Ratnakar Securities

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Profit & Loss

UNION BANK OF INDIA

NSE : UNIONBANKBSE : 532477ISIN CODE : INE692A01016Industry : Bank - PublicHouse : PSU
BSE148.25-5.1 (-3.33 %)
PREV CLOSE ( ) 153.35
OPEN PRICE ( ) 152.20
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 611512
TODAY'S LOW / HIGH ( )146.50 153.50
52 WK LOW / HIGH ( )100.75 160.1
Select year
(Rs.in Million)
Particulars
Mar 2025
Mar 2024
Mar 2023
Mar 2022
Mar 2021
I. INCOME
  
  
  
  
  
Interest Earned
1084172.65
1003755.71
811631.82
682296.57
693114.56
     Interest / Discount on advances / Bills
792558.27
721562.94
568745.75
452933.29
458344.67
     Interest on balances with RBI and other Inter-bank funds
51247.89
48908.92
21317.91
21439.54
16106.39
     Income on investments
236307.86
228290.42
216356.46
201594.68
210354.16
     Others
4058.64
4993.42
5211.70
6329.06
8309.35
Other Income
215619.83
178127.88
159153.53
135244.13
143067.23
     Commission,exchange and brokerage
26494.75
23413.73
21870.99
17190.49
12160.23
     Profit / (loss)on sale of investments(net)
22323.61
17915.61
8624.18
35244.50
43296.43
     Profit on sale of Fixed Assets
22.12
21.69
-14.86
-3.49
205.85
     Foreign Exchange Gains
8259.54
9190.01
8133.57
6083.68
4340.88
     Income earned from subsidiaries/joint venture
     Rent / Lease Income
     Provisions Written Back
     Miscellaneous income
158519.82
127586.84
120539.65
76728.95
83063.85
Total Income
1299792.48
1181883.59
970785.35
817540.70
836181.79
II. EXPENDITURE
Interest Expended
707333.12
633637.02
480328.45
401784.65
441123.99
     Intereston Deposits
663746.13
586299.27
443831.97
374718.77
408359.05
     Interest on RBI / inter-bank borrowings
27539.51
29897.03
18504.01
10560.98
14923.54
     Other Interest
16047.47
17440.72
17992.48
16504.91
17841.40
Operating Expenses
280441.96
265058.27
234873.03
197026.12
197515.21
     Payments to and provisions for employees
149963.03
145932.29
125240.04
102636.66
94910.22
     Rent,Taxes and lighting
12008.09
11042.76
10823.28
10829.33
11206.35
     Depreciation on Banks property
10838.81
8959.33
7445.67
7448.15
9081.50
     Depreciation on leased assets
     Auditor's fees and expenses
709.58
694.96
744.95
670.85
1094.89
     Law charges
1892.97
1857.13
1737.12
1525.87
1366.14
     Communication Expenses
4291.76
3988.33
3223.48
3125.47
2336.29
     Repairs and Maintenance
4268.41
3546.83
3733.26
3375.67
3662.62
     Insurance
14163.93
12635.11
13750.45
11658.85
12098.69
     Other expenses
82305.39
76401.53
68174.78
55755.27
61758.51
Provisions and Contingencies
77778.68
68106.02
134118.44
133066.52
174270.80
     Provision for investments
-959.60
-3552.00
19155.30
2004.80
4320.90
     Provision for advances
75078.70
71108.00
115184.00
133827.90
149800.80
     Others Provisions
3659.58
550.02
-220.86
-2766.18
20149.10
Profit Before Tax
234238.72
215082.29
121465.43
85663.42
23271.79
Taxes
55027.10
77992.80
37162.00
33578.40
-5008.40
     Current Income Tax
55027.10
77992.80
37162.00
33578.40
-5008.40
     Deferred Tax
     Other taxes
0.00
0.00
0.00
0.00
0.00
Profit After Tax
179211.62
137089.49
84303.43
52085.02
28280.19
Extra items
0.00
0.00
0.00
0.00
0.00
Minority Interest
Share of Associate
1057.88
881.70
813.20
568.19
353.80
Other Consolidated Items
Consolidated Net Profit
180269.51
137971.19
85116.64
52653.21
28633.99
Adjustments to PAT
IV. APPROPRIATIONS
186101.55
143803.23
85116.64
52653.24
28634.02
     Transfer to Statutory Reserve
44967.87
34285.27
21083.19
13193.99
7335.68
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
88811.70
66081.02
34814.63
2471.84
-496.43
     Appropriation to Other Reserves
     Equity Dividend
36259.63
27480.98
20504.31
12986.02
     Corporate dividend tax
     Other appropriations
16062.36
15955.96
8714.50
24001.39
21794.77
Equity Dividend %
47.50
36.00
30.00
19.00
Earnings Per Share
23.62
18.07
12.45
7.70
4.47
Adjusted EPS
23.62
18.07
12.45
7.70
4.47
FAQs
079-49005200 / 01 / 02
info@ratnakarsecurities.com
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Ratnakar Securities Pvt. Ltd. : SEBI Registration No. of NSE, BSE : INZ000191735 | SEBI Registration No. of NSDL : IN-DP-NSDL-66-88
Ratnakar Commodities Pvt. Ltd : SEBI Registration No. of MCX : INZ000024138
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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
Source: SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.