Union Bank of India (UNIONBANK) - Net Assets

Latest as of September 2025: Rs1.26 Trillion INR ≈ $13.62 Billion USD

Based on the latest financial reports, Union Bank of India (UNIONBANK) has net assets worth Rs1.26 Trillion INR (≈ $13.62 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs14.90 Trillion ≈ $161.17 Billion USD) and total liabilities (Rs13.64 Trillion ≈ $147.56 Billion USD). 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. Check how resilient are Union Bank of India's assets to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets Rs1.26 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. Also explore total assets of Union Bank of India for the complete picture of this company's asset base.

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. For live valuation and market cap data, see UNIONBANK company net worth.

Year Net Assets Change
2025-03-31 Rs1.14 Trillion
≈ $12.31 Billion		 +16.64%
2024-03-31 Rs975.98 Billion
≈ $10.55 Billion		 +23.85%
2023-03-31 Rs788.04 Billion
≈ $8.52 Billion		 +11.21%
2022-03-31 Rs708.61 Billion
≈ $7.66 Billion		 +9.46%
2021-03-31 Rs647.38 Billion
≈ $7.00 Billion		 +90.46%
2020-03-31 Rs339.89 Billion
≈ $3.68 Billion		 +26.66%
2019-03-31 Rs268.36 Billion
≈ $2.90 Billion		 +6.27%
2018-03-31 Rs252.52 Billion
≈ $2.73 Billion		 +4.73%
2017-03-31 Rs241.12 Billion
≈ $2.61 Billion		 +4.62%
2016-03-31 Rs230.48 Billion
≈ $2.49 Billion		 +15.77%
2015-03-31 Rs199.08 Billion
≈ $2.15 Billion		 +6.09%
2014-03-31 Rs187.64 Billion
≈ $2.03 Billion		 +7.47%
2013-03-31 Rs174.60 Billion
≈ $1.89 Billion		 +17.82%
2012-03-31 Rs148.19 Billion
≈ $1.60 Billion		 +14.12%
2011-03-31 Rs129.85 Billion
≈ $1.40 Billion		 +24.57%
2010-03-31 Rs104.24 Billion
≈ $1.13 Billion		 +19.26%
2009-03-31 Rs87.40 Billion
≈ $945.24 Million		 +18.95%
2008-03-31 Rs73.48 Billion
≈ $794.63 Million		 +41.58%
2007-03-31 Rs51.90 Billion
≈ $561.26 Million		 +13.86%
2006-03-31 Rs45.58 Billion
≈ $492.95 Million		 +26.11%
2005-03-31 Rs36.14 Billion
≈ $390.89 Million		 --

