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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹2,316 Cr on total income of ₹7,805 Cr.
Cost-to-income ratio at 47.8%. Provision coverage at 3.4% of income.
“earlier, we said we will be growing from low to mid teens. So now we say mid to high teens.”
“deposits also had a growth of 21%”
“Registered 21% advance growth in Q3 FY26, advances increased to INR 60,892 crores from INR 50,409 crores in Q3 FY25”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 12.6% | 12.6% |
| Net Margin | 14.4%▲ | 12.3% |
| EBITDA Margin | 72.2%▲ | 68.7% |
| Debt To Equity | 7.41x▼ | 7.75x |
| NIM | 4.5%▼ | 390.0% |
| Cost To Income | 47.8% | - |
| Credit Deposit Ratio | 82.00x | 83.00x |
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| (₹ Cr) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹4,672 Cr +12.5% | ₹4,153 Cr +9.3% | ₹3,801 Cr +10.0% | ₹3,454 Cr -1.5% | ₹3,508 Cr +0.4% | ₹3,495 Cr +10.0% | ₹3,178 Cr |
| Income on Investments | ₹1,073 Cr +11.9% | ₹959 Cr +14.8% | ₹835 Cr +32.5% | ₹631 Cr +8.2% | ₹583 Cr -4.4% | ₹610 Cr +10.2% | ₹554 Cr |
| ₹898 Cr +21.1% | ₹742 Cr -8.5% | ₹810 Cr +6.8% | ₹759 Cr +7.7% | ₹705 Cr +3.7% | ₹680 Cr +32.2% | ₹514 Cr | |
| Total Income | ₹6,732 Cr +12.0% | ₹6,012 Cr +8.8% | ₹5,525 Cr +13.6% | ₹4,864 Cr +0.5% | ₹4,839 Cr -0.2% | ₹4,849 Cr +13.2% | ₹4,282 Cr |
| Interest Expended | ₹3,518 Cr +11.8% | ₹3,147 Cr +23.3% | ₹2,552 Cr +16.6% | ₹2,188 Cr -5.1% | ₹2,305 Cr -7.6% | ₹2,493 Cr +15.7% | ₹2,156 Cr |
| Employee Cost | ₹733 Cr +19.4% | ₹614 Cr +15.7% | ₹530 Cr +5.3% | ₹504 Cr +8.6% | ₹464 Cr +10.2% | ₹421 Cr +15.4% | ₹364 Cr |
| Other Operating Expenses | ₹802 Cr +9.2% | ₹735 Cr +17.6% | ₹625 Cr +8.3% | ₹577 Cr -1.7% | ₹587 Cr -1.0% | ₹593 Cr +13.7% | ₹521 Cr |
| Provisions & Contingencies | ₹262 Cr -8.4% | ₹286 Cr -55.3% | ₹641 Cr +5.0% | ₹610 Cr -22.9% | ₹791 Cr +4.8% | ₹755 Cr +139.6% | ₹315 Cr |
| Total Expenditure | ₹5,053 Cr +12.4% | ₹4,495 Cr +21.3% | ₹3,707 Cr +13.4% | ₹3,269 Cr -2.6% | ₹3,356 Cr -4.3% | ₹3,507 Cr +15.3% | ₹3,042 Cr |
| Profit Before Tax | ₹1,417 Cr +15.1% | ₹1,231 Cr +4.5% | ₹1,177 Cr +19.5% | ₹985 Cr +42.2% | ₹693 Cr +18.2% | ₹586 Cr -36.6% | ₹925 Cr |
| Tax | ₹293 Cr +36.3% | ₹215 Cr -10.4% | ₹240 Cr +6.7% | ₹225 Cr +125.0% | ₹100 Cr -9.1% | ₹110 Cr -54.5% | ₹242 Cr |
| Net Profit | ₹1,124 Cr +10.6% | ₹1,016 Cr +8.3% | ₹937 Cr +23.3% | ₹760 Cr +28.2% | ₹593 Cr +24.5% | ₹476 Cr -30.2% | ₹683 Cr |
| EPS | ₹15.16 | ₹13.71 | ₹12.66 | ₹10.28 | ₹8.02 | ₹6.46 | ₹9.30 |
| Diluted Shares | ₹74 Cr | ₹74 Cr | ₹74 Cr | ₹74 Cr | ₹74 Cr | ₹74 Cr | ₹73 Cr |
| Other Interest | ₹8 Cr +107.0% | ₹4 Cr +23.6% | ₹3 Cr -23.5% | ₹4 Cr -34.5% | ₹7 Cr -29.1% | ₹9 Cr -26.2% | ₹13 Cr |
| Non Performing Assets | ₹653 Cr -27.3% | ₹899 Cr -11.7% | ₹1,018 Cr -14.6% | ₹1,191 Cr +10.8% | ₹1,075 Cr +38.1% | ₹778 Cr +31.6% | ₹591 Cr |
| Gross Non Performing Assets | ₹1,638 Cr -11.7% | ₹1,854 Cr -3.4% | ₹1,920 Cr -0.7% | ₹1,933 Cr +2.1% | ₹1,893 Cr +33.9% | ₹1,413 Cr +44.7% | ₹977 Cr |
| Interest (RBI & Others) | ₹80 Cr -48.1% | ₹154 Cr +105.6% | ₹75 Cr +369.7% | ₹16 Cr -57.4% | ₹37 Cr -31.6% | ₹55 Cr +135.1% | ₹23 Cr |
City Union Bank Limited has informed the Exchange about Allotment of Bonus Equity Shares
City Union Bank Limited has informed the Exchange about Schedule of meet
Submission of eVoting result along with copy Scrutinizers report of Postal Ballot.
City Union Bank Limited has informed the Exchange about Schedule of meet
City Union Bank Limited has informed the Exchange about General Updates u/r 30 of SEBI Listing Regulations , 2015 as amended
RBI has accorded its approval to Kotak Mahindra Bank Limited to acquire aggregate holding of up to 9.99% of the paid up share capital or voting rights in our Bank
Earnings Call Transcript - Q4 & FY 2026
City Union Bank Limited has informed the Exchange regarding Change in Director(s) of the company.
Paper Advertisement - Notice of Postal Ballot to the Members
Newspaper Advertisement on Audited Standalone Financial Results Q4 FY 2026
City Union Bank Limited has informed the Exchange about OUTCOME
City Union Bank Limited has informed the Exchange about Link of Recording for Q4 & FY 2026
City Union Bank Limited has informed the Exchange regarding the Amendment to AOA/MOA of the company.
City Union Bank Limited has informed the Exchange regarding Change in Director(s) of the company.
City Union Bank Limited has informed the Exchange that Board of Directors at its meeting held on April 27, 2026, recommended Final Dividend of Rs. 2 per equity share.