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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

1,755.68

1,653.13

1,605.33

1,532.72

1,478.74

1,433.95

1,388.64

Income On Investments

293.73

287.56

286.41

271.36

268.91

270.99

262.09

Interest On Balances With Rbi Other Inter Bank Funds

25.68

28.66

26.34

16.34

9.06

16.35

38.36

Interest / Discount On Advances / Bills

1,434.62

1,331.75

1,290.22

1,243.25

1,198.96

1,143.47

1,086.47

Others

1.66

5.16

2.36

1.78

1.81

3.13

1.72

Other Income

245.35

259.13

243.88

251.22

228.39

226.32

192.13

Total Income

2,001.03

1,912.26

1,849.20

1,783.94

1,707.12

1,660.27

1,580.77

Interest Expended

1,003.51

986.59

980.04

932.40

890.99

851.46

843.47

Net Interest Income

752.17

666.54

625.29

600.32

587.75

582.49

545.17

Total Expenditure (Excl Depreciation)

484.36

455.08

418.24

410.57

380.14

380.63

363.81

Employee Cost

230.23

224.36

200.60

196.54

178.52

183.53

174.40

Other Operating Expenses

254.13

230.72

217.64

214.03

201.62

197.10

189.41

Operating Profit Before Provisions and Contingencies

513.16

470.59

450.92

440.96

436.00

428.18

373.49

Exceptional Items

0.00

Provisions and contingencies

96.00

57.00

70.00

78.00

75.00

70.00

39.00

Profit Before Tax

417.16

413.59

380.92

362.96

361.00

358.18

334.49

Tax

85.00

75.00

73.00

70.00

Profit After Tax

332.16

328.59

305.92

287.96

286.00

285.18

264.49

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

332.16

328.59

305.92

287.96

286.00

285.18

264.49

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

4.48

4.43

4.13

3.89

3.86

3.85

3.57

Diluted Earnings per share

4.46

4.41

4.1

3.86

3.83

3.82

3.54

Operating Profit Margin (Excl OI)

66.94%

69.02%

69.59%

68.12%

69.22%

68.57%

70.99%

Gross Profit Margin

23.76%

25.02%

23.73%

23.68%

24.41%

24.98%

24.09%

PAT Margin

18.92%

19.88%

19.06%

18.79%

19.34%

19.89%

19.05%

Net Interest Margin

3.89%

3.63%

3.54%

3.6%

3.58%

3.67%

3.54%

Return on Assets

0.0%

CASA (%)

0.0%

29.0%

30.0%

CASA Amount

19,233.50

19,536.90

17,950.50

18,118.90

16,131.90

16,893.40

16,195.00

Capital Adequacy Ratio (Total)

20.13%

21.68%

23.1%

23.75%

22.26%

22.98%

23.58%

Capital Adequacy Ratio (Tier 1)

19.18%

20.71%

22.09%

22.7%

21.29%

21.98%

22.55%

Provision Coverage Ratio (%)

83.0%

82.0%

79.0%

78.0%

77.0%

75.0%

73.0%

Amount of Gross NPAs

1,320.00

1,393.22

1,616.98

1,638.17

1,693.04

1,725.50

1,806.45

Amount of Net NPAs

469.34

512.86

634.55

653.07

701.54

775.02

853.50

% of Net NPAs

0.78%

0.9%

1.2%

1.25%

1.42%

1.62%

1.87%

% of Gross NPAs

2.17%

2.42%

2.99%

3.09%

3.36%

3.54%

3.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1678.0

1709.0

1776.0

1736.0

1693.0

1682.0

1679.0

Number of Branches

901.0

889.0

876.0

875.0

822.0

812.0

800.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 6.2% vs 2.98% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 1.09% vs 7.41% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 9.05% vs 4.36% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.12% vs -0.30% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.25% vs -0.57% in Sep 2025

Compare Quarterly Results Of City Union Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,755.68

5,431.24

-3,675.56

-67.67%

Income On Investments

293.73

682.92

-389.19

-56.99%

Interest On Balances With Rbi Other Inter Bank Funds

25.68

11.37

14.31

125.86%

Interest / Discount On Advances / Bills

1,434.62

4,684.93

-3,250.31

-69.38%

Others

1.66

52.02

-50.36

-96.81%

Other Income

245.35

691.01

-445.66

-64.49%

Total Income

2,001.03

6,122.25

-4,121.22

-67.32%

Interest Expended

1,003.51

2,742.94

-1,739.43

-63.41%

Net Interest Income

752.17

2,688.30

-1,936.13

-72.02%

Total Expenditure (Excl Depreciation)

484.36

1,934.30

-1,449.94

-74.96%

Employee Cost

230.23

1,133.46

-903.23

-79.69%

Other Operating Expenses

254.13

800.84

-546.71

-68.27%

Operating Profit Before Provisions and Contingencies

513.16

1,445.01

-931.85

-64.49%

Exceptional Items

0.00

Provisions and contingencies

96.00

1,154.63

-1,058.63

-91.69%

Profit Before Tax

417.16

290.38

126.78

43.66%

Tax

85.00

84.79

0.21

0.25%

Profit After Tax

332.16

205.59

126.57

61.56%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

332.16

205.59

126.57

61.56%

Face Value

1.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.48

1.28

3.20

250.0%

Diluted Earnings per share

4.46

1.28

3.18

248.44%

Operating Profit Margin (Excl OI)

66.94%

43.13%

0.00

23.81%

Gross Profit Margin

23.76%

5.35%

0.00

18.41%

PAT Margin

18.92%

3.79%

0.00

15.13%

Net Interest Margin

3.89%

5.90%

-2.01

-2.01%

Return on Assets

0.00%

0.11%

-0.11

-0.11%

CASA (%)

0.00%

27.30%

-27.30

-27.30%

CASA Amount

19,233.50

42,730.00

-23,496.50

-54.99%

Capital Adequacy Ratio (Total)

20.13%

17.33%

2.80

2.80%

Capital Adequacy Ratio (Tier 1)

19.18%

16.50%

2.68

2.68%

Provision Coverage Ratio (%)

83.00%

70.80%

12.20

12.20%

Amount of Gross NPAs

1,320.00

4,804.99

-3,484.99

-72.53%

Amount of Net NPAs

469.34

1,402.12

-932.78

-66.53%

% of Net NPAs

0.78%

0.99%

-0.21

-0.21%

% of Gross NPAs

2.17%

3.33%

-1.16

-1.16%

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

438.00

1,240.00

283.11%

Number of Branches

901.00

1,831.00

-930.00

-50.79%

Quarterly - Interest Earned

Interest Earned 1755.68 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.2% vs 2.98% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 18.73% vs 11.5% in Dec 2024

Quarterly - Net Profit

Net Profit 332.16 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 1.09% vs 7.41% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 16.14% vs 13.03% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 513.16 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 9.05% vs 4.36% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 17.70% vs 19.77% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.78%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.12% vs -0.30% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.17%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.25% vs -0.57% in Sep 2025

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