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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-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
1,653.13
1,605.33
1,532.72
1,478.74
1,433.95
1,388.64
1,374.12
Income On Investments
287.56
286.41
271.36
268.91
270.99
262.09
251.76
Interest On Balances With Rbi Other Inter Bank Funds
28.66
26.34
16.34
9.06
16.35
38.36
39.66
Interest / Discount On Advances / Bills
1,331.75
1,290.22
1,243.25
1,198.96
1,143.47
1,086.47
1,080.56
Others
5.16
2.36
1.78
1.81
3.13
1.72
2.13
Other Income
259.13
243.88
251.22
228.39
226.32
192.13
175.23
Total Income
1,912.26
1,849.20
1,783.94
1,707.12
1,660.27
1,580.77
1,549.35
Interest Expended
986.59
980.04
932.40
890.99
851.46
843.47
827.54
Net Interest Income
666.54
625.29
600.32
587.75
582.49
545.17
546.58
Total Expenditure (Excl Depreciation)
455.08
418.24
410.57
380.14
380.63
363.81
369.98
Employee Cost
224.36
200.60
196.54
178.52
183.53
174.40
167.83
Other Operating Expenses
230.72
217.64
214.03
201.62
197.10
189.41
202.15
Operating Profit Before Provisions and Contingencies
470.59
450.92
440.96
436.00
428.18
373.49
351.82
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
57.00
70.00
78.00
75.00
70.00
39.00
32.00
Profit Before Tax
413.59
380.92
362.96
361.00
358.18
334.49
319.82
Tax
85.00
75.00
75.00
75.00
73.00
70.00
65.00
Profit After Tax
328.59
305.92
287.96
286.00
285.18
264.49
254.82
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
328.59
305.92
287.96
286.00
285.18
264.49
254.82
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)
4.43
4.13
3.89
3.86
3.85
3.57
3.44
Diluted Earnings per share
4.41
4.1
3.86
3.83
3.82
3.54
3.42
Operating Profit Margin (Excl OI)
69.02%
69.59%
68.12%
69.22%
68.57%
70.99%
70.75%
Gross Profit Margin
25.02%
23.73%
23.68%
24.41%
24.98%
24.09%
23.27%
PAT Margin
19.88%
19.06%
18.79%
19.34%
19.89%
19.05%
18.54%
Net Interest Margin
0.0%
3.54%
3.6%
3.58%
3.67%
3.54%
3.66%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
29.0%
30.0%
31.0%
CASA Amount
0.00
17,950.50
18,118.90
16,131.90
16,893.40
16,195.00
17,050.20
Capital Adequacy Ratio (Total)
21.68%
23.1%
23.75%
22.26%
22.98%
23.58%
23.73%
Capital Adequacy Ratio (Tier 1)
0.0%
22.09%
22.7%
21.29%
21.98%
22.55%
22.69%
Provision Coverage Ratio (%)
0.0%
79.0%
78.0%
77.0%
75.0%
73.0%
72.0%
Amount of Gross NPAs
1,393.22
1,616.98
1,638.17
1,693.04
1,725.50
1,806.45
1,854.43
Amount of Net NPAs
512.86
634.55
653.07
701.54
775.02
853.50
898.68
% of Net NPAs
0.9%
1.2%
1.25%
1.42%
1.62%
1.87%
1.97%
% of Gross NPAs
2.42%
2.99%
3.09%
3.36%
3.54%
3.88%
3.99%
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
1776.0
1736.0
1693.0
1682.0
1679.0
1677.0
Number of Branches
0.0
876.0
875.0
822.0
812.0
800.0
800.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 2.98% vs 4.74% in Jun 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Sep 2025 is 7.41% vs 6.24% in Jun 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 4.36% vs 2.26% in Jun 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.30% vs -0.05% in Jun 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.57% vs -0.10% in Jun 2025

Compare Quarterly Results Of City Union Bank With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,653.13
5,353.83
-3,700.70
-69.12%
Income On Investments
287.56
694.21
-406.65
-58.58%
Interest On Balances With Rbi Other Inter Bank Funds
28.66
22.38
6.28
28.06%
Interest / Discount On Advances / Bills
1,331.75
4,475.38
-3,143.63
-70.24%
Others
5.16
161.86
-156.70
-96.81%
Other Income
259.13
546.44
-287.31
-52.58%
Total Income
1,912.26
5,900.27
-3,988.01
-67.59%
Interest Expended
986.59
2,765.27
-1,778.68
-64.32%
Net Interest Income
666.54
2,588.56
-1,922.02
-74.25%
Total Expenditure (Excl Depreciation)
455.08
1,824.64
-1,369.56
-75.06%
Employee Cost
224.36
1,077.27
-852.91
-79.17%
Other Operating Expenses
230.72
747.37
-516.65
-69.13%
Operating Profit Before Provisions and Contingencies
470.59
1,310.35
-839.76
-64.09%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
57.00
1,152.56
-1,095.56
-95.05%
Profit Before Tax
413.59
157.79
255.80
162.11%
Tax
85.00
45.92
39.08
85.1%
Profit After Tax
328.59
111.87
216.72
193.72%
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
328.59
111.87
216.72
193.72%
Face Value
1.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
4.43
0.69
3.74
542.03%
Diluted Earnings per share
4.41
0.69
3.72
539.13%
Operating Profit Margin (Excl OI)
69.02%
44.39%
0.00
24.63%
Gross Profit Margin
25.02%
2.95%
0.00
22.07%
PAT Margin
19.88%
2.09%
0.00
17.79%
Net Interest Margin
0.00%
5.80%
-5.80
-5.80%
Return on Assets
0.00%
0.06%
-0.06
-0.06%
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%
Quarterly - Interest Earned
Interest Earned 1653.13 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 2.98% vs 4.74% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 15.29% vs 9.96% in Sep 2024

Quarterly - Net Profit
Net Profit 328.59 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 7.41% vs 6.24% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 15.22% vs 1.63% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 470.59 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is 4.36% vs 2.26% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 9.90% vs 10.75% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 0.90%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.30% vs -0.05% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -0.72% vs -0.72% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 2.42%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is -0.57% vs -0.10% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -1.12% vs -1.12% in Sep 2024

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