Income Statement City Union Bank Limited

Equities

CUB

INE491A01021

Banks

Market Closed - NSE India S.E. Other stock markets 09:10:31 2026-03-11 am EDT			5-day change	1st Jan Change
247.05 ^INR	-1.73%		-5.36%	-15.04%

Mar. 09	City Union Bank to Launch AI Center of Excellence for Banking; Shares Fall 4%	MT
Mar. 06	City Union Bank Opens Two New Branches in India	MT

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Published financial data: CITY UNION BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	41.35B	41.05B	47.14B	52.71B	58.34B
Interest Income, Total	41.35B	41.05B	47.14B	52.71B	58.34B
Interest On Deposits	23.05B	21.88B	25.52B	31.47B	35.18B
Interest Expense, Total	23.05B	21.88B	25.52B	31.47B	35.18B
Net Interest Income	18.3B	19.16B	21.63B	21.23B	23.16B
Gain (Loss) on Sale of Assets	2.49M	1.42M	1.26M	256K	495K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.33B	513M	-279M	516M	483M
Total Other Non Interest Income	4.71B	7.08B	8.38B	6.9B	8.5B
Non Interest Income, Total	7.05B	7.59B	8.1B	7.42B	8.98B
Revenues Before Provison For Loan Losses	25.34B	26.76B	29.73B	28.65B	32.14B
Provision For Loan Losses	7.91B	6.1B	6.4B	2.86B	2.62B
Total Revenues	17.43B	20.65B	23.33B	25.79B	29.52B
Salaries And Other Employee Benefits	4.64B	5.04B	5.3B	6.14B	7.33B
Occupancy Expense	3.29B	3.18B	3.3B	3.98B	4.36B
Selling General & Admin Expenses, Total	486M	584M	656M	662M	724M
Total Other Non Interest Expense	2.09B	2B	2.29B	2.71B	2.93B
Non Interest Expense, Total	10.51B	10.8B	11.55B	13.48B	15.35B
EBT, Excl. Unusual Items	6.93B	9.85B	11.77B	12.31B	14.17B
EBT, Incl. Unusual Items	6.93B	9.85B	11.77B	12.31B	14.17B
Income Tax Expense	1B	2.25B	2.4B	2.15B	2.93B
Earnings From Continuing Operations	5.93B	7.6B	9.37B	10.16B	11.24B
Net Income to Company	5.93B	7.6B	9.37B	10.16B	11.24B
Net Income - (IS)	5.93B	7.6B	9.37B	10.16B	11.24B
Net Income to Common Incl Extra Items	5.93B	7.6B	9.37B	10.16B	11.24B
Net Income to Common Excl. Extra Items	5.93B	7.6B	9.37B	10.16B	11.24B
Per Share Items
Net EPS - Basic	8.03	10.29	12.67	13.72	15.17
Basic EPS - Continuing Operations	8.03	10.29	12.67	13.72	15.17
Basic Weighted Average Shares Outstanding	738M	739M	740M	740M	741M
Net EPS - Diluted	7.97	10.18	12.57	13.62	15.07
Diluted EPS - Continuing Operations	7.97	10.18	12.57	13.62	15.07
Diluted Weighted Average Shares Outstanding	744M	747M	746M	746M	746M
Normalized Basic EPS	5.87	8.33	9.95	10.39	11.95
Normalized Diluted EPS	5.82	8.24	9.86	10.31	11.88
Dividend Per Share	0.5	1	1	1	2
Payout Ratio	0.28	4.94	7.91	-	9.89
Supplemental Items
Effective Tax Rate - (Ratio)	14.43	22.84	20.38	17.47	20.68
Current Domestic Taxes	1.96B	1.66B	2.06B	1.97B	2.64B
