How has been the historical performance of City Union Bank?

Answer:The historical performance of City Union Bank shows a consistent growth trend across various financial metrics over the years.

Breakdown:
City Union Bank's interest earned has increased from 4,104.78 Cr in Mar'22 to 5,834.04 Cr in Mar'25, reflecting a steady rise in income from investments and advances. The total income also rose significantly from 4,863.86 Cr in Mar'22 to 6,732.10 Cr in Mar'25. Net interest income followed a similar upward trajectory, reaching 2,315.71 Cr in Mar'25, up from 1,916.49 Cr in Mar'22. However, total expenditure, excluding depreciation, also increased from 1,080.26 Cr in Mar'22 to 1,535.15 Cr in Mar'25, driven by higher employee costs and operating expenses. Profit before tax improved from 985.17 Cr in Mar'22 to 1,416.63 Cr in Mar'25, while profit after tax rose from 760.17 Cr to 1,123.63 Cr in the same period. The bank's total assets grew from 61,530.91 Cr in Mar'22 to 77,623.22 Cr in Mar'25, with deposits also increasing significantly from 47,689.67 Cr to 63,525.95 Cr. Despite the growth in liabilities, the capital adequacy ratio remained strong at 23.75% in Mar'25. The bank's cash flow showed a decrease in cash and cash equivalents, closing at 5,290.00 Cr in Mar'25, down from 6,686.00 Cr in Mar'22, indicating fluctuations in cash management. Overall, City Union Bank has demonstrated robust growth in income and profitability, alongside a solid asset base, despite challenges in cash flow management.