City Union Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE491A01021
  • NSEID: CUB
  • BSEID: 532210
INR
298.30
15.8 (5.59%)
BSENSE

Feb 03

BSE+NSE Vol: 62.83 lacs

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stock-recommendationNine 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
0.00
0.00
0.00
0.00
0.00
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
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
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
966.67
835.67
760.91
719.44
551.21
481.63
571.61
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
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%
0.0%
0.0%
0.0%
0.0%
0.0%
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%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
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%
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
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
stock-summary

Interest Earned

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

stock-summary

Net Profit

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

stock-summary

Operating Profit (PBDIT)

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

stock-summary

% of Net NPAs

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

stock-summary

% 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
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
5,014.14
16,260.68
-11,246.54
-69.16%
Income On Investments
867.70
2,035.91
-1,168.21
-57.38%
Interest On Balances With Rbi Other Inter Bank Funds
80.68
50.48
30.20
59.83%
Interest / Discount On Advances / Bills
4,056.60
13,892.68
-9,836.08
-70.8%
Others
9.18
281.61
-272.43
-96.74%
Other Income
748.36
1,963.33
-1,214.97
-61.88%
Total Income
5,762.49
18,224.01
-12,461.52
-68.38%
Interest Expended
2,970.14
8,226.58
-5,256.44
-63.9%
Net Interest Income
2,044.00
8,034.10
-5,990.10
-74.56%
Total Expenditure (Excl Depreciation)
1,357.68
5,573.66
-4,215.98
-75.64%
Employee Cost
655.19
3,334.34
-2,679.15
-80.35%
Other Operating Expenses
702.49
2,239.32
-1,536.83
-68.63%
Operating Profit Before Provisions and Contingencies
1,434.67
4,423.76
-2,989.09
-67.57%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
223.00
3,454.10
-3,231.10
-93.54%
Profit Before Tax
1,211.67
969.67
242.00
24.96%
Tax
245.00
280.24
-35.24
-12.57%
Profit After Tax
966.67
689.42
277.25
40.21%
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
966.67
689.42
277.25
40.21%
Face Value
1.00
10.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
19.28%
4.24%
0.00
15.04%
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
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
1,678.00
438.00
1,240.00
283.11%
Number of Branches
901.00
1,831.00
-930.00
-50.79%
Nine Monthly - Interest Earned
Interest Earned 5014.14 Cr
in Dec 2025

Figures in Cr
stock-summary

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
stock-summary

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
stock-summary

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 %
stock-summary

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 %
stock-summary

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

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