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Union Bank of India slips as RBI detects higher NPA divergence during FY 2019

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Capital Market
Last Updated : Nov 21 2019 | 12:50 PM IST

Union Bank of India fell 0.17% to Rs 58.25 after the PSU bank under-reported bad loans by Rs 588.95 crore in the year ended 31 March 2019.

The divergence is the difference in bad loans reported by the bank and the assessment done by RBI. Union Bank of India had reported a net loss of Rs 2,947.44 crore in the year ended March 2019. The adjusted (notional) net loss for the year ended 31 March 2019 after taking into account the divergence in provisioning was at Rs 3,978.37 crore.

According to recent guidelines by the Securities and Exchange Board of India (Sebi), banks are now required to disclose divergence in the asset classification and provisioning immediately upon receipt of RBI's final Risk Assessment Report (RAR).

For the year ended March 2019, the gross non-performing assets (NPAs) assessed by RBI was at Rs 49,318.10 crore compared with Rs 48,729.14 crore in gross NPA reported by the bank.

The bank had reported Rs 20,332.41 crore net NPAs during the year while the RBI assessed it at Rs 20,921.37 crore, leaving a gap of Rs 588.95 crore. The divergence in provisioning also increased by Rs 1,587.66 crore for the fiscal ended March 2019. The announcement was made after trading hours yesterday, 20 November 2019.

Shares of Union Bank of India lost 1.27% in two trading sessions to its current market price of Rs 58.25, from its recent closing high of Rs 59 on Tuesday, 19 November 2019. The stock was trading in the range of Rs 57.80 to Rs 59.05 so far during the day.

Meanwhile, the S&P BSE Sensex was down 79 points or 0.19% to 40,573.11.

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Union Bank of India reported a net loss of Rs 1,193.61 crore in Q2 September 2019 compared with a net profit of Rs 139.03 crore in Q2 September 2018. Total income rose 11.8% to Rs 10,556.57 crore in Q2 September 2019 over Q2 September 2018.

As of 30 September 2019, the Government of India held 130.94 crore equity shares or, 74.28% stake in the bank.

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First Published: Nov 21 2019 | 12:11 PM IST

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