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City Union Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE491A01021
  • NSEID: CUB
  • BSEID: 532210
INR
271.15
1.5 (0.56%)
BSENSE

Dec 05

BSE+NSE Vol: 23.81 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
5,834.04
5,270.57
4,714.34
4,104.78
4,134.68
4,168.60
3,767.17
Income On Investments
1,073.35
958.89
835.14
630.51
582.81
609.92
553.60
Interest On Balances With Rbi Other Inter Bank Funds
80.11
154.22
75.00
15.97
37.48
54.81
23.31
Interest / Discount On Advances / Bills
4,672.14
4,153.38
3,800.90
3,453.99
3,507.81
3,494.58
3,177.66
Others
8.44
4.08
3.30
4.32
6.59
9.30
12.60
Other Income
898.06
741.66
810.36
759.08
688.77
679.95
514.39
Total Income
6,732.10
6,012.22
5,524.70
4,863.86
4,823.45
4,848.55
4,281.56
Interest Expended
3,518.33
3,147.10
2,551.54
2,188.29
2,305.02
2,493.41
2,155.68
Net Interest Income
2,315.71
2,123.47
2,162.80
1,916.49
1,829.66
1,675.19
1,611.49
Total Expenditure (Excl Depreciation)
1,535.15
1,348.39
1,155.18
1,080.26
1,050.59
1,013.74
885.89
Employee Cost
733.00
613.81
530.37
503.60
463.72
420.65
364.44
Other Operating Expenses
802.15
734.58
624.81
576.66
586.87
593.09
521.45
Operating Profit Before Provisions and Contingencies
1,678.63
1,516.73
1,817.98
1,595.31
1,467.84
1,341.40
1,239.99
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
262.00
286.00
640.50
610.15
775.02
755.08
315.14
Profit Before Tax
1,416.63
1,230.73
1,177.48
985.17
692.82
586.32
924.85
Tax
293.00
215.00
240.00
225.00
100.00
110.00
242.00
Profit After Tax
1,123.63
1,015.73
937.48
760.17
592.82
476.32
682.85
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,123.63
1,015.73
937.48
760.17
592.82
476.32
682.85
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
9,392.52
8,327.36
7,383.17
6,511.75
5,768.59
5,222.34
4,767.31
Earnings per share (EPS)
15.16
13.71
12.66
10.28
8.02
6.46
9.3
Diluted Earnings per share
15.07
13.62
12.57
10.18
7.97
6.41
9.49
Operating Profit Margin (Excl OI)
69.2%
68.99%
61.91%
58.82%
55.85%
57.57%
68.12%
Gross Profit Margin
24.28%
23.35%
24.98%
24.0%
16.76%
14.07%
24.55%
PAT Margin
19.26%
19.27%
19.89%
18.52%
14.34%
11.43%
18.13%
Net Interest Margin
3.6%
3.65%
3.89%
3.98%
4.0%
3.98%
4.32%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
31.0%
29.88%
32.56%
29.15%
24.97%
25.22%
CASA Amount
18,118.90
17,050.20
15,656.90
15,529.40
12,981.40
10,197.00
9,698.20
Capital Adequacy Ratio (Total)
23.75%
23.73%
22.34%
20.85%
19.52%
16.76%
15.55%
Capital Adequacy Ratio (Tier 1)
22.7%
22.69%
21.27%
19.78%
18.45%
15.8%
15.03%
Provision Coverage Ratio (%)
78.0%
72.0%
69.0%
64.0%
64.0%
65.0%
63.0%
Amount of Gross NPAs
1,638.17
1,854.43
1,920.16
1,933.18
1,893.19
1,413.40
977.05
Amount of Net NPAs
653.07
898.68
1,017.64
1,191.10
1,075.19
778.49
591.46
% of Net NPAs
1.25%
1.97%
2.36%
2.95%
2.97%
2.29%
1.81%
% of Gross NPAs
3.09%
3.99%
4.37%
4.7%
5.11%
4.09%
2.95%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1736.0
1677.0
1678.0
1732.0
1724.0
1793.0
1685.0
Number of Branches
875.0
800.0
752.0
727.0
702.0
700.0
650.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 10.69% vs 11.8% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is 10.62% vs 8.35% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 10.67% vs -16.57% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.72% vs -0.39% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.90% vs -0.38% in Mar 2024

Compare Annual Results Of City Union Bank With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
5,834.04
21,948.23
-16,114.19
-73.42%
Income On Investments
1,073.35
2,181.87
-1,108.52
-50.81%
Interest On Balances With Rbi Other Inter Bank Funds
80.11
97.18
-17.07
-17.57%
Interest / Discount On Advances / Bills
4,672.14
19,367.46
-14,695.32
-75.88%
Others
8.44
301.72
-293.28
-97.2%
Other Income
898.06
2,966.60
-2,068.54
-69.73%
Total Income
6,732.10
24,914.83
-18,182.73
-72.98%
Interest Expended
3,518.33
10,457.65
-6,939.32
-66.36%
Net Interest Income
2,315.71
11,490.58
-9,174.87
-79.85%
Total Expenditure (Excl Depreciation)
1,535.15
7,068.50
-5,533.35
-78.28%
Employee Cost
733.00
4,360.98
-3,627.98
-83.19%
Other Operating Expenses
802.15
2,707.52
-1,905.37
-70.37%
Operating Profit Before Provisions and Contingencies
1,678.63
7,388.69
-5,710.06
-77.28%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
262.00
3,765.41
-3,503.41
-93.04%
Profit Before Tax
1,416.63
3,623.28
-2,206.65
-60.9%
Tax
293.00
877.98
-584.98
-66.63%
Profit After Tax
1,123.63
2,745.30
-1,621.67
-59.07%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,123.63
2,745.30
-1,621.67
-59.07%
Face Value
1.00
10.00
0.00
Reserves
9,392.52
22,748.13
-13,355.61
-58.71%
Earnings per share (EPS)
15.16
17.04
-1.88
-11.03%
Diluted Earnings per share
15.07
17.04
-1.97
-11.56%
Operating Profit Margin (Excl OI)
69.20%
50.64%
0.00
18.56%
Gross Profit Margin
24.28%
16.51%
0.00
7.77%
PAT Margin
19.26%
12.51%
0.00
6.75%
Net Interest Margin
3.60%
7.10%
-3.50
-3.50%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
0.00%
31.40%
-31.40
-31.40%
CASA Amount
18,118.90
47,440.00
-29,321.10
-61.81%
Capital Adequacy Ratio (Total)
23.75%
18.71%
5.04
5.04%
Capital Adequacy Ratio (Tier 1)
22.70%
17.90%
4.80
4.80%
Provision Coverage Ratio (%)
78.00%
73.70%
4.30
4.30%
Amount of Gross NPAs
1,638.17
6,435.56
-4,797.39
-74.55%
Amount of Net NPAs
653.07
1,692.85
-1,039.78
-61.42%
% of Net NPAs
1.25%
1.28%
-0.03
-0.03%
% of Gross NPAs
3.09%
4.71%
-1.62
-1.62%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,736.00
438.00
1,298.00
296.35%
Number of Branches
875.00
1,715.00
-840.00
-48.98%
Annual - Interest Earned
Interest Earned 5834.04 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 10.69% vs 11.8% in Mar 2024

Annual - Net Profit
Net Profit 1,123.63 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 10.62% vs 8.35% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,678.63 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 10.67% vs -16.57% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 1.25%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.72% vs -0.39% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 3.09%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is -0.90% vs -0.38% in Mar 2024

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