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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

1,855.62

1,755.68

1,653.13

1,605.33

1,532.72

1,478.74

1,433.95

Income On Investments

311.41

293.73

287.56

286.41

271.36

268.91

270.99

Interest On Balances With Rbi Other Inter Bank Funds

28.52

25.68

28.66

26.34

16.34

9.06

16.35

Interest / Discount On Advances / Bills

1,515.47

1,434.62

1,331.75

1,290.22

1,243.25

1,198.96

1,143.47

Others

0.22

1.66

5.16

2.36

1.78

1.81

3.13

Other Income

290.48

245.35

259.13

243.88

251.22

228.39

226.32

Total Income

2,146.09

2,001.03

1,912.26

1,849.20

1,783.94

1,707.12

1,660.27

Interest Expended

1,069.78

1,003.51

986.59

980.04

932.40

890.99

851.46

Net Interest Income

785.84

752.17

666.54

625.29

600.32

587.75

582.49

Total Expenditure (Excl Depreciation)

496.74

484.36

455.08

418.24

410.57

380.14

380.63

Employee Cost

234.61

230.23

224.36

200.60

196.54

178.52

183.53

Other Operating Expenses

262.13

254.13

230.72

217.64

214.03

201.62

197.10

Operating Profit Before Provisions and Contingencies

579.56

513.16

470.59

450.92

440.96

436.00

428.18

Exceptional Items

0.00

Provisions and contingencies

120.00

96.00

57.00

70.00

78.00

75.00

70.00

Profit Before Tax

459.56

417.16

413.59

380.92

362.96

361.00

358.18

Tax

100.00

85.00

75.00

73.00

Profit After Tax

359.56

332.16

328.59

305.92

287.96

286.00

285.18

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

359.56

332.16

328.59

305.92

287.96

286.00

285.18

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

4.84

4.48

4.43

4.13

3.89

3.86

3.85

Diluted Earnings per share

4.83

4.46

4.41

4.1

3.86

3.83

3.82

Operating Profit Margin (Excl OI)

66.76%

66.94%

69.02%

69.59%

68.12%

69.22%

68.57%

Gross Profit Margin

24.77%

23.76%

25.02%

23.73%

23.68%

24.41%

24.98%

PAT Margin

19.38%

18.92%

19.88%

19.06%

18.79%

19.34%

19.89%

Net Interest Margin

3.87%

3.89%

3.63%

3.54%

3.6%

3.58%

3.67%

Return on Assets

0.0%

CASA (%)

0.0%

29.0%

CASA Amount

21,644.10

19,233.50

19,536.90

17,950.50

18,118.90

16,131.90

16,893.40

Capital Adequacy Ratio (Total)

21.92%

20.13%

21.68%

23.1%

23.75%

22.26%

22.98%

Capital Adequacy Ratio (Tier 1)

20.82%

19.18%

20.71%

22.09%

22.7%

21.29%

21.98%

Provision Coverage Ratio (%)

84.0%

83.0%

82.0%

79.0%

78.0%

77.0%

75.0%

Amount of Gross NPAs

1,273.08

1,320.00

1,393.22

1,616.98

1,638.17

1,693.04

1,725.50

Amount of Net NPAs

449.42

469.34

512.86

634.55

653.07

701.54

775.02

% of Net NPAs

0.68%

0.78%

0.9%

1.2%

1.25%

1.42%

1.62%

% of Gross NPAs

1.91%

2.17%

2.42%

2.99%

3.09%

3.36%

3.54%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1764.0

1678.0

1709.0

1776.0

1736.0

1693.0

1682.0

Number of Branches

949.0

901.0

889.0

876.0

875.0

822.0

812.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 5.69% vs 6.2% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 8.25% vs 1.09% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 12.94% vs 9.05% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.10% vs -0.12% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.26% vs -0.25% in Dec 2025

Compare Quarterly Results Of City Union Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,855.62

3,720.25

-1,864.63

-50.12%

Income On Investments

311.41

554.97

-243.56

-43.89%

Interest On Balances With Rbi Other Inter Bank Funds

28.52

111.78

-83.26

-74.49%

Interest / Discount On Advances / Bills

1,515.47

3,009.43

-1,493.96

-49.64%

Others

0.22

44.07

-43.85

-99.5%

Other Income

290.48

1,068.96

-778.48

-72.83%

Total Income

2,146.09

4,789.21

-2,643.12

-55.19%

Interest Expended

1,069.78

2,049.29

-979.51

-47.8%

Net Interest Income

785.84

1,670.96

-885.12

-52.97%

Total Expenditure (Excl Depreciation)

496.74

1,784.54

-1,287.80

-72.16%

Employee Cost

234.61

482.17

-247.56

-51.34%

Other Operating Expenses

262.13

1,302.37

-1,040.24

-79.87%

Operating Profit Before Provisions and Contingencies

579.56

955.38

-375.82

-39.34%

Exceptional Items

0.00

Provisions and contingencies

120.00

678.32

-558.32

-82.31%

Profit Before Tax

459.56

277.06

182.50

65.87%

Tax

100.00

47.35

52.65

111.19%

Profit After Tax

359.56

229.71

129.85

56.53%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

359.56

229.71

129.85

56.53%

Face Value

1.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.84

3.72

1.12

30.11%

Diluted Earnings per share

4.83

3.67

1.16

31.61%

Operating Profit Margin (Excl OI)

66.76%

33.80%

0.00

32.96%

Gross Profit Margin

24.77%

7.45%

0.00

17.32%

PAT Margin

19.38%

6.17%

0.00

13.21%

Net Interest Margin

3.87%

4.41%

-0.54

-0.54%

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%

Quarterly - Interest Earned

Interest Earned 1855.62 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 5.69% vs 6.2% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 21.07% vs 11.54% in Mar 2025

Quarterly - Net Profit

Net Profit 359.56 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 8.25% vs 1.09% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 24.86% vs 13.01% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 579.56 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 12.94% vs 9.05% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 31.43% vs 25.34% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.68%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.10% vs -0.12% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.91%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.26% vs -0.25% in Dec 2025

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