Total Current Taxes	1.96B	1.66B	2.06B	1.97B	2.64B
Deferred Domestic Taxes	-960M	592M	340M	182M	287M
Total Deferred Taxes	-960M	592M	340M	182M	287M
Normalized Net Income	4.33B	6.16B	7.36B	7.69B	8.85B
Non-Cash Pension Expense	300M	220M	270M	226M	99.1M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	36.18B	45.45B	40.38B	33B	21.98B
Investment Securities, Total	94.36B	122B	143B	157B	173B
Total investments	94.36B	122B	143B	157B	173B
Gross Loans	370B	412B	440B	465B	531B
Allowance For Loan Losses	-8.63B	-7.98B	-9.18B	-9.55B	-9.85B
Net Loans	362B	404B	431B	455B	521B
Gross Property Plant And Equipment	7.97B	8.6B	9.39B	10.35B	11.55B
Accumulated Depreciation	-5.65B	-6.46B	-7B	-7.65B	-8.33B
Net Property Plant And Equipment	2.33B	2.15B	2.39B	2.7B	3.22B
Accrued Interest Receivable	1.06B	1.41B	1.66B	2.12B	3.15B
Restricted Cash	19.97B	21.42B	26.11B	36.44B	30.93B
Other Current Assets, Total	9.86B	10.45B	11.09B	12.46B	11.64B
Other Long-Term Assets, Total	7.79B	8.63B	10.45B	9.63B	11.14B
Total Assets	533B	615B	666B	708B	776B
Liabilities
Interest Bearing Deposits	408B	431B	476B	502B	575B
Non-Interest Bearing Deposits	37.54B	46.19B	47.64B	54.89B	60.74B
Total Deposits	445B	477B	524B	557B	635B
Current Portion of Long-Term Debt	10.97B	50.2B	38.74B	40.54B	13.47B
Long-Term Debt	2.49B	2.92B	8.14B	6.7B	8.23B
Accrued Interest Payable	2.31B	2.18B	2.83B	3.19B	3.69B
Other Current Liabilities - (Bank / Utility Template)	1.85B	4.75B	3.72B	3.1B	4.73B
Other Non Current Liabilities	11.7B	12.5B	13.96B	14.15B	16.19B
Total Liabilities	475B	549B	591B	624B	682B
Common Stock, Total	739M	740M	740M	741M	741M
Additional Paid In Capital	8.87B	8.94B	9.02B	9.04B	9.09B
Retained Earnings	45.37B	52.68B	60.88B	70.11B	79.82B
Comprehensive Income and Other	3.45B	3.5B	3.94B	4.12B	5.02B
Total Common Equity	58.42B	65.86B	74.57B	84.01B	94.67B
Total Equity	58.42B	65.86B	74.57B	84.01B	94.67B
Total Liabilities And Equity	533B	615B	666B	708B	776B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	739M	740M	740M	741M	741M
ECS Total Common Shares Outstanding	739M	740M	740M	741M	741M
Book Value / Share	79.08	89.05	100.72	113.43	127.76
Tangible Book Value	58.42B	65.86B	74.57B	84.01B	94.67B
Tangible Book Value Per Share	79.08	89.05	100.72	113.43	127.76
Total Debt	13.46B	53.12B	46.88B	47.24B	21.69B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.05B	1.1B	1.17B	1.12B	958M
Net Debt	-22.72B	7.67B	6.5B	14.24B	-284M
Full Time Employees	5.84K	5.37K	6.02K	7.19K	7.6K
Number Of Offices	702	727	752	800	875

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	5.93B	7.6B	9.37B	10.16B	11.24B
Depreciation, Depletion & Amortization	875M	850M	729M	754M	816M
