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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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

1,478.74

1,433.95

1,388.64

1,374.12

1,326.24

1,304.05

1,266.17

Income On Investments

268.91

270.99

262.09

251.76

246.51

239.27

221.35

Interest On Balances With Rbi Other Inter Bank Funds

9.06

16.35

38.36

39.66

43.21

36.09

35.26

Interest / Discount On Advances / Bills

1,198.96

1,143.47

1,086.47

1,080.56

1,035.91

1,028.03

1,008.88

Others

1.81

3.13

1.72

2.13

0.62

0.66

0.68

Other Income

228.39

226.32

192.13

175.23

192.88

182.07

191.48

Total Income

1,707.12

1,660.27

1,580.77

1,549.35

1,519.11

1,486.11

1,457.65

Interest Expended

890.99

851.46

843.47

827.54

810.31

765.62

743.62

Net Interest Income

587.75

582.49

545.17

546.58

515.93

538.43

522.55

Total Expenditure (Excl Depreciation)

380.14

380.63

363.81

369.98

344.77

333.88

299.76

Employee Cost

178.52

183.53

174.40

167.83

155.62

158.21

132.15

Other Operating Expenses

201.62

197.10

189.41

202.15

189.15

175.67

167.61

Operating Profit Before Provisions and Contingencies

436.00

428.18

373.49

351.82

364.03

386.61

414.27

Exceptional Items

0.00

Provisions and contingencies

75.00

70.00

39.00

32.00

46.00

56.00

152.00

Profit Before Tax

361.00

358.18

334.49

319.82

318.03

330.61

262.27

Tax

75.00

73.00

70.00

65.00

50.00

35.00

Profit After Tax

286.00

285.18

264.49

254.82

253.03

280.61

227.27

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

286.00

285.18

264.49

254.82

253.03

280.61

227.27

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

3.86

3.85

3.57

3.44

3.42

3.79

3.07

Diluted Earnings per share

3.83

3.82

3.54

3.42

3.39

3.75

3.05

Operating Profit Margin (Excl OI)

69.22%

68.57%

70.99%

70.75%

70.53%

70.1%

64.32%

Gross Profit Margin

24.41%

24.98%

24.09%

23.27%

23.98%

25.35%

20.71%

PAT Margin

19.34%

19.89%

19.05%

18.54%

19.08%

21.52%

17.95%

Net Interest Margin

3.58%

3.67%

3.54%

3.66%

3.5%

3.74%

3.67%

Return on Assets

0.0%

CASA (%)

0.0%

29.0%

30.0%

31.0%

29.0%

30.0%

30.77%

CASA Amount

16,131.90

16,893.40

16,195.00

17,050.10

15,358.90

15,590.30

15,893.10

Capital Adequacy Ratio (Total)

22.26%

22.98%

23.58%

23.73%

21.87%

22.21%

23.02%

Capital Adequacy Ratio (Tier 1)

21.29%

21.98%

22.55%

22.69%

20.83%

21.17%

21.98%

Provision Coverage Ratio (%)

77.0%

75.0%

73.0%

72.0%

71.0%

70.0%

Amount of Gross NPAs

1,693.04

1,725.50

1,806.45

1,854.43

1,968.11

2,034.63

2,081.07

Amount of Net NPAs

701.54

775.02

853.50

898.68

940.90

998.73

1,038.59

% of Net NPAs

1.42%

1.62%

1.87%

1.97%

2.19%

2.34%

2.51%

% of Gross NPAs

3.36%

3.54%

3.88%

3.99%

4.47%

4.66%

4.91%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1693.0

1682.0

1679.0

1677.0

1665.0

1662.0

1671.0

Number of Branches

822.0

812.0

800.0

772.0

752.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 3.12% vs 3.26% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is 0.29% vs 7.82% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is 1.83% vs 14.64% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.20% vs -0.25% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is -0.18% vs -0.34% in Sep 2024

Compare Quarterly Results Of City Union Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,478.74

7,829.14

-6,350.40

-81.11%

Income On Investments

268.91

1,416.82

-1,147.91

-81.02%

Interest On Balances With Rbi Other Inter Bank Funds

9.06

120.48

-111.42

-92.48%

Interest / Discount On Advances / Bills

1,198.96

5,904.92

-4,705.96

-79.7%

Others

1.81

386.92

-385.11

-99.53%

Other Income

228.39

1,512.01

-1,283.62

-84.89%

Total Income

1,707.12

9,341.15

-7,634.03

-81.72%

Interest Expended

890.99

5,605.62

-4,714.63

-84.11%

Net Interest Income

587.75

2,223.52

-1,635.77

-73.57%

Total Expenditure (Excl Depreciation)

380.14

2,656.51

-2,276.37

-85.69%

Employee Cost

178.52

1,003.87

-825.35

-82.22%

Other Operating Expenses

201.62

1,652.64

-1,451.02

-87.8%

Operating Profit Before Provisions and Contingencies

436.00

1,079.02

-643.02

-59.59%

Exceptional Items

0.00

Provisions and contingencies

75.00

258.68

-183.68

-71.01%

Profit Before Tax

361.00

820.34

-459.34

-55.99%

Tax

75.00

208.07

-133.07

-63.95%

Profit After Tax

286.00

612.27

-326.27

-53.29%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

286.00

612.27

-326.27

-53.29%

Face Value

1.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.86

0.20

3.66

1830.0%

Diluted Earnings per share

3.83

0.19

3.64

1915.79%

Operating Profit Margin (Excl OI)

69.22%

62.76%

0.00

6.46%

Gross Profit Margin

24.41%

10.48%

0.00

13.93%

PAT Margin

19.34%

7.82%

0.00

11.52%

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%

Quarterly - Interest Earned

Interest Earned 1478.74 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 3.12% vs 3.26% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 11.5% vs 10.0% in Dec 2023

Quarterly - Net Profit

Net Profit 286.00 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 0.29% vs 7.82% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 13.03% vs 16.15% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 436.00 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 1.83% vs 14.64% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 19.77% vs -26.80% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 1.42%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.20% vs -0.25% in Sep 2024

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

Quarterly - % of Gross NPAs

% of Gross NPAs 3.36%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.18% vs -0.34% in Sep 2024

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