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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Union Bank of India
Union Bank of India (UNIONBANK) investor relations material
Union Bank of India Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary19 Oct, 2026
Executive summary
Q2 FY27 standalone net profit was ₹5,53,720 lakh, up 30.31% YoY; consolidated net profit was ₹5,78,100 lakh.
Global business reached ₹24,75,330 crore, up 12.01% YoY; advances grew 18.53% and deposits 6.87%.
Financial highlights
Q2 standalone operating profit was ₹8,10,760 lakh, up YoY from ₹6,81,395 lakh; profit before tax was ₹7,40,685 lakh.
Q2 net interest income rose 20.09% YoY to ₹10,583 crore; core income grew 22.90%, while treasury income fell 45%-46%.
Q2 interest income increased 7.51% YoY to ₹28,158 crore; interest expense rose 1.14% to ₹17,576 crore, while non-interest income declined 6.90% to ₹4,651 crore.
H1 FY27 net profit was ₹10,870 crore, up 29.95%; operating profit rose 17.39% to ₹16,110 crore and NII increased 15.03% to ₹20,620 crore.
Deposit growth was 6.88% YoY; combined CASA and retail term deposits rose ₹1.11 lakh crore, up 11.41%.
Outlook and guidance
Advances growth is expected to track system credit growth; management aims to defend or improve NIM, ROA and efficiency levels.
Management expects the rate-hike cycle to support NIM and ROA; 53%-55% of the book is repo-linked.
RPA coverage is near 100 processes, targeted at nearly 200 by March 2027 and 400-500 by March 2028.
More than ₹1 lakh crore of sanctioned large-corporate infrastructure pipeline is expected to disburse over 18 months; ₹1.20-1.25 lakh crore of sanctions await disbursement.
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Latest events from Union Bank of India
- Loss narrowed and NII grew, but asset quality and profitability remained strained.UNIONBANK
Q4 18/19 - Deposit growth and capital strength contrasted with lower profit and rising NPAs.UNIONBANKQ4 98/99
- Profit rose 76.11% as lending grew and net NPA ratio improved to 4.91%.UNIONBANKQ4 02/03
- Profit rose 28.75% as lending grew and net NPAs fell to 2.87%.UNIONBANKQ4 03/04
- Profit rose 80%; asset quality improved, with FY23 deposit growth targeted at ~10%.UNIONBANKQ4 21/22
- Business crossed Rs.1 lakh crore as loan growth met a heavy securities valuation charge.UNIONBANKQ4 04/05
- Profit rose 25.19% as lending growth and NPA recovery strengthened performance.UNIONBANKQ4 06/07
- Profit grew 20.76%, but rising funding costs compressed NIM and restructured assets remain a watchpoint.UNIONBANKQ4 12/13
- Rapid credit growth and stronger capital, but lower profit and elevated provisions.UNIONBANKQ4 99/00
- Profit rose to Rs.155 crore as business topped Rs.53,000 crore, despite higher gross NPAs.UNIONBANKQ4 00/01
Next Union Bank of India earnings date
Q3 26/2731 Jan, 2027
Union Bank of India
Next Union Bank of India earnings date
Q3 26/2731 Jan, 2027
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