Total Depreciation, Depletion & Amortization	875M	850M	729M	754M	816M
(Gain) Loss On Sale of Asset - (CF)	-2.49M	-1.42M	-1.26M	-256K	-494K
(Gain) Loss on Sale of Investments - (CF)	-2.33B	-621M	-431M	-516M	553M
Change in Other Net Operating Assets (Collected)	-39.61B	-33.89B	-61.11B	-41.28B	-83.15B
Other Operating Activities	7.32B	6.19B	5.36B	2.66B	3.14B
Cash from Operations	-27.83B	-19.87B	-46.08B	-28.23B	-67.41B
Capital Expenditure	-762M	-771M	-990M	-1.68B	-1.98B
Sale of Property, Plant, and Equipment	382M	143M	271M	619M	781M
Cash from Investing	-380M	-628M	-719M	-1.06B	-1.2B
Long-Term Debt Issued, Total	-	-	-	361M	-
Total Debt Issued	-	-	-	361M	-
Long-Term Debt Repaid, Total	-	-	-	-	-25.55B
Total Debt Repaid	-	-	-	-	-25.55B
Issuance of Common Stock	112M	67.85M	79.84M	25.32M	42.56M
Common Dividends Paid	-16.81M	-376M	-742M	-	-1.11B
Common & Preferred Stock Dividends Paid	-16.81M	-376M	-742M	-	-1.11B
Net Increase (Decrease) in Deposit Accounts - (CF)	37.05B	31.52B	47.08B	32.59B	78.69B
Other Financing Activities, Total	-	-	-	-741M	-
Cash from Financing	37.14B	31.22B	46.42B	32.23B	52.08B
Net Change in Cash	8.93B	10.72B	-377M	2.94B	-16.53B
Supplemental Items
Cash Income Tax Paid (Refund)	674M	209M	1.93B	2.38B	2.04B
Net Debt Issued / Repaid	-	-	-	361M	-25.55B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.15	1.32	1.46	1.48	1.51
Return On Equity %	10.64	12.23	13.35	12.81	12.58
Return on Common Equity	10.64	12.23	13.35	12.81	12.58
Shareholders Value Added	-755M	145M	949M	642M	515M
Margin Analysis
SG&A Margin	51.34	45.45	42.4	44.44	44.57
Net Interest Income / Total Revenues %	104.95	92.79	92.72	82.33	78.45
EBT Excl. Non-Recurring Items Margin %	39.74	47.7	50.48	47.72	47.99
Income From Continuing Operations Margin %	34	36.8	40.19	39.38	38.07
Net Income Margin %	34	36.8	40.19	39.38	38.07
Net Avail. For Common Margin %	34	36.8	40.19	39.38	38.07
Normalized Net Income Margin	24.84	29.81	31.55	29.82	30
Asset quality
Nonperforming Loans / Total Loans %	5.11	4.7	4.37	3.99	3.09
Nonperforming Loans / Total Assets %	3.55	3.14	2.88	2.62	2.11
Nonperforming Assets / Total Assets %	3.55	3.14	2.88	2.62	2.11
NPAs / Loans and OREO	5.11	4.7	4.37	3.99	3.09
NPAs / Equity	32.4	29.35	25.75	22.07	17.3
Allowance for Credit Losses / Net Charge-offs %	360.01	199.91	619.79	23.02K	6.88K
Allowance for Credit Losses / Nonperforming Loans %	45.57	41.26	47.79	51.51	60.11
Allowance for Credit Losses / Total Loans %	2.33	1.94	2.09	2.06	1.86
Provision for Loan Losses / Net Charge-offs %	330.09	152.94	432.59	6.89K	1.83K
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.81	10.82	10.96	11.54	12.04
