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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

1,984.99

1,855.62

1,755.68

1,653.13

1,605.33

1,532.72

1,478.74

Income On Investments

314.81

311.41

293.73

287.56

286.41

271.36

268.91

Interest On Balances With Rbi Other Inter Bank Funds

40.95

28.52

25.68

28.66

26.34

16.34

9.06

Interest / Discount On Advances / Bills

1,629.06

1,515.47

1,434.62

1,331.75

1,290.22

1,243.25

1,198.96

Others

0.16

0.22

1.66

5.16

2.36

1.78

1.81

Other Income

243.59

290.48

245.35

259.13

243.88

251.22

228.39

Total Income

2,228.57

2,146.09

2,001.03

1,912.26

1,849.20

1,783.94

1,707.12

Interest Expended

1,164.85

1,069.78

1,003.51

986.59

980.04

932.40

890.99

Net Interest Income

820.14

785.84

752.17

666.54

625.29

600.32

587.75

Total Expenditure (Excl Depreciation)

483.15

496.74

484.36

455.08

418.24

410.57

380.14

Employee Cost

234.73

234.61

230.23

224.36

200.60

196.54

178.52

Other Operating Expenses

248.42

262.13

254.13

230.72

217.64

214.03

201.62

Operating Profit Before Provisions and Contingencies

580.57

579.56

513.16

470.59

450.92

440.96

436.00

Exceptional Items

0.00

Provisions and contingencies

78.00

120.00

96.00

57.00

70.00

78.00

75.00

Profit Before Tax

502.57

459.56

417.16

413.59

380.92

362.96

361.00

Tax

120.00

100.00

85.00

75.00

Profit After Tax

382.57

359.56

332.16

328.59

305.92

287.96

286.00

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

382.57

359.56

332.16

328.59

305.92

287.96

286.00

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

3.86

3.63

4.48

4.43

3.1

3.89

3.86

Diluted Earnings per share

3.85

3.62

4.46

4.41

3.08

3.86

3.83

Operating Profit Margin (Excl OI)

71.73%

66.76%

66.94%

69.02%

69.59%

68.12%

69.22%

Gross Profit Margin

25.32%

24.77%

23.76%

25.02%

23.73%

23.68%

24.41%

PAT Margin

19.27%

19.38%

18.92%

19.88%

19.06%

18.79%

19.34%

Net Interest Margin

3.78%

3.87%

3.89%

3.63%

3.54%

3.6%

3.58%

Return on Assets

0.0%

CASA (%)

0.0%

CASA Amount

0.00

21,644.10

19,233.50

19,536.90

17,950.50

18,118.90

16,131.90

Capital Adequacy Ratio (Total)

21.73%

21.92%

20.13%

21.68%

23.1%

23.75%

22.26%

Capital Adequacy Ratio (Tier 1)

20.97%

20.82%

19.18%

20.71%

22.09%

22.7%

21.29%

Provision Coverage Ratio (%)

85.0%

84.0%

83.0%

82.0%

79.0%

78.0%

77.0%

Amount of Gross NPAs

1,169.74

1,273.08

1,320.00

1,393.22

1,616.98

1,638.17

1,693.04

Amount of Net NPAs

405.20

449.42

469.34

512.86

634.55

653.07

701.54

% of Net NPAs

0.61%

0.68%

0.78%

0.9%

1.2%

1.25%

1.42%

% of Gross NPAs

1.73%

1.91%

2.17%

2.42%

2.99%

3.09%

3.36%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

1764.0

1678.0

1709.0

1776.0

1736.0

1693.0

Number of Branches

1000.0

949.0

901.0

889.0

876.0

875.0

822.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 6.97% vs 5.69% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 6.40% vs 8.25% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 0.17% vs 12.94% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.10% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.18% vs -0.26% in Mar 2026

Compare Quarterly Results Of City Union Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,984.99

5,630.55

-3,645.56

-64.75%

Income On Investments

314.81

609.70

-294.89

-48.37%

Interest On Balances With Rbi Other Inter Bank Funds

40.95

16.21

24.74

152.62%

Interest / Discount On Advances / Bills

1,629.06

4,944.46

-3,315.40

-67.05%

Others

0.16

60.18

-60.02

-99.73%

Other Income

243.59

603.83

-360.24

-59.66%

Total Income

2,228.57

6,234.38

-4,005.81

-64.25%

Interest Expended

1,164.85

2,709.97

-1,545.12

-57.02%

Net Interest Income

820.14

2,920.58

-2,100.44

-71.92%

Total Expenditure (Excl Depreciation)

483.15

2,166.31

-1,683.16

-77.7%

Employee Cost

234.73

1,358.32

-1,123.59

-82.72%

Other Operating Expenses

248.42

807.99

-559.57

-69.25%

Operating Profit Before Provisions and Contingencies

580.57

1,358.10

-777.53

-57.25%

Exceptional Items

0.00

Provisions and contingencies

78.00

682.59

-604.59

-88.57%

Profit Before Tax

502.57

675.52

-172.95

-25.6%

Tax

120.00

173.85

-53.85

-30.97%

Profit After Tax

382.57

501.67

-119.10

-23.74%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

382.57

501.67

-119.10

-23.74%

Face Value

1.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.86

3.11

0.75

24.12%

Diluted Earnings per share

3.85

3.11

0.74

23.79%

Operating Profit Margin (Excl OI)

71.73%

49.40%

0.00

22.33%

Gross Profit Margin

25.32%

12.00%

0.00

13.32%

PAT Margin

19.27%

8.91%

0.00

10.36%

Net Interest Margin

3.78%

6.20%

-2.42

-2.42%

Return on Assets

0.00%

0.25%

-0.25

-0.25%

CASA (%)

0.00%

29.40%

-29.40

-29.40%

CASA Amount

0.00

48,480.00

-48,480.00

-100.0%

Capital Adequacy Ratio (Total)

21.73%

18.15%

3.58

3.58%

Capital Adequacy Ratio (Tier 1)

20.97%

17.50%

3.47

3.47%

Provision Coverage Ratio (%)

85.00%

71.10%

13.90

13.90%

Amount of Gross NPAs

1,169.74

4,880.95

-3,711.21

-76.03%

Amount of Net NPAs

405.20

1,411.63

-1,006.43

-71.3%

% of Net NPAs

0.61%

0.93%

-0.32

-0.32%

% of Gross NPAs

1.73%

3.15%

-1.42

-1.42%

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

0.00

438.00

-438.00

-100.0%

Number of Branches

1,000.00

1,988.00

-988.00

-49.7%

Quarterly - Interest Earned

Interest Earned 1984.99 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 6.97% vs 5.69% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 23.65% vs 15.6% in Jun 2025

Quarterly - Net Profit

Net Profit 382.57 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 6.40% vs 8.25% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 25.06% vs 15.66% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 580.57 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 0.17% vs 12.94% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 28.75% vs 20.73% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.61%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.07% vs -0.10% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.59% vs -0.67% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.73%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.18% vs -0.26% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -1.26% vs -0.89% in Jun 2025