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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-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
3,258.46
2,822.59
2,570.21
2,280.63
2,019.62
2,110.31
2,066.06
Income On Investments
573.97
533.08
460.62
402.86
290.45
292.24
301.32
Interest On Balances With Rbi Other Inter Bank Funds
55.00
54.71
71.35
18.94
7.69
23.45
29.36
Interest / Discount On Advances / Bills
2,621.98
2,229.94
2,036.91
1,857.08
1,719.19
1,791.00
1,730.38
Others
7.52
4.85
1.33
1.76
2.29
3.63
5.00
Other Income
503.01
418.45
373.55
391.00
398.40
329.91
358.27
Total Income
3,761.46
3,241.04
2,943.76
2,671.63
2,418.02
2,440.22
2,424.33
Interest Expended
1,966.63
1,694.93
1,509.25
1,187.81
1,093.76
1,198.21
1,237.63
Net Interest Income
1,291.83
1,127.66
1,060.96
1,092.82
925.86
912.10
828.43
Total Expenditure (Excl Depreciation)
873.32
744.44
633.64
580.22
536.14
501.31
488.82
Employee Cost
424.96
357.94
290.36
273.91
256.22
236.30
213.46
Other Operating Expenses
448.36
386.50
343.28
306.31
279.92
265.01
275.36
Operating Profit Before Provisions and Contingencies
921.51
801.67
800.88
903.60
788.12
740.70
697.88
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
127.00
109.00
208.00
257.00
318.03
334.00
223.70
Profit Before Tax
794.51
692.67
592.88
646.60
470.09
406.70
474.18
Tax
160.00
143.00
85.00
145.00
115.00
95.00
95.00
Profit After Tax
634.51
549.67
507.88
501.60
355.09
311.70
379.18
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
634.51
549.67
507.88
501.60
355.09
311.70
379.18
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
8.56
7.42
6.86
6.78
4.81
4.22
5.16
Diluted Earnings per share
8.51
7.37
6.8
6.71
4.75
1.19
5.09
Operating Profit Margin (Excl OI)
69.3%
69.76%
67.25%
63.29%
57.71%
60.42%
65.51%
Gross Profit Margin
24.38%
24.54%
23.07%
28.35%
23.28%
19.27%
22.95%
PAT Margin
19.47%
19.47%
19.76%
21.99%
17.58%
14.77%
18.35%
Net Interest Margin
0.0%
3.6%
3.7%
4.02%
3.95%
4.05%
4.01%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
29.0%
30.0%
31.3%
28.96%
25.7%
24.69%
CASA Amount
0.00
16,893.40
15,590.30
15,609.40
13,411.30
10,644.60
9,988.30
Capital Adequacy Ratio (Total)
21.68%
22.98%
22.21%
20.08%
19.24%
17.36%
15.49%
Capital Adequacy Ratio (Tier 1)
0.0%
21.98%
21.17%
19.02%
18.18%
16.29%
14.96%
Provision Coverage Ratio (%)
0.0%
75.0%
71.0%
66.0%
62.0%
70.0%
65.0%
Amount of Gross NPAs
1,393.22
1,725.50
2,034.63
1,861.82
2,119.34
1,220.58
1,135.44
Amount of Net NPAs
512.86
775.02
998.73
1,128.70
1,294.05
631.44
624.08
% of Net NPAs
0.9%
1.62%
2.34%
2.69%
3.48%
1.81%
1.9%
% of Gross NPAs
2.42%
3.54%
4.66%
4.36%
5.58%
3.44%
3.41%
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
0.0
1682.0
1662.0
1693.0
1720.0
1780.0
1724.0
Number of Branches
0.0
812.0
752.0
727.0
702.0
700.0
650.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is 15.44% vs 9.82% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is 15.43% vs 8.23% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is 14.95% vs 0.10% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is -0.72% vs -0.72% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is -1.12% vs -1.12% in Sep 2024

Compare Half Yearly Results Of City Union Bank With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
3,258.46
10,829.44
-7,570.98
-69.91%
Income On Investments
573.97
1,352.99
-779.02
-57.58%
Interest On Balances With Rbi Other Inter Bank Funds
55.00
39.11
15.89
40.63%
Interest / Discount On Advances / Bills
2,621.98
9,207.75
-6,585.77
-71.52%
Others
7.52
229.59
-222.07
-96.72%
Other Income
503.01
1,272.32
-769.31
-60.47%
Total Income
3,761.46
12,101.76
-8,340.30
-68.92%
Interest Expended
1,966.63
5,483.64
-3,517.01
-64.14%
Net Interest Income
1,291.83
5,345.80
-4,053.97
-75.83%
Total Expenditure (Excl Depreciation)
873.32
3,639.36
-2,766.04
-76.0%
Employee Cost
424.96
2,200.88
-1,775.92
-80.69%
Other Operating Expenses
448.36
1,438.48
-990.12
-68.83%
Operating Profit Before Provisions and Contingencies
921.51
2,978.75
-2,057.24
-69.06%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
127.00
2,299.47
-2,172.47
-94.48%
Profit Before Tax
794.51
679.29
115.22
16.96%
Tax
160.00
195.45
-35.45
-18.14%
Profit After Tax
634.51
483.83
150.68
31.14%
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
634.51
483.83
150.68
31.14%
Face Value
1.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
8.56
3.00
5.56
185.33%
Diluted Earnings per share
8.51
3.00
5.51
183.67%
Operating Profit Margin (Excl OI)
69.30%
45.16%
0.00
24.14%
Gross Profit Margin
24.38%
6.27%
0.00
18.11%
PAT Margin
19.47%
4.47%
0.00
15.00%
Net Interest Margin
0.00%
6.10%
-6.10
-6.10%
Return on Assets
0.00%
0.25%
-0.25
-0.25%
CASA (%)
0.00%
28.00%
-28.00
-28.00%
CASA Amount
0.00
44,210.00
-44,210.00
-100.0%
Capital Adequacy Ratio (Total)
21.68%
18.23%
3.45
3.45%
Capital Adequacy Ratio (Tier 1)
0.00%
17.40%
-17.40
-17.40%
Provision Coverage Ratio (%)
0.00%
73.70%
-73.70
-73.70%
Amount of Gross NPAs
1,393.22
7,015.13
-5,621.91
-80.14%
Amount of Net NPAs
512.86
1,843.55
-1,330.69
-72.18%
% of Net NPAs
0.90%
1.37%
-0.47
-0.47%
% of Gross NPAs
2.42%
5.02%
-2.60
-2.60%
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
0.00
438.00
-438.00
-100.0%
Number of Branches
0.00
1,754.00
-1,754.00
-100.0%
Half Yearly - Interest Earned
Interest Earned 3258.46 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 15.44% vs 9.82% in Sep 2024

Half Yearly - Net Profit
Net Profit 634.51 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 15.43% vs 8.23% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 921.51 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is 14.95% vs 0.10% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 0.90%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -0.72% vs -0.72% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 2.42%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is -1.12% vs -1.12% in Sep 2024

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