Ratnakar Securities

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Profit & Loss

UNION BANK OF INDIA

NSE : UNIONBANKBSE : 532477ISIN CODE : INE692A01016Industry : Bank - PublicHouse : PSU
BSE117.65-3.2 (-2.65 %)
PREV CLOSE ( ) 120.85
OPEN PRICE ( ) 120.85
BID PRICE (QTY) 117.65 (739)
OFFER PRICE (QTY) 117.80 (859)
VOLUME 387915
TODAY'S LOW / HIGH ( )115.60 121.45
52 WK LOW / HIGH ( )100.75 172.45
Select year
(Rs.in Million)
Particulars
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
I. INCOME
  
  
  
  
  
Interest Earned
1003755.71
811631.82
682296.57
693114.56
374792.19
     Interest / Discount on advances / Bills
721562.94
568745.75
452933.29
458344.67
251529.34
     Interest on balances with RBI and other Inter-bank funds
48908.92
21317.91
21439.54
16106.39
12056.37
     Income on investments
228290.42
216356.46
201594.68
210354.16
107357.71
     Others
4993.42
5211.70
6329.06
8309.35
3848.77
Other Income
178127.88
159153.53
135244.13
143067.23
57892.73
     Commission,exchange and brokerage
23413.73
21870.99
17190.49
12160.23
5457.36
     Profit / (loss)on sale of investments(net)
17915.61
8624.18
35244.50
43296.43
14200.37
     Profit on sale of Fixed Assets
21.69
-14.86
-3.49
205.85
-39.45
     Foreign Exchange Gains
9190.01
8133.57
6083.68
4340.88
5570.19
     Income earned from subsidiaries/joint venture
     Rent / Lease Income
     Provisions Written Back
     Miscellaneous income
127586.84
120539.65
76728.95
83063.85
32704.26
Total Income
1181883.59
970785.35
817540.70
836181.79
432684.91
II. EXPENDITURE
Interest Expended
633637.02
480328.45
401784.65
441123.99
258368.11
     Intereston Deposits
586299.27
443831.97
374718.77
408359.05
240491.50
     Interest on RBI / inter-bank borrowings
29897.03
18504.01
10560.98
14923.54
8440.29
     Other Interest
17440.72
17992.48
16504.91
17841.40
9436.33
Operating Expenses
265058.27
234873.03
197026.12
197515.21
81878.75
     Payments to and provisions for employees
145932.29
125240.04
102636.66
94910.22
34638.51
     Rent,Taxes and lighting
11042.76
10823.28
10829.33
11206.35
6289.26
     Depreciation on Banks property
8959.33
7445.67
7448.15
9081.50
4171.98
     Depreciation on leased assets
     Auditor's fees and expenses
694.96
744.95
670.85
1094.89
411.31
     Law charges
1857.13
1737.12
1525.87
1366.14
690.23
     Communication Expenses
3988.33
3223.48
3125.47
2336.29
1576.96
     Repairs and Maintenance
3546.83
3733.26
3375.67
3662.62
1268.09
     Insurance
12635.11
13750.45
11658.85
12098.69
5609.56
     Other expenses
76401.53
68174.78
55755.27
61758.51
27222.86
Provisions and Contingencies
68106.02
134118.44
133066.52
174270.80
133950.24
     Provision for investments
-3552.00
19155.30
2004.80
4320.90
3723.70
     Provision for advances
71108.00
115184.00
133827.90
149800.80
99704.80
     Others Provisions
550.02
-220.86
-2766.18
20149.10
30521.74
Profit Before Tax
215082.29
121465.43
85663.42
23271.79
-41512.20
Taxes
77992.80
37162.00
33578.40
-5008.40
-11103.90
     Current Income Tax
77992.80
37162.00
33578.40
-5008.40
-11103.90
     Deferred Tax
     Other taxes
0.00
0.00
0.00
0.00
0.00
Profit After Tax
137089.49
84303.43
52085.02
28280.19
-30408.30
Extra items
0.00
0.00
0.00
0.00
0.00
Minority Interest
Share of Associate
881.70
813.20
568.19
353.80
-800.59
Other Consolidated Items
Consolidated Net Profit
137971.19
85116.64
52653.21
28633.99
-31208.89
Adjustments to PAT
IV. APPROPRIATIONS
143803.23
85116.64
52653.24
28634.02
-115210.97
     Transfer to Statutory Reserve
34285.27
21083.19
13193.99
7335.68
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
66081.02
34814.63
2471.84
-496.43
-2223.00
     Appropriation to Other Reserves
     Equity Dividend
27480.98
20504.31
12986.02
     Corporate dividend tax
     Other appropriations
15955.96
8714.50
24001.39
21794.77
-112987.97
Equity Dividend %
36.00
30.00
19.00
Earnings Per Share
18.07
12.45
7.70
4.47
-9.12
Adjusted EPS
18.07
12.45
7.70
4.47
-9.12
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 & NCDEX : 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.