INTEGRATED FILING — BANKING



General information about company

Scrip code 532210
NSE Symbol CUB
MSEI Symbol NA
ISIN INE491A01021
Name of bank CITY UNION BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 31-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 21-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 31-Jul-2025   14:00:00
End date and time of board meeting 31-Jul-2025   16:20:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 12902241000 12902241000
Income on investments 2864082000 2864082000
Interest on balances with reserve bank of India and other inter bank funds 263394000 263394000
Others 23554000 23554000
Total interest earned 16053271000 16053271000
2 Other income 2438769000 2438769000
3 Total income 18492040000 18492040000
Expenses
4 Interest expenses 9800405000 9800405000
5 Operating expenses
(i) Employees cost 2005965000 2005965000
(ii) Details of other operating expenses
Description of other operating expenses
1 OTHER OPERATING EXPENSES 2176474000 2176474000
Total other operating Expenses 2176474000 2176474000
Total Operating Expenses 4182439000 4182439000
6 Total expenditure excluding provisions and contingencies 13982844000 13982844000
7 Operating profit before provision and contingencies 4509196000 4509196000
8 Provisions other than tax and contingencies 700000000 700000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3809196000 3809196000
11 Provision for Tax 750000000 750000000
12 Net profit (loss) from ordinary activities after tax 3059196000 3059196000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 3059196000 3059196000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 3059196000 3059196000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 741008000 741008000
Face value of equity share capital 1 1
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 22.09 22.09
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.13 4.13
Diluted earnings per share before extraordinary items 4.1 4.1
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.13 4.13
Diluted earnings per share after extraordinary items 4.1 4.1
(iv) NPA Ratios
Amount of gross non-performing assets 16169840000 16169840000
Amount of net non-performing assets 6345506000 6345506000
% of gross NPAs 2.99 2.99
% of net NPAs 1.2 1.2
Return on assets 1.55 1.55
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 TREASURY 3771900000 3771900000
2 CORPORATE WHOLESALE BANKING 3882100000 3882100000
3 RETAIL BANKING 10608900000 10608900000
4 OTHER BANKING OPERATIONS 229100000 229100000
Total Segment Revenue 18492000000 18492000000
Less: Inter segment revenue 0
Income from operations 18492000000 18492000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 TREASURY 1942400000 1942400000
2 CORPORATE WHOLESALE BANKING 775400000 775400000
3 RETAIL BANKING 1588200000 1588200000
4 OTHER BANKING OPERATIONS 203200000 203200000
Total Profit before tax 4509200000 4509200000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 4509200000 4509200000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 TREASURY 212125700000 212125700000
2 CORPORATE WHOLESALE BANKING 154555100000 154555100000
3 RETAIL BANKING 404597400000 404597400000
4 OTHER BANKING OPERATIONS 0 0
5 TREASURY 212125700000 212125700000
6 CORPORATE WHOLESALE BANKING 154555100000 154555100000
7 RETAIL BANKING 404597400000 404597400000
8 OTHER BANKING OPERATIONS 0 0
Total Segment Assets 771278200000 771278200000
Un-allocable Assets 26717000000 26717000000
Net Segment Assets 797995200000 797995200000
4 Segment Liabilities
Segment Liabilities
1 TREASURY 185592400000 185592400000
2 CORPORATE WHOLESALE BANKING 137441500000 137441500000
3 RETAIL BANKING 359767100000 359767100000
4 OTHER BANKING OPERATIONS 0 0
5 TREASURY 185592400000 185592400000
6 CORPORATE WHOLESALE BANKING 137441500000 137441500000
7 RETAIL BANKING 359767100000 359767100000
8 OTHER BANKING OPERATIONS 0 0
Total Segment Liabilities 682801000000 682801000000
Un-allocable Liabilities 17511400000 17511400000
Net Segment Liabilities 700312400000 700312400000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 P B VIJAYARAGAHVAN AND CO Yes 31-Mar-2026
2 M SRINIVASAN AND ASSOCIATES Yes 28-Feb-2027


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 17459981000 REPRESENTS TOTAL BORROWINGS OF THE BANK