City Union Bank Ltd. Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

6,869.76

5,834.04

5,270.57

4,714.34

4,104.78

4,134.68

4,168.60

Income On Investments

1,179.10

1,073.35

958.89

835.14

630.51

582.81

609.92

Interest On Balances With Rbi Other Inter Bank Funds

109.20

80.11

154.22

75.00

15.97

37.48

54.81

Interest / Discount On Advances / Bills

5,572.06

4,672.14

4,153.38

3,800.90

3,453.99

3,507.81

3,494.58

Others

9.39

8.44

4.08

3.30

4.32

6.59

9.30

Other Income

1,038.83

898.06

741.66

810.36

759.08

688.77

679.95

Total Income

7,908.59

6,732.10

6,012.22

5,524.70

4,863.86

4,823.45

4,848.55

Interest Expended

4,039.92

3,518.33

3,147.10

2,551.54

2,188.29

2,305.02

2,493.41

Net Interest Income

2,829.84

2,315.71

2,123.47

2,162.80

1,916.49

1,829.66

1,675.19

Total Expenditure (Excl Depreciation)

1,854.43

1,535.15

1,348.39

1,155.18

1,080.26

1,050.59

1,013.74

Employee Cost

889.79

733.00

613.81

530.37

503.60

463.72

420.65

Other Operating Expenses

964.64

802.15

734.58

624.81

576.66

586.87

593.09

Operating Profit Before Provisions and Contingencies

2,014.23

1,678.63

1,516.73

1,817.98

1,595.31

1,467.84

1,341.40

Exceptional Items

0.00

Provisions and contingencies

343.00

262.00

286.00

640.50

610.15

775.02

755.08

Profit Before Tax

1,671.23

1,416.63

1,230.73

1,177.48

985.17

692.82

586.32

Tax

345.00

293.00

215.00

240.00

225.00

100.00

110.00

Profit After Tax

1,326.23

1,123.63

1,015.73

937.48

760.17

592.82

476.32

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,326.23

1,123.63

1,015.73

937.48

760.17

592.82

476.32

Face Value

1.0

Reserves

10,490.56

9,392.52

8,327.36

7,383.17

6,511.75

5,768.59

5,222.34

Earnings per share (EPS)

17.85

15.16

13.71

12.66

10.28

8.02

6.46

Diluted Earnings per share

17.83

15.07

13.62

12.57

10.18

7.97

6.41

Operating Profit Margin (Excl OI)

68.01%

69.2%

68.99%

61.91%

58.82%

55.85%

57.57%

Gross Profit Margin

24.33%

24.28%

23.35%

24.98%

24.0%

16.76%

14.07%

PAT Margin

19.31%

19.26%

19.27%

19.89%

18.52%

14.34%

11.43%

Net Interest Margin

3.74%

3.6%

3.65%

3.89%

3.98%

4.0%

3.98%

Return on Assets

0.0%

CASA (%)

0.0%

31.0%

29.88%

32.56%

29.15%

24.97%

CASA Amount

21,644.10

18,118.90

17,050.20

15,656.90

15,529.40

12,981.40

10,197.00

Capital Adequacy Ratio (Total)

21.92%

23.75%

23.73%

22.34%

20.85%

19.52%

16.76%

Capital Adequacy Ratio (Tier 1)

20.82%

22.7%

22.69%

21.27%

19.78%

18.45%

15.8%

Provision Coverage Ratio (%)

84.0%

78.0%

72.0%

69.0%

64.0%

65.0%

Amount of Gross NPAs

1,273.08

1,638.17

1,854.43

1,920.16

1,933.18

1,893.19

1,413.40

Amount of Net NPAs

449.42

653.07

898.68

1,017.64

1,191.10

1,075.19

778.49

% of Net NPAs

0.68%

1.25%

1.97%

2.36%

2.95%

2.97%

2.29%

% of Gross NPAs

1.91%

3.09%

3.99%

4.37%

4.7%

5.11%

4.09%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1764.0

1736.0

1677.0

1678.0

1732.0

1724.0

1793.0

Number of Branches

949.0

875.0

800.0

752.0

727.0

702.0

700.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 17.75% vs 10.69% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 18.03% vs 10.62% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 19.99% vs 10.67% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.57% vs -0.72% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -1.18% vs -0.90% in Mar 2025

Compare Annual Results Of City Union Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

6,869.76

14,335.55

-7,465.79

-52.08%

Income On Investments

1,179.10

2,145.44

-966.34

-45.04%

Interest On Balances With Rbi Other Inter Bank Funds

109.20

322.71

-213.51

-66.16%

Interest / Discount On Advances / Bills

5,572.06

11,659.95

-6,087.89

-52.21%

Others

9.39

207.45

-198.06

-95.47%

Other Income

1,038.83

4,121.40

-3,082.57

-74.79%

Total Income

7,908.59

18,456.95

-10,548.36

-57.15%

Interest Expended

4,039.92

7,976.01

-3,936.09

-49.35%

Net Interest Income

2,829.84

6,359.54

-3,529.70

-55.5%

Total Expenditure (Excl Depreciation)

1,854.43

7,181.79

-5,327.36

-74.18%

Employee Cost

889.79

1,944.06

-1,054.27

-54.23%

Other Operating Expenses

964.64

5,237.73

-4,273.09

-81.58%

Operating Profit Before Provisions and Contingencies

2,014.23

3,299.15

-1,284.92

-38.95%

Exceptional Items

0.00

Provisions and contingencies

343.00

2,259.61

-1,916.61

-84.82%

Profit Before Tax

1,671.23

1,039.54

631.69

60.77%

Tax

345.00

217.10

127.90

58.91%

Profit After Tax

1,326.23

822.44

503.79

61.26%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,326.23

822.44

503.79

61.26%

Face Value

1.00

10.00

0.00

Reserves

10,490.56

15,986.31

-5,495.75

-34.38%

Earnings per share (EPS)

17.85

13.31

4.54

34.11%

Diluted Earnings per share

17.83

13.18

4.65

35.28%

Operating Profit Margin (Excl OI)

68.01%

34.14%

0.00

33.87%

Gross Profit Margin

24.33%

7.25%

0.00

17.08%

PAT Margin

19.31%

5.74%

0.00

13.57%

Net Interest Margin

3.74%

4.51%

-0.77

-0.77%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

33.60%

-33.60

-33.60%

CASA Amount

21,644.10

46,723.00

-25,078.90

-53.68%

Capital Adequacy Ratio (Total)

21.92%

14.25%

7.67

7.67%

Capital Adequacy Ratio (Tier 1)

20.82%

12.77%

8.05

8.05%

Provision Coverage Ratio (%)

84.00%

73.57%

10.43

10.43%

Amount of Gross NPAs

1,273.08

1,674.95

-401.87

-23.99%

Amount of Net NPAs

449.42

442.73

6.69

1.51%

% of Net NPAs

0.68%

0.39%

0.29

0.29%

% of Gross NPAs

1.91%

1.45%

0.46

0.46%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,764.00

415.00

1,349.00

325.06%

Number of Branches

949.00

603.00

346.00

57.38%

Annual - Interest Earned

Interest Earned 6869.76 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 17.75% vs 10.69% in Mar 2025

Annual - Net Profit

Net Profit 1,326.23 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 18.03% vs 10.62% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,014.23 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 19.99% vs 10.67% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.68%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.57% vs -0.72% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.91%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -1.18% vs -0.90% in Mar 2025