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 Rs656.32 Billion 57.66%
Common Stock Rs76.34 Billion 6.71%
Other Comprehensive Income Rs147.36 Billion 12.95%
Other Components Rs258.32 Billion 22.69%
Total Equity Rs1.14 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
SK Telecom Co Ltd ADR
NYSE:SKM
 $13.71 Billion
SK Telecom Co Ltd
KO:017670
 $13.73 Billion
Wistron Corp
TW:3231
 $13.73 Billion
Host Hotels & Resorts Inc
NASDAQ:HST
 $13.73 Billion
HDFC Life Insurance Company Limited
NSE:HDFCLIFE
 $13.69 Billion
LTIMindtree Limited
NSE:LTM
 $13.69 Billion
Reinsurance Group of America
NYSE:RGA
 $13.66 Billion
Gjensidige Forsikring ASA
OL:GJF
 $13.66 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 Rs180.27 Billion +15.84%
Dividends Paid Rs27.48 Billion -2.41%
Share Repurchases Rs1.33 Billion -0.12%
Share Issuances Rs1.33 Billion +0.12%
Other Comprehensive Income Rs16.18 Billion +1.42%
Other Changes Rs-6.60 Billion -0.58%
Total Change Rs- 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: 1.05x
  • 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 29.53x to 1.05x 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 Rs5.62 Rs165.94 x
2006-03-31 Rs7.09 Rs165.94 x
2007-03-31 Rs8.07 Rs165.94 x
2008-03-31 Rs11.42 Rs165.94 x
2009-03-31 Rs13.59 Rs165.94 x
2010-03-31 Rs16.21 Rs165.94 x
2011-03-31 Rs20.11 Rs165.94 x
2012-03-31 Rs22.98 Rs165.94 x
2013-03-31 Rs27.10 Rs165.94 x
2014-03-31 Rs29.14 Rs165.94 x
2015-03-31 Rs30.94 Rs165.94 x
2016-03-31 Rs348.26 Rs165.94 x
2017-03-31 Rs350.77 Rs165.94 x
2018-03-31 Rs334.20 Rs165.94 x
2019-03-31 Rs41.72 Rs165.94 x
2020-03-31 Rs52.84 Rs165.94 x
2021-03-31 Rs100.65 Rs165.94 x
2022-03-31 Rs104.63 Rs165.94 x
2023-03-31 Rs115.30 Rs165.94 x
2024-03-31 Rs135.46 Rs165.94 x
2025-03-31 Rs158.03 Rs165.94 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 Rs3.58 Billion
2006 14.81% 22.51% 0.03x 19.55x Rs2.19 Billion
2007 16.29% 24.32% 0.03x 19.78x Rs3.26 Billion
2008 18.88% 33.24% 0.03x 16.89x Rs6.52 Billion
2009 19.75% 32.60% 0.03x 18.42x Rs8.53 Billion
2010 19.91% 33.64% 0.03x 18.72x Rs10.33 Billion
2011 17.00% 26.60% 0.03x 18.29x Rs9.06 Billion
2012 11.99% 19.18% 0.04x 17.83x Rs2.94 Billion
2013 12.38% 20.62% 0.03x 17.95x Rs4.14 Billion
2014 8.94% 15.15% 0.03x 18.94x Rs-1.98 Billion
2015 8.85% 14.11% 0.03x 19.28x Rs-2.29 Billion
2016 5.89% 10.98% 0.03x 17.67x Rs-9.48 Billion
2017 2.37% 3.96% 0.03x 18.90x Rs-18.39 Billion
2018 -20.64% -34.86% 0.03x 19.45x Rs-77.38 Billion
2019 -10.89% -18.91% 0.03x 18.58x Rs-56.06 Billion
2020 -9.18% -18.29% 0.03x 16.34x Rs-65.20 Billion
2021 4.42% 3.44% 0.08x 16.72x Rs-36.10 Billion
2022 7.43% 6.44% 0.07x 16.85x Rs-18.21 Billion
2023 10.80% 8.94% 0.07x 16.35x Rs6.31 Billion
2024 14.14% 11.64% 0.08x 14.37x Rs40.37 Billion
2025 15.84% 13.86% 0.09x 13.28x Rs66.44 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: $108,245,704,600
  • Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Union Bank of India (UNIONBANK) Rs1.26 Trillion 19.89% 10.84x $13.70 Billion
AU Small Finance Bank Limited (AUBANK) $62.75 Billion 18.66% 7.22x $8.21 Billion
Bandhan Bank Limited (BANDHANBNK) $216.10 Billion 10.32% 7.23x $3.48 Billion
Bank of Baroda (BANKBARODA) $133.71 Billion 17.83% 16.32x $14.73 Billion
Bank of India (BANKINDIA) $245.44 Billion 28.81% 17.60x $6.89 Billion
Canara Bank (CANBK) $254.09 Billion 11.69% 15.50x $13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB) $1.15 Billion 11.96% 16.87x $136.92 Million
Central Bank of India (CENTRALBK) $110.28 Billion 11.92% 18.04x $3.57 Billion
CSB Bank Limited (CSBBANK) $8.88 Billion -5.98% 16.74x $699.76 Million
City Union Bank Limited (CUB) $48.41 Billion 14.11% 8.35x $2.17 Billion
DCB Bank Limited (DCBBANK) $1.64 Billion -51.93% 21.79x $649.92 Million

About Union Bank of India

NSE:UNIONBANK India Banks - Regional
Market Cap
$13.70 Billion
Rs1.27 Trillion INR
Market Cap Rank
#1733 Global
#61 in India
Share Price
Rs165.94
Change (1 day)
-0.82%
52-Week Range
Rs115.58 - Rs202.27
All Time High
Rs202.27
Categories
Companies in India Banks - Regional Banking & Financial
About

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