City Union Bank

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE491A01021
NSEID: CUB
BSEID: 532210

INR

163.80

5.6 (3.54%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 10.26 lacs

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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

4,301.33

3,896.45

3,486.27

3,054.86

3,158.34

3,126.93

2,782.61

Income On Investments

801.99

707.13

619.69

456.01

439.20

464.45

418.71

Interest On Balances With Rbi Other Inter Bank Funds

63.77

114.56

37.47

11.70

32.24

41.24

14.64

Interest / Discount On Advances / Bills

3,428.90

3,072.82

2,826.58

2,583.84

2,681.67

2,613.98

2,339.32

Others

6.66

1.95

2.55

3.32

5.23

7.26

9.95

Other Income

646.84

566.43

615.33

558.40

549.68

500.64

367.50

Total Income

4,948.16

4,462.87

4,101.61

3,613.26

3,708.02

3,627.57

3,150.12

Interest Expended

2,585.92

2,319.56

1,837.72

1,639.03

1,757.19

1,871.23

1,591.72

Net Interest Income

1,715.41

1,576.89

1,648.55

1,415.83

1,401.15

1,255.70

1,190.89

Total Expenditure (Excl Depreciation)

1,124.58

978.41

862.94

816.49

761.70

750.03

656.18

Employee Cost

536.46

445.98

400.71

390.00

356.49

326.82

273.04

Other Operating Expenses

588.12

532.43

462.23

426.49

405.21

423.21

383.14

Operating Profit Before Provisions and Contingencies

1,237.67

1,164.91

1,400.94

1,157.74

1,189.13

1,006.31

902.22

Exceptional Items

0.00

Provisions and contingencies

184.00

254.00

481.50

441.53

542.50

304.70

224.47

Profit Before Tax

1,053.67

910.91

919.44

716.21

646.63

701.61

677.75

Tax

218.00

150.00

200.00

165.00

130.00

170.00

Profit After Tax

835.67

760.91

719.44

551.21

481.63

571.61

507.75

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

835.67

760.91

719.44

551.21

481.63

571.61

507.75

Face Value

1.0

Reserves

0.00

Diluted Earnings per share

3.83

3.39

2.92

2.62

2.28

2.58

2.43

Operating Profit Margin (Excl OI)

73.86%

74.89%

75.25%

73.27%

75.88%

76.01%

76.42%

Gross Profit Margin

0.0%

PAT Margin

19.43%

19.53%

20.64%

18.04%

15.25%

18.28%

18.25%

Net Interest Margin

3.58%

3.5%

3.88%

4.0%

4.16%

3.99%

4.41%

Return on Assets

0.0%

CASA (%)

0.0%

29.0%

29.21%

29.79%

27.49%

23.35%

23.86%

CASA Amount

16,131.90

15,358.90

14,605.50

13,918.40

11,898.50

9,294.30

8,469.70

Capital Adequacy Ratio (Total)

22.26%

21.87%

20.47%

19.39%

17.39%

15.41%

14.79%

Capital Adequacy Ratio (Tier 1)

21.29%

20.83%

19.41%

18.34%

16.31%

14.86%

14.39%

Provision Coverage Ratio (%)

77.0%

71.0%

67.0%

62.0%

73.0%

65.46%

65.0%

Amount of Gross NPAs

1,693.04

1,968.11

1,988.67

1,998.55

1,071.69

1,185.43

891.92

Amount of Net NPAs

701.54

940.90

1,124.47

1,295.91

527.15

649.41

527.60

% of Net NPAs

1.42%

2.19%

2.67%

3.44%

1.47%

1.95%

1.74%

% of Gross NPAs

3.36%

4.47%

4.62%

5.21%

2.94%

3.5%

2.91%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1693.0

1665.0

1681.0

1733.0

1749.0

1757.0

1656.0

Number of Branches

822.0

772.0

752.0

702.0

700.0

660.0

616.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 10.39% vs 11.77% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 9.83% vs 5.76% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 6.25% vs -16.85% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.77% vs -0.48% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -1.11% vs -0.15% in Dec 2023

Compare Nine Monthly Results Of City Union Bank With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

4,301.33

23,278.78

-18,977.45

-81.52%

Income On Investments

801.99

4,354.90

-3,552.91

-81.58%

Interest On Balances With Rbi Other Inter Bank Funds

63.77

291.40

-227.63

-78.12%

Interest / Discount On Advances / Bills

3,428.90

17,464.10

-14,035.20

-80.37%

Others

6.66

1,168.38

-1,161.72

-99.43%

Other Income

646.84

4,117.60

-3,470.76

-84.29%

Total Income

4,948.16

27,396.38

-22,448.22

-81.94%

Interest Expended

2,585.92

16,610.78

-14,024.86

-84.43%

Net Interest Income

1,715.41

6,668.00

-4,952.59

-74.27%

Total Expenditure (Excl Depreciation)

1,124.58

7,846.02

-6,721.44

-85.67%

Employee Cost

536.46

2,991.59

-2,455.13

-82.07%

Other Operating Expenses

588.12

4,854.43

-4,266.31

-87.88%

Operating Profit Before Provisions and Contingencies

1,237.67

2,939.58

-1,701.91

-57.9%

Exceptional Items

0.00

Provisions and contingencies

184.00

767.55

-583.55

-76.03%

Profit Before Tax

1,053.67

2,172.03

-1,118.36

-51.49%

Tax

218.00

504.29

-286.29

-56.77%

Profit After Tax

835.67

1,667.74

-832.07

-49.89%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

835.67

1,667.74

-832.07

-49.89%

Face Value

1.00

2.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

19.43%

7.16%

0.00

12.27%

Net Interest Margin

3.58%

2.40%

1.18

1.18%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

33.10%

-33.10

-33.10%

CASA Amount

16,131.90

91,650.00

-75,518.10

-82.4%

Capital Adequacy Ratio (Total)

22.26%

15.20%

7.06

7.06%

Capital Adequacy Ratio (Tier 1)

21.29%

12.59%

8.70

8.70%

Provision Coverage Ratio (%)

77.00%

71.20%

5.80

5.80%

Amount of Gross NPAs

1,693.04

3,963.47

-2,270.43

-57.28%

Amount of Net NPAs

701.54

1,142.62

-441.08

-38.6%

% of Net NPAs

1.42%

0.50%

0.92

0.92%

% of Gross NPAs

3.36%

1.60%

1.76

1.76%

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

1,693.00

1,326.00

367.00

27.68%

Number of Branches

822.00

1,247.00

-425.00

-34.08%

Nine Monthly - Interest Earned

Interest Earned 4301.33 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 10.39% vs 11.77% in Dec 2023

Nine Monthly - Net Profit

Net Profit 835.67 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 9.83% vs 5.76% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,237.67 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 6.25% vs -16.85% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 1.42%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.77% vs -0.48% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 3.36%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -1.11% vs -0.15% in Dec 2023