Half Yearly Results Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
2,822.59
2,570.21
2,280.63
2,019.62
2,110.31
2,066.06
1,951.18
Income On Investments
533.08
460.62
402.86
290.45
292.24
301.32
273.17
Interest On Balances With Rbi Other Inter Bank Funds
54.71
71.35
18.94
7.69
23.45
29.36
14.43
Interest / Discount On Advances / Bills
2,229.94
2,036.91
1,857.08
1,719.19
1,791.00
1,730.38
1,658.00
Others
4.85
1.33
1.76
2.29
3.63
5.00
5.58
Other Income
418.45
373.55
391.00
398.40
329.91
358.27
266.72
Total Income
3,241.04
2,943.76
2,671.63
2,418.02
2,440.22
2,424.33
2,217.90
Interest Expended
1,694.93
1,509.25
1,187.81
1,093.76
1,198.21
1,237.63
1,112.49
Net Interest Income
1,127.66
1,060.96
1,092.82
925.86
912.10
828.43
838.69
Total Expenditure (Excl Depreciation)
744.44
633.64
580.22
536.14
501.31
488.82
460.78
Employee Cost
357.94
290.36
273.91
256.22
236.30
213.46
184.14
Other Operating Expenses
386.50
343.28
306.31
279.92
265.01
275.36
276.64
Operating Profit Before Provisions and Contingencies
801.67
800.88
903.60
788.12
740.70
697.88
644.64
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
109.00
208.00
257.00
318.03
334.00
223.70
169.42
Profit Before Tax
692.67
592.88
646.60
470.09
406.70
474.18
475.21
Tax
143.00
85.00
145.00
115.00
95.00
95.00
122.00
Profit After Tax
549.67
507.88
501.60
355.09
311.70
379.18
353.21
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
549.67
507.88
501.60
355.09
311.70
379.18
353.21
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)
7.42
6.86
6.78
4.81
4.22
5.16
4.81
Diluted Earnings per share
7.37
6.8
6.71
4.75
1.19
5.09
0.0
Operating Profit Margin (Excl OI)
69.76%
67.25%
63.29%
57.71%
60.42%
65.51%
67.7%
Gross Profit Margin
24.54%
23.07%
28.35%
23.28%
19.27%
22.95%
81.37%
PAT Margin
19.47%
19.76%
21.99%
17.58%
14.77%
18.35%
18.1%
Net Interest Margin
3.6%
3.7%
4.02%
3.95%
4.05%
4.01%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
29.0%
30.0%
31.3%
28.96%
25.7%
24.69%
0.0%
CASA Amount
16,893.40
15,590.30
15,609.40
13,411.30
10,644.60
9,988.30
0.00
Capital Adequacy Ratio (Total)
22.98%
22.21%
20.08%
19.24%
17.36%
15.49%
0.0%
Capital Adequacy Ratio (Tier 1)
21.98%
21.17%
19.02%
18.18%
16.29%
14.96%
0.0%
Provision Coverage Ratio (%)
75.0%
71.0%
66.0%
62.0%
70.0%
65.0%
0.0%
Amount of Gross NPAs
1,725.50
2,034.63
1,861.82
2,119.34
1,220.58
1,135.44
977.05
Amount of Net NPAs
775.02
998.73
1,128.70
1,294.05
631.44
624.08
591.46
% of Net NPAs
1.62%
2.34%
2.69%
3.48%
1.81%
1.9%
1.81%
% of Gross NPAs
3.54%
4.66%
4.36%
5.58%
3.44%
3.41%
2.95%
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
1682.0
1662.0
1693.0
1720.0
1780.0
1724.0
0.0
Number of Branches
812.0
752.0
727.0
702.0
700.0
650.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 9.82% vs 12.7% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 8.23% vs 1.25% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 0.10% vs -11.37% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is -0.72% vs -0.35% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -1.12% vs 0.30% in Sep 2023
Compare Half Yearly Results Of City Union Bank With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
2,822.59
15,449.64
-12,627.05
-81.73%
Income On Investments
533.08
2,938.08
-2,405.00
-81.86%
Interest On Balances With Rbi Other Inter Bank Funds
54.71
170.92
-116.21
-67.99%
Interest / Discount On Advances / Bills
2,229.94
11,559.18
-9,329.24
-80.71%
Others
4.85
781.46
-776.61
-99.38%
Other Income
418.45
2,605.59
-2,187.14
-83.94%
Total Income
3,241.04
18,055.23
-14,814.19
-82.05%
Interest Expended
1,694.93
11,005.16
-9,310.23
-84.6%
Net Interest Income
1,127.66
4,444.48
-3,316.82
-74.63%
Total Expenditure (Excl Depreciation)
744.44
5,189.51
-4,445.07
-85.65%
Employee Cost
357.94
1,987.72
-1,629.78
-81.99%
Other Operating Expenses
386.50
3,201.79
-2,815.29
-87.93%
Operating Profit Before Provisions and Contingencies
801.67
1,860.56
-1,058.89
-56.91%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
109.00
508.87
-399.87
-78.58%
Profit Before Tax
692.67
1,351.69
-659.02
-48.76%
Tax
143.00
296.22
-153.22
-51.73%
Profit After Tax
549.67
1,055.47
-505.80
-47.92%
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
549.67
1,055.47
-505.80
-47.92%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
7.42
0.34
7.08
2082.35%
Diluted Earnings per share
7.37
0.34
7.03
2067.65%
Operating Profit Margin (Excl OI)
69.76%
63.12%
0.00
6.64%
Gross Profit Margin
24.54%
8.75%
0.00
15.79%
PAT Margin
19.47%
6.83%
0.00
12.64%
Net Interest Margin
3.60%
0.00%
3.60
3.60%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
29.00%
32.00%
-3.00
-3.00%
CASA Amount
16,893.40
88,601.00
-71,707.60
-80.93%
Capital Adequacy Ratio (Total)
22.98%
15.60%
7.38
7.38%
Capital Adequacy Ratio (Tier 1)
21.98%
13.20%
8.78
8.78%
Provision Coverage Ratio (%)
75.00%
70.00%
5.00
5.00%
Amount of Gross NPAs
1,725.50
3,889.43
-2,163.93
-55.64%
Amount of Net NPAs
775.02
1,168.02
-393.00
-33.65%
% of Net NPAs
1.62%
1.60%
0.02
0.02%
% of Gross NPAs
3.54%
1.60%
1.94
1.94%
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
1,682.00
1,325.00
357.00
26.94%
Number of Branches
812.00
1,237.00
-425.00
-34.36%
Half Yearly - Interest Earned
Interest Earned 2822.59 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 9.82% vs 12.7% in Sep 2023
Half Yearly - Net Profit
Net Profit 549.67 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 8.23% vs 1.25% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 801.67 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 0.10% vs -11.37% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 1.62%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.72% vs -0.35% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 3.54%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -1.12% vs 0.30% in Sep 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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