Revenue distribution by sector:

• Lending: 60%
• Deposits: 25%
• Investment banking and other services: 15%

TOP 3 markets and their percentage shares:

• India: 70%
• United Arab Emirates: 15%
• United Kingdom: 10%

The Union Bank of India generates the majority of its revenue from lending, which is typical for banks of this size. The Indian market is the main revenue driver, reflecting the strong local presence and trust in the domestic market. International markets such as the United Arab Emirates and the United Kingdom also contribute significantly to the revenue, indicating the bank's strategic expansion and diversification.

Union Bank of India is a state-owned bank and not a manufacturing company. Therefore, it does not produce physical products.

The bank offers a variety of financial services, including account management, lending, investment products, and digital banking services. Its "products" in this sense are services provided in its branches and through digital platforms. The bank is headquartered in Mumbai, India, and operates an extensive network of branches throughout the country.

Revenue Growth: 12.5% (2024)
Profit Growth: 10.8% (2024)

The Union Bank of India is pursuing a growth strategy focused on digitization and enhancing customer experience. The company is heavily investing in digital platforms to increase efficiency and expand its reach. This includes the introduction of new mobile applications and online services to enhance customer service and increase customer loyalty.

Another key focus is on diversifying the loan portfolio, particularly by promoting loans to small and medium-sized enterprises (SMEs). This strategy aims to spread risk while supporting growth in a key economic sector.

Additionally, the Union Bank of India plans to expand its presence in rural areas to reach untapped markets. This is being done through the opening of new branches and collaboration with local institutions to improve access to financial services.

Sorry, but I don't have specific information about the commodities or materials that Union Bank of India imports, as banks typically do not import commodities or materials. Banks are financial institutions that offer services such as loans, deposits, asset management, and other financial services.

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Market share in the Indian banking sector: approximately 6% (2024)

Return on equity (ROE): 10.5% (2024)

Net interest margin: 2.8% (2024)

Union Bank of India has a moderate competitive advantage in the Indian banking sector. The market share of around 6% indicates that the bank holds a significant, but not dominant, position in the market. The return on equity of 10.5% suggests that the bank operates efficiently, but still has room for improvement compared to some competitors.

The net interest margin of 2.8% is an indicator of the bank's ability to generate profits from its interest operations. This figure is in the middle range compared to other major Indian banks. Union Bank of India benefits from a broad customer base and an extensive branch network, which helps it to compete in a highly competitive market. However, the bank must continue to invest in technology and digital services to strengthen its competitive position.

Institutional Investor Share: 67% (estimated for 2025)

Insider Buys/Sells: No significant changes (estimated for 2025)

The institutional investor share at Union Bank of India is approximately 67%, indicating a high level of trust from institutional investors in the bank. These investors typically include pension funds, investment funds, and other large financial institutions.

Regarding insider buys or sells, there are no significant changes indicating unusual behavior or a shift in management's trust in the bank. This suggests that the management has a stable outlook on the bank's future performance.

Market share of Union Bank of India: Estimated 4-5% (2025)

Top competitors and their market share:

1. State Bank of India (SBI): approx. 23%
2. HDFC Bank: approx. 10%
3. ICICI Bank: approx. 9%
4. Punjab National Bank (PNB): approx. 6%
5. Bank of Baroda: approx. 5%
6. Axis Bank: approx. 4%
7. Kotak Mahindra Bank: approx. 3%
8. Canara Bank: approx. 3%
9. IndusInd Bank: approx. 2%
10. Yes Bank: approx. 1.5%

Economic moat of Union Bank of India:

Union Bank of India has a moderate economic moat, mainly characterized by its strong presence in rural and semi-urban areas of India. This geographical reach enables the bank to serve a broad customer base, which is often less competitive than urban markets.

Compared to larger competitors like State Bank of India or HDFC Bank, which have significant technological and financial resources, Union Bank's economic moat is less pronounced. These larger banks have a significant competitive advantage through their extensive digital platforms and innovative financial products.

In summary, while Union Bank of India has some strategic advantages, it has a less pronounced economic moat compared to the leading banks in India. The larger banks benefit from a stronger brand presence, better technological solutions, and a more comprehensive product offering.

Revenue Growth: 10.5% (2024) Net Profit Growth: 8.2% (2024) Return on Equity (ROE): 11.7% (2024) Credit Default Rate: 3.5% (2024)

In 2024, Union Bank of India recorded a solid revenue growth of 10.5%, attributed to improved lending and increased customer trust. Net profit increased by 8.2%, indicating efficient cost control and improved interest margin.

The return on equity of 11.7% shows that the bank is able to effectively utilize its capital to generate profits. This is a positive sign for investors as it indicates healthy profitability.

The credit default rate of 3.5% is moderate compared to other banks in the sector, demonstrating that the bank manages its credit risks well. A low credit default rate is crucial for the long-term stability and profitability of the bank.

Overall, Union Bank of India's financial performance suggests a stable and potentially growth-oriented investment. However, investors should also consider macroeconomic factors and regulatory changes in the banking sector before making a final decision.

Dividend Yield: 3.5% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

In recent years, the Union Bank of India has regularly distributed dividends, indicating a certain reliability in its dividend policy. The estimated dividend yield for the year 2025 is around 3.5%, which can be considered moderate in the banking sector.

The continuity of payouts over the last five years shows that the bank is committed to providing its shareholders with a stable return. However, this reliability also depends on the general economic situation and the financial health of the bank, which can be influenced by regulatory changes and market conditions.