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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
02-02-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
23-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
02-02-2026
14:00:00 |
| End date and time of board meeting |
02-02-2026 16:35:00
|
| 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 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
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
1,43,461.96 |
4,05,659.51 |
|
Income on investments |
29,372.57 |
86,769.42 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
2,567.93 |
8,067.49 |
|
Others |
165.84 |
917.41 |
|
Total interest earned |
1,75,568.30 |
5,01,413.83 |
| 2 |
Other income |
24,534.56 |
74,835.37 |
| 3 |
Total income |
2,00,102.86 |
5,76,249.20 |
|
Expenses
|
| 4 |
Interest expenses |
1,00,350.68 |
2,97,014.03 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
23,022.56 |
65,518.45 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
OTHER OPERATING EXPENSES |
25,413.53 |
70,250.11 |
|
Total other operating Expenses |
25,413.53 |
70,250.11 |
|
Total Operating Expenses |
48,436.09 |
1,35,768.56 |
| 6 |
Total expenditure excluding provisions and contingencies
| 1,48,786.77 |
4,32,782.59 |
| 7 |
Operating profit before provision and contingencies |
51,316.09 |
1,43,466.61 |
| 8 |
Provisions other than tax and contingencies |
9,600.00 |
22,300.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 41,716.09 |
1,21,166.61 |
| 11 |
Provision for Tax |
8,500.00 |
24,500.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
33,216.09 |
96,666.61 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
33,216.09 |
96,666.61 |
| 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
| 33,216.09 |
96,666.61 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 7,420.98 |
7,420.98 |
|
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 |
19.1800 |
19.1800 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 4.48 |
13.04 |
|
Diluted earnings per share before extraordinary items
| 4.46 |
12.99 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 4.48 |
13.04 |
|
Diluted earnings per share after extraordinary items
| 4.46 |
12.99 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 1,32,000.48 |
1,32,000.48 |
|
Amount of net non-performing assets
| 46,933.67 |
46,933.67 |
|
% of gross NPAs |
2.1700 |
2.1700 |
|
% of net NPAs
| 0.7800 |
0.7800 |
|
Return on assets
| 1.5300 |
1.5500 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
34,053.00 |
1,05,558.00 |
| 2 |
CORPORATE WHOLESALE BANKING |
46,509.00 |
1,26,044.00 |
| 3 |
RETAIL DIGITAL BANKING |
129.00 |
307.00 |
| 4 |
OTHER RETAIL BANKING |
1,14,887.00 |
3,33,925.00 |
| 5 |
OTHER BANKING OPERATIONS |
4,525.00 |
10,415.00 |
|
| Total Segment Revenue
| 2,00,103.00 |
5,76,249.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
2,00,103.00 |
5,76,249.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
TREASURY |
16,724.00 |
54,349.00 |
| 2 |
CORPORATE WHOLESALE BANKING |
7,273.00 |
21,731.00 |
| 3 |
RETAIL DIGITAL BANKING |
5.00 |
6.00 |
| 4 |
OTHER RETAIL BANKING |
23,088.00 |
57,818.00 |
| 5 |
OTHER BANKING OPERATIONS |
4,226.00 |
9,563.00 |
|
Total Profit before tax |
51,316.00 |
1,43,467.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
51,316.00 |
1,43,467.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
TREASURY |
22,24,053.00 |
22,24,053.00 |
| 2 |
CORPORATE WHOLESALE BANKING |
18,54,341.00 |
18,54,341.00 |
| 3 |
RETAIL DIGITAL BANKING |
50.00 |
50.00 |
| 4 |
OTHER RETAIL BANKING |
44,31,345.00 |
44,31,345.00 |
| 5 |
OTHER BANKING OPERATIONS |
0.00 |
0.00 |
|
Total Segment Assets |
85,09,789.00 |
85,09,789.00 |
|
Un-allocable Assets |
3,03,241.00 |
3,03,241.00 |
|
Net Segment Assets |
88,13,030.00 |
88,13,030.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
TREASURY |
19,60,973.00 |
19,60,973.00 |
| 2 |
CORPORATE WHOLESALE BANKING |
16,58,814.00 |
16,58,814.00 |
| 3 |
RETAIL DIGITAL BANKING |
44.00 |
44.00 |
| 4 |
OTHER RETAIL BANKING |
39,63,782.00 |
39,63,782.00 |
| 5 |
OTHER BANKING OPERATIONS |
0.00 |
0.00 |
| |
Total Segment Liabilities |
75,83,613.00 |
75,83,613.00 |
| |
Un-allocable Liabilities |
2,03,010.00 |
2,03,010.00 |
|
Net Segment Liabilities |
77,86,623.00 |
77,86,623.00 |
|
Disclosure of notes on segments |
|
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
PB VIJAYARAGHAVAN AND CO |
Yes |
31-03-2026 |
| 2 |
M SRINIVASAN & ASSOCIATES |
Yes |
28-02-2027 |
Format for Disclosing Outstanding Default on Loans and Debt Securities
Amount in (Lakhs)
| Sr. No. |
Particulars |
Amount |
Remarks |
| 1. |
Loans / revolving facilities like cash credit
from banks / financial institutions |
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 2. |
Unlisted debt securities i.e. NCDs and NCRPS
|
| A |
Total amount outstanding as on date |
0.00 |
|
| B |
Of the total amount outstanding, amount of default as on date |
0.00 |
|
| 3. |
Total financial indebtedness of the listed entity including short-term
and long-term debt |
4,51,584.50 |
|