Total Average Equity / Total Average Assets %	10.81	10.82	10.96	11.54	12.04
Total Equity + Allowance for Loan Losses / Total Loans %	18.11	17.94	19.05	20.13	19.7
Gross Loans / Total Deposits %	83.12	86.3	83.92	83.51	83.53
Net Loans / Total Deposits %	81.19	84.63	82.17	81.8	81.98
Tier 1 Capital Ratio %	18.45	19.78	21.27	22.69	22.7
Total Capital Ratio %	19.52	20.85	22.34	23.73	23.75
Core Tier 1 Capital Ratio	18.45	19.78	21.27	22.69	22.7
Tier 2 Capital Ratio	1.07	1.07	1.07	1.04	1.05
Interbank Ratio	2.45K	7.73K	1.61K	53.51K	1.53K
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.3	1.45	1.46	1.39	1.4
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	9.22	4.75	12.85	-1.82	9.05
Non Interest Income, 1 Yr. Growth %	3.65	10.21	6.75	-8.48	21.09
Provision For Loan Losses, 1 Yr. Growth %	4.76	-21.27	4.97	-55.35	-8.39
Total Revenues, 1 Yr. Growth %	8.96	18.47	12.94	10.57	14.45
Earnings From Cont. Operations, 1 Yr. Growth %	24.46	28.23	23.33	8.35	10.62
Net Income, 1 Yr. Growth %	24.46	28.23	23.33	8.35	10.62
Normalized Net Income, 1 Yr. Growth %	18.17	42.2	19.52	4.52	15.1
Diluted EPS Before Extra, 1 Yr. Growth %	24.34	27.73	23.48	8.35	10.65
Dividend Per Share, 1 Yr. Growth %	0	100	0	0	100
Gross Loans, 1 Yr. Growth %	7.07	11.17	6.84	5.71	14.17
Allowance For Loan Losses, 1 Yr. Growth %	33.02	-7.6	15.06	4.1	3.08
Net Loans, 1 Yr. Growth %	6.57	11.62	6.68	5.74	14.4
Non Performing Loans, 1 Yr. Growth %	33.95	2.11	-0.67	-3.42	-11.66
Non Performing Assets, 1 Yr. Growth %	33.95	2.11	-0.67	-3.42	-11.66
Total Assets, 1 Yr. Growth %	7.19	15.42	8.23	6.35	9.6
Total Deposits, 1 Yr Growth %	9.07	7.08	9.87	6.22	14.14
Tangible Book Value, 1 Yr. Growth %	10.32	12.72	13.23	12.66	12.68
Common Equity, 1 Yr. Growth %	10.32	12.72	13.23	12.66	12.68
Total Equity, 1 Yr. Growth %	10.32	12.72	13.23	12.66	12.68
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.55	6.96	8.72	5.26	3.47
Non Interest Income, 2 Yr. CAGR %	17.05	5.66	8.47	-1.15	5.27
Provision For Loan Losses, 2 Yr. CAGR %	58.43	-10.11	-9.09	-31.54	-36.04
Total Revenues, 2 Yr. CAGR %	-1.88	13.62	15.67	11.75	12.49
Earnings From Cont. Operations, 2 Yr. CAGR %	-6.83	26.33	25.75	15.59	9.48
Net Income, 2 Yr. CAGR %	-6.83	26.33	25.75	15.59	9.48
Normalized Net Income, 2 Yr. CAGR %	-13.45	29.62	30.37	11.77	9.69
Diluted EPS Before Extra, 2 Yr. CAGR %	-8.36	26.02	25.59	15.67	9.49
Dividend Per Share, 2 Yr. CAGR %	0	41.42	41.42	0	41.42
Gross Loans, 2 Yr. CAGR %	5.81	9.1	8.98	6.27	9.86
Allowance For Loan Losses, 2 Yr. CAGR %	48.37	10.89	3.11	9.44	3.59
Net Loans, 2 Yr. CAGR %	5.2	9.07	9.12	6.21	9.99
Non Performing Loans, 2 Yr. CAGR %	39.2	16.95	0.71	-2.05	-7.63
Non Performing Assets, 2 Yr. CAGR %	39.2	16.95	0.71	-2.05	-7.63
Total Assets, 2 Yr. CAGR %	8.53	11.23	11.77	7.29	7.96
Total Deposits, 2 Yr CAGR %	7.63	8.07	8.47	8.03	10.11
Tangible Book Value, 2 Yr. CAGR %	9.86	11.51	12.98	12.95	12.67
Common Equity, 2 Yr. CAGR %	9.86	11.51	12.98	12.95	12.67
Total Equity, 2 Yr. CAGR %	9.86	11.51	12.98	12.95	12.67
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	8.55	5.95	8.89	5.09	6.51
Non Interest Income, 3 Yr. CAGR %	9.82	13.85	6.02	2.5	5.76
Provision For Loan Losses, 3 Yr. CAGR %	23.71	24.64	-5.34	-28.27	-24.56
Total Revenues, 3 Yr. CAGR %	4.12	4.48	13.39	13.94	12.64
Earnings From Cont. Operations, 3 Yr. CAGR %	0.05	3.64	25.32	19.66	13.91
Net Income, 3 Yr. CAGR %	0.05	3.64	25.32	19.66	13.91
Normalized Net Income, 3 Yr. CAGR %	-4.28	2.13	26.17	21.11	12.87
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.42	2.37	25.17	19.56	13.97
Dividend Per Share, 3 Yr. CAGR %	22.39	25.99	25.99	25.99	25.99
Gross Loans, 3 Yr. CAGR %	9.45	7.57	8.34	7.88	8.84
Allowance For Loan Losses, 3 Yr. CAGR %	30.77	26.72	12.26	3.44	7.28
Net Loans, 3 Yr. CAGR %	9.09	7.3	8.26	7.98	8.87
Non Performing Loans, 3 Yr. CAGR %	30.26	25.54	10.75	-0.68	-5.37
Non Performing Assets, 3 Yr. CAGR %	30.26	25.54	10.75	-0.68	-5.37
Total Assets, 3 Yr. CAGR %	10.11	10.78	10.22	9.93	8.05
Total Deposits, 3 Yr CAGR %	10.68	7.44	8.67	7.71	10.03
Tangible Book Value, 3 Yr. CAGR %	11.96	10.81	12.08	12.87	12.86
Common Equity, 3 Yr. CAGR %	11.96	10.81	12.08	12.87	12.86
Total Equity, 3 Yr. CAGR %	11.96	10.81	12.08	12.87	12.86
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	13.28	9.84	8.62	5.67	6.69
Non Interest Income, 5 Yr. CAGR %	11.44	9.42	8.78	7.59	5.72
Provision For Loan Losses, 5 Yr. CAGR %	27.96	15.18	8.92	-1.92	-19.08
Total Revenues, 5 Yr. CAGR %	8.48	8.37	8.59	7.33	13.03
Earnings From Cont. Operations, 5 Yr. CAGR %	5.92	8.62	9.63	8.27	18.73
Net Income, 5 Yr. CAGR %	5.92	8.62	9.63	8.27	18.73
Normalized Net Income, 5 Yr. CAGR %	2.83	7.3	8.31	5.88	19.3
Diluted EPS Before Extra, 5 Yr. CAGR %	5.81	8.37	8.61	7.49	18.65
Dividend Per Share, 5 Yr. CAGR %	-12.8	32.17	29.68	14.87	31.95
Gross Loans, 5 Yr. CAGR %	11.74	11.29	9.26	7.05	8.95
Allowance For Loan Losses, 5 Yr. CAGR %	34.47	23.31	18.92	19.51	8.71
Net Loans, 5 Yr. CAGR %	11.42	11.11	9.1	6.86	8.95
Non Performing Loans, 5 Yr. CAGR %	29.89	23.17	17.52	13.67	3
Non Performing Assets, 5 Yr. CAGR %	29.89	23.17	17.52	13.67	3
Total Assets, 5 Yr. CAGR %	10.88	11.77	10.77	9.37	9.31
Total Deposits, 5 Yr CAGR %	10.4	9.63	9.79	7.68	9.24
Tangible Book Value, 5 Yr. CAGR %	13.87	13.03	12.36	11.66	12.32
Common Equity, 5 Yr. CAGR %	13.87	13.03	12.36	11.66	12.32
Total Equity, 5 Yr. CAGR %	13.87	13.03	12.36	11.66	12.32