City Union Bank Ltd. Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

5,014.14

4,301.33

3,896.45

3,486.27

3,054.86

3,158.34

3,126.93

Income On Investments

867.70

801.99

707.13

619.69

456.01

439.20

464.45

Interest On Balances With Rbi Other Inter Bank Funds

80.68

63.77

114.56

37.47

11.70

32.24

41.24

Interest / Discount On Advances / Bills

4,056.60

3,428.90

3,072.82

2,826.58

2,583.84

2,681.67

2,613.98

Others

9.18

6.66

1.95

2.55

3.32

5.23

7.26

Other Income

748.36

646.84

566.43

615.33

558.40

549.68

500.64

Total Income

5,762.49

4,948.16

4,462.87

4,101.61

3,613.26

3,708.02

3,627.57

Interest Expended

2,970.14

2,585.92

2,319.56

1,837.72

1,639.03

1,757.19

1,871.23

Net Interest Income

2,044.00

1,715.41

1,576.89

1,648.55

1,415.83

1,401.15

1,255.70

Total Expenditure (Excl Depreciation)

1,357.68

1,124.58

978.41

862.94

816.49

761.70

750.03

Employee Cost

655.19

536.46

445.98

400.71

390.00

356.49

326.82

Other Operating Expenses

702.49

588.12

532.43

462.23

426.49

405.21

423.21

Operating Profit Before Provisions and Contingencies

1,434.67

1,237.67

1,164.91

1,400.94

1,157.74

1,189.13

1,006.31

Exceptional Items

0.00

Provisions and contingencies

223.00

184.00

254.00

481.50

441.53

542.50

304.70

Profit Before Tax

1,211.67

1,053.67

910.91

919.44

716.21

646.63

701.61

Tax

245.00

218.00

150.00

200.00

165.00

130.00

Profit After Tax

966.67

835.67

760.91

719.44

551.21

481.63

571.61

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

966.67

835.67

760.91

719.44

551.21

481.63

571.61

Face Value

1.0

Reserves

0.00

Diluted Earnings per share

4.46

3.83

3.39

2.92

2.62

2.28

2.58

Operating Profit Margin (Excl OI)

72.92%

73.86%

74.89%

75.25%

73.27%

75.88%

76.01%

Gross Profit Margin

0.0%

PAT Margin

19.28%

19.43%

19.53%

20.64%

18.04%

15.25%

18.28%

Net Interest Margin

3.89%

3.58%

3.5%

3.88%

4.0%

4.16%

3.99%

Return on Assets

0.0%

CASA (%)

0.0%

29.0%

29.21%

29.79%

27.49%

23.35%

CASA Amount

19,233.50

16,131.90

15,358.90

14,605.50

13,918.40

11,898.50

9,294.30

Capital Adequacy Ratio (Total)

20.13%

22.26%

21.87%

20.47%

19.39%

17.39%

15.41%

Capital Adequacy Ratio (Tier 1)

19.18%

21.29%

20.83%

19.41%

18.34%

16.31%

14.86%

Provision Coverage Ratio (%)

83.0%

77.0%

71.0%

67.0%

62.0%

73.0%

65.46%

Amount of Gross NPAs

1,320.00

1,693.04

1,968.11

1,988.67

1,998.55

1,071.69

1,185.43

Amount of Net NPAs

469.34

701.54

940.90

1,124.47

1,295.91

527.15

649.41

% of Net NPAs

0.78%

1.42%

2.19%

2.67%

3.44%

1.47%

1.95%

% of Gross NPAs

2.17%

3.36%

4.47%

4.62%

5.21%

2.94%

3.5%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1678.0

1693.0

1665.0

1681.0

1733.0

1749.0

1757.0

Number of Branches

901.0

822.0

772.0

752.0

702.0

700.0

660.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 16.57% vs 10.39% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 15.68% vs 9.83% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 15.92% vs 6.25% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.64% vs -0.77% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -1.19% vs -1.11% in Dec 2024

Compare Nine Monthly Results Of City Union Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

5,014.14

8,170.70

-3,156.56

-38.63%

Income On Investments

867.70

1,382.51

-514.81

-37.24%

Interest On Balances With Rbi Other Inter Bank Funds

80.68

27.86

52.82

189.59%

Interest / Discount On Advances / Bills

4,056.60

6,746.21

-2,689.61

-39.87%

Others

9.18

14.12

-4.94

-34.99%

Other Income

748.36

1,468.52

-720.16

-49.04%

Total Income

5,762.49

9,639.22

-3,876.73

-40.22%

Interest Expended

2,970.14

4,590.92

-1,620.78

-35.3%

Net Interest Income

2,044.00

3,579.78

-1,535.78

-42.9%

Total Expenditure (Excl Depreciation)

1,357.68

2,220.08

-862.40

-38.85%

Employee Cost

655.19

1,093.29

-438.10

-40.07%

Other Operating Expenses

702.49

1,126.79

-424.30

-37.66%

Operating Profit Before Provisions and Contingencies

1,434.67

2,828.22

-1,393.55

-49.27%

Exceptional Items

0.00

Provisions and contingencies

223.00

497.28

-274.28

-55.16%

Profit Before Tax

1,211.67

2,330.94

-1,119.27

-48.02%

Tax

245.00

545.57

-300.57

-55.09%

Profit After Tax

966.67

1,785.37

-818.70

-45.86%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

966.67

1,785.37

-818.70

-45.86%

Face Value

1.00

2.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

19.28%

21.85%

0.00

-2.57%

Net Interest Margin

3.89%

3.99%

-0.10

-0.10%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

27.23%

-27.23

-27.23%

CASA Amount

19,233.50

31,199.00

-11,965.50

-38.35%

Capital Adequacy Ratio (Total)

20.13%

16.05%

4.08

4.08%

Capital Adequacy Ratio (Tier 1)

19.18%

15.06%

4.12

4.12%

Provision Coverage Ratio (%)

83.00%

96.56%

-13.56

-13.56%

Amount of Gross NPAs

1,320.00

686.94

633.06

92.16%

Amount of Net NPAs

469.34

183.29

286.05

156.06%

% of Net NPAs

0.78%

0.19%

0.59

0.59%

% of Gross NPAs

2.17%

0.71%

1.46

1.46%

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

1,678.00

2,211.00

-533.00

-24.11%

Number of Branches

901.00

898.00

3.00

0.33%

Nine Monthly - Interest Earned

Interest Earned 5014.14 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 16.57% vs 10.39% in Dec 2024

Nine Monthly - Net Profit

Net Profit 966.67 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 15.68% vs 9.83% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,434.67 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 15.92% vs 6.25% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.78%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.64% vs -0.77% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.17%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -1.19% vs -1.11% in Dec 2024