82% |
| 2012-03-31 | ₹148.19 Billion | +14.12% |
| 2011-03-31 | ₹129.85 Billion | +24.57% |
| 2010-03-31 | ₹104.24 Billion | +19.26% |
| 2009-03-31 | ₹87.40 Billion | +18.95% |
| 2008-03-31 | ₹73.48 Billion | +41.58% |
| 2007-03-31 | ₹51.90 Billion | +13.86% |
| 2006-03-31 | ₹45.58 Billion | +26.11% |
| 2005-03-31 | ₹36.14 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Union Bank of India's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 160013.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹656.32 Billion | 57.66% |
| Common Stock | ₹76.34 Billion | 6.71% |
| Other Comprehensive Income | ₹147.36 Billion | 12.95% |
| Other Components | ₹258.32 Billion | 22.69% |
| Total Equity | ₹1.14 Trillion | 100.00% |
Union Bank of India Competitors by Market Cap
The table below lists competitors of Union Bank of India ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Solar Industries India Limited
NSE:SOLARINDS
|
$3.87 Billion |
|
MERLIN Properties SOCIMI S.A
PINK:MRPRF
|
$3.87 Billion |
|
Tanger Factory Outlet Centers Inc
NYSE:SKT
|
$3.87 Billion |
|
Yue Yuen Industrial Holdings
PINK:YUEIY
|
$3.87 Billion |
|
Structure Therapeutics Inc. American Depositary Shares
NASDAQ:GPCR
|
$3.87 Billion |
|
REINET INVESTMENTS S.C.A.
F:RNT
|
$3.87 Billion |
|
Colliers International Group Inc
F:FSV
|
$3.86 Billion |
|
Allreal Holding AG
LSE:0QPD
|
$3.86 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Union Bank of India's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 975,976,560,000 to 1,138,340,800,000, a change of 162,364,240,000 (16.6%).
- Net income of 180,269,508,000 contributed positively to equity growth.
- Dividend payments of 27,481,000,000 reduced retained earnings.
- Share repurchases of 1,334,600,000 reduced equity.
- New share issuances of 1,334,600,000 increased equity.
- Other comprehensive income increased equity by 16,177,865,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹180.27 Billion | +15.84% |
| Dividends Paid | ₹27.48 Billion | -2.41% |
| Share Repurchases | ₹1.33 Billion | -0.12% |
| Share Issuances | ₹1.33 Billion | +0.12% |
| Other Comprehensive Income | ₹16.18 Billion | +1.42% |
| Other Changes | ₹-6.60 Billion | -0.58% |
| Total Change | ₹- | 16.64% |
Book Value vs Market Value Analysis
This analysis compares Union Bank of India's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.10x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 30.94x to 1.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹5.62 | ₹173.88 | x |
| 2006-03-31 | ₹7.09 | ₹173.88 | x |
| 2007-03-31 | ₹8.07 | ₹173.88 | x |
| 2008-03-31 | ₹11.42 | ₹173.88 | x |
| 2009-03-31 | ₹13.59 | ₹173.88 | x |
| 2010-03-31 | ₹16.21 | ₹173.88 | x |
| 2011-03-31 | ₹20.11 | ₹173.88 | x |
| 2012-03-31 | ₹22.98 | ₹173.88 | x |
| 2013-03-31 | ₹27.10 | ₹173.88 | x |
| 2014-03-31 | ₹29.14 | ₹173.88 | x |
| 2015-03-31 | ₹30.94 | ₹173.88 | x |
| 2016-03-31 | ₹348.26 | ₹173.88 | x |
| 2017-03-31 | ₹350.77 | ₹173.88 | x |
| 2018-03-31 | ₹334.20 | ₹173.88 | x |
| 2019-03-31 | ₹41.72 | ₹173.88 | x |
| 2020-03-31 | ₹52.84 | ₹173.88 | x |
| 2021-03-31 | ₹100.65 | ₹173.88 | x |
| 2022-03-31 | ₹104.63 | ₹173.88 | x |
| 2023-03-31 | ₹115.30 | ₹173.88 | x |
| 2024-03-31 | ₹135.46 | ₹173.88 | x |
| 2025-03-31 | ₹158.03 | ₹173.88 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Union Bank of India utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.84%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.86%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 13.28x
- Recent ROE (15.84%) is above the historical average (8.99%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 19.89% | 25.40% | 0.04x | 20.03x | ₹3.58 Billion |
| 2006 | 14.81% | 22.51% | 0.03x | 19.55x | ₹2.19 Billion |
| 2007 | 16.29% | 24.32% | 0.03x | 19.78x | ₹3.26 Billion |
| 2008 | 18.88% | 33.24% | 0.03x | 16.89x | ₹6.52 Billion |
| 2009 | 19.75% | 32.60% | 0.03x | 18.42x | ₹8.53 Billion |
| 2010 | 19.91% | 33.64% | 0.03x | 18.72x | ₹10.33 Billion |
| 2011 | 17.00% | 26.60% | 0.03x | 18.29x | ₹9.06 Billion |
| 2012 | 11.99% | 19.18% | 0.04x | 17.83x | ₹2.94 Billion |
| 2013 | 12.38% | 20.62% | 0.03x | 17.95x | ₹4.14 Billion |
| 2014 | 8.94% | 15.15% | 0.03x | 18.94x | ₹-1.98 Billion |
| 2015 | 8.85% | 14.11% | 0.03x | 19.28x | ₹-2.29 Billion |
| 2016 | 5.89% | 10.98% | 0.03x | 17.67x | ₹-9.48 Billion |
| 2017 | 2.37% | 3.96% | 0.03x | 18.90x | ₹-18.39 Billion |
| 2018 | -20.64% | -34.86% | 0.03x | 19.45x | ₹-77.38 Billion |
| 2019 | -10.89% | -18.91% | 0.03x | 18.58x | ₹-56.06 Billion |
| 2020 | -9.18% | -18.29% | 0.03x | 16.34x | ₹-65.20 Billion |
| 2021 | 4.42% | 3.44% | 0.08x | 16.72x | ₹-36.10 Billion |
| 2022 | 7.43% | 6.44% | 0.07x | 16.85x | ₹-18.21 Billion |
| 2023 | 10.80% | 8.94% | 0.07x | 16.35x | ₹6.31 Billion |
| 2024 | 14.14% | 11.64% | 0.08x | 14.37x | ₹40.37 Billion |
| 2025 | 15.84% | 13.86% | 0.09x | 13.28x | ₹66.44 Billion |
Industry Comparison
This section compares Union Bank of India's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Union Bank of India (UNIONBANK) | ₹1.26 Trillion | 19.89% | 10.84x | $3.87 Billion |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |