Financials of City Union Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of City Union Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,2281,2661,3041,3261,3741,3891,4341,4791,5331,6051,6531,7561,856
Interest7147447668108288438518919329809871,0041,070
Expenses +451452390391402403451455489488512580617
Financing Profit6371149125145142132133112137154172169
Financing Margin %5%6%11%9%11%10%9%9%7%9%9%10%9%
Other Income +195191182193175192226228251244259245290
Depreciation0000000000000
Profit before tax258262331318320334358361363381414417460
Tax %16%13%15%20%20%21%20%21%21%20%21%20%22%
Net Profit +218227281253255264285286288306329332360
EPS in Rs2.943.073.793.423.443.573.853.863.894.134.434.484.84
Gross NPA %4.37%4.91%4.66%4.47%3.99%3.88%3.54%3.36%3.09%2.99%2.42%2.17%1.91%
Net NPA %2.36%2.51%2.34%2.19%1.97%1.87%1.62%1.42%1.25%1.20%0.90%0.78%0.68%

Financials of City Union Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +2,6992,9443,1743,4023,7674,1694,1354,1054,7145,2715,8346,870
Interest1,8911,9631,9751,9722,1562,4932,3052,1882,5523,1473,5184,040
Expenses +6557369371,1201,1401,6901,7381,6051,7231,5591,7162,197
Financing Profit153245262310472-1592311440564600632
Financing Margin %6%8%8%9%13%-0%2%8%9%11%10%9%
Other Income +4154104845325146806897598107428981,039
Depreciation47525352627987857375820
Profit before tax5216036937909255866939851,1771,2311,4171,671
Tax %24%26%27%25%26%19%14%23%20%17%21%21%
Net Profit +3954455035926834765937609371,0161,1241,326
EPS in Rs5.476.146.918.109.306.468.0210.2812.6613.7115.1617.85
Dividend Payout %17%16%4%3%5%8%6%10%8%11%13%11%

Financials of City Union Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital606060667374747474747474
Reserves2,6362,9923,5104,0974,7675,2225,7696,5127,3838,3279,39310,491
Deposits24,11527,15830,11632,85338,44840,83244,53747,69052,39855,65763,52678,308
Borrowing1296655311,7364812,0321,3465,3124,6884,7242,1695,327
Other Liabilities +9329291,0541,1861,4891,5731,5861,9442,0512,0442,4612,825
Total Liabilities27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024
Fixed Assets +210218215223250245233215239270322469
CWIP000000000000
Investments5,8716,8267,0317,8797,7129,1179,43612,22114,33315,66417,33618,987
Other Assets +21,79024,76028,02431,83537,29740,37243,64349,09552,02354,89159,96577,569
Total Assets27,87131,80435,27139,93745,25949,73453,31261,53166,59570,82677,62397,024

Financials of City Union Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +131248284-1834191,8369221,1667244361,128802
Cash from Investing Activity +-64-60-50-61-87-60-38-63-72-106-120-208
Cash from Financing Activity +291-75-41-5-1810-31-690-36-2,6623,042
Net Cash Flow357113229-2433271,7588931,072-38294-1,6533,637
Free Cash Flow66188233-2443321,7778841,1036523301,009595
CFO/OP14%10%17%-3%23%73%41%47%31%16%32%22%

Financials of City Union Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16%15%15%15%15%9%11%12%13%13%13%13%