Highlights

• Union Bank shares touched a 52-week high of ₹167.30 on 6 January 2025 before declining to ₹161.88.
• Gross advances increased 7.13% year-on-year as of 31 December 2025, with domestic advances rising 7.42%.
• RAM (Retail, Agriculture, MSME) domestic advances expanded 11.49% year-on-year during the same period.

Union Bank (NSE:UNIONBANK) shares witnessed recent volatility after touching a new 52-week high earlier this month. The stock, which reached ₹167.30 on 6 January 2025, declined by 2.68% to ₹161.88 in the latest trading session. Despite the decline, the stock has gained 4.56% over the past five days and is up 45.07% over the last one year. The movement comes shortly after the bank released its business update for the quarter ended 31 December 2025.

Gross Advances Record Year-on-Year Increase

On 2 January 2025, the company released its business performance figures as of 31 December 2025. Total global gross advances stood at ₹10,16,805 crore, compared with ₹9,49,164 crore in the same period last year. This represents a year-on-year increase of 7.13% and a quarter-on-quarter growth of 4.27%.

Domestic advances rose to ₹9,80,643 crore as of 31 December 2025, up from ₹9,12,927 crore a year earlier. This translated into a year-on-year growth of 7.42% and a sequential increase of 4.07%.

Deposits and CASA Position

Global deposits were reported at ₹12,22,856 crore as of 31 December 2025, compared with ₹11,83,065 crore in the corresponding period last year, reflecting a year-on-year rise of 3.36%. On a quarter-on-quarter basis, deposits declined by 0.95%.

Domestic deposits stood at ₹12,22,260 crore, showing a year-on-year increase of 3.35%. CASA deposits within the domestic segment increased to ₹4,15,001 crore, up 4.99% year-on-year. The CASA ratio improved to 33.95%, compared with 33.42% in the previous year.

RAM Advances and Credit-Deposit Ratio

Domestic RAM advances reached ₹5,77,006 crore as of 31 December 2025, compared with ₹5,17,533 crore in the previous year. This marked an 11.49% year-on-year increase and a 4.10% quarter-on-quarter rise.

The domestic credit-deposit ratio, excluding bank deposits, stood at 80.94%, compared with 77.34% a year earlier, indicating an increase of 360 basis points on a year-on-year basis.