	C 2012 Mar 31	2013 Mar 31	C 2014 Mar 31	C 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	500	624	759	807	981	1,199	1,430	1,611	1,675	1,830	1,916	2,163	2,123	2,316	2,830
Non-Interest Revenue	57	77	96	-	170	250	218	142	300	377	312	222	199	231	-
Total Revenue	557	701	855	807	1,152	1,448	1,648	1,753	1,975	2,206	2,228	2,385	2,323	2,547	2,830
Total Operating Expenses	214	298	442	297	548	756	858	831	1,264	1,483	1,240	1,172	1,111	1,124	1,154
Operating Profit	343	403	413	510	603	693	790	922	711	724	988	1,213	1,212	1,423	1,676
Operating Margin	61.6	57.5	48.3	63.2	52.4	47.8	47.9	52.6	36.0	32.8	44.3	50.8	52.2	55.9	59.2
Profit before Taxes	343	403	414	521	603	693	790	925	586	693	985	1,177	1,231	1,417	1,671
Income Taxes	63	81	67	126	158	190	198	242	110	100	225	240	215	293	345
Profit after Tax	280	322	347	395	445	503	592	683	476	593	760	937	1,016	1,124	1,326
PAT Margin	50.3	46.0	40.6	48.9	38.6	34.7	35.9	39.0	24.1	26.9	34.1	39.3	43.7	44.1	46.9
EPS - Basic - ex Extraordinary Items	4.79	5.49	5.53	5.64	6.14	6.94	8.35	9.57	6.48	8.03	10.29	12.67	13.72	15.17	17.88
EPS - Diluted - ex Extraordinary Items	4.75	5.45	5.49	5.48	6.01	6.81	8.32	9.49	6.41	7.97	10.18	12.57	13.62	15.07	17.83
EBIT	343	403	413	510	603	693	790	922	711	724	988	1,213	1,212	1,423	1,676
EBITDA	357	427	451	546	656	746	842	984	790	811	1,073	1,286	1,287	1,505	1,784
EBITDA Margin	64.0	61.0	52.7	67.6	56.9	51.5	51.1	56.1	40.0	36.8	48.1	53.9	55.4	59.1	63.0

Balance Sheet

Abridged

Understanding Balance Sheet

City Union Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	1,136	1,770	1,930	2,537	2,650	2,879	2,636	2,963	4,682	5,615	6,687	6,649	6,944	5,291	8,927
Lending & LT Balance with Banks	-	-	250	-	-	-	-	-	40	-	-	-	-	-	-
Property Plant & Equipment - Net	98	141	183	210	218	215	223	250	245	233	215	239	270	322	469
Total Assets	18,351	22,977	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	97,024
Deposits - Total	16,341	20,305	22,017	24,075	27,158	30,116	32,853	38,448	40,832	44,537	47,690	52,398	55,657	63,526	78,308
Long Term Debt	41	193	157	121	665	531	1,736	481	2,032	1,346	292	814	670	823	5,327
Total Liabilities	17,108	21,336	22,969	25,176	28,752	31,701	35,774	40,418	44,437	47,469	54,945	59,137	62,424	68,157	86,460
Total Shareholders' Equity	1,243	1,641	2,025	2,696	3,052	3,570	4,163	4,841	5,296	5,842	6,586	7,457	8,401	9,467	10,565
Total Equity	1,243	1,641	2,025	2,696	3,052	3,570	4,163	4,841	5,296	5,842	6,586	7,457	8,401	9,467	10,565
Total Liabilities & Equity	18,351	22,977	24,994	27,871	31,804	35,271	39,937	45,259	49,734	53,312	61,531	66,595	70,826	77,623	97,024

Cash Flow

Abridged

Understanding Cash Flow Statement

City Union Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	C 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	491	387	640	464	792	742	975	1,020	1,212	1,178	1,402	1,503	1,305	1,574	1,889
Working Capital - Increase/(Decrease)	-725	103	-56	-197	-1,039	-325	-2,363	653	-928	430	-4,203	-779	-869	-446	-1,087
Net CF from Operating Activities	-234	490	584	267	-247	417	-1,388	1,674	285	1,609	-2,801	724	436	1,128	802
Capital Expenditures - Net	43	68	79	64	60	50	61	87	60	38	63	72	106	120	208
Net CF from Investing Activities	-43	-68	-79	-64	-60	-50	-61	-87	-60	-38	-63	-72	-106	-120	-208
Dividends Paid - Cash - Total	34	40	47	54	66	17	20	22	37	2	38	74	74	111	148
Stock - Issuance/(Retirement) - Net	0	7	7	5	0	0	0	0	0	0	0	0	0	0	0
Debt - LT & ST - Issuance/(Retirement) - Total	163	128	-172	-136	496	-134	1,205	-1,255	1,551	-687	3,966	-624	36	-2,555	3,157
Net Cash Flow from Financing Activities	126	212	-96	155	421	-138	1,206	-1,260	1,533	-677	3,935	-690	-36	-2,662	3,042
Free Cash Flow to Equity	-114	550	333	66	188	233	-244	332	1,777	884	1,103	29	366	-1,546	3,752
Free Operating CF net dividend	-312	378	442	149	-374	349	-1,469	1,562	173	1,531	-2,915	551	194	819	302
Free Operating CF	-278	419	490	202	-308	366	-1,449	1,584	210	1,532	-2,878	625	268	931	450

Business Segment Analysis

FY End:

Mar 25

City Union Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail Banking (59.0%)₹ 3,971.61 CrCorporate/wholesale Banking (20.8%)₹ 1,402.61 CrTreasury (18.4%)₹ 1,239.50 CrOther Banking Operations (1.8%)₹ 118.38 Cr

Assets

Retail Banking (51.2%)₹ 39,746.85 CrTreasury (25.9%)₹ 20,071.99 CrCorporate/wholesale Banking (19.8%)₹ 15,355.74 CrUnallocated (3.2%)₹ 2,448.63 Cr

Operating Income

Retail Banking (41.0%)₹ 687.69 CrTreasury (36.9%)₹ 619.90 CrCorporate/wholesale Banking (15.6%)₹ 262.18 CrOther Banking Operations (6.5%)₹ 108.86 Cr

Regional Segment Analysis

FY End:

Mar 25

City Union Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 2,547.08 Cr

Assets

India (100.0%)₹ 77,623.21 Cr

Historical Segment Analysis

Track how City Union Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for City Union Bank Ltd..

Frequently Asked Questions

What is the revenue of City Union Bank Ltd.?

The latest trailing twelve month revenue of City Union Bank Ltd. is ₹ 3,868.66 Cr, reflecting a 1-year growth of 20.12% and a 3-year CAGR of 8.74%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of City Union Bank Ltd.?

The latest trailing twelve month net profit (PAT) of City Union Bank Ltd. is ₹ 1,326.23 Cr, with a 3-year earnings CAGR of 12.37%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of City Union Bank Ltd.?

The trailing twelve month EBITDA of City Union Bank Ltd. is approximately ₹ 1,676.23 Cr (based on an operating margin of 43.33%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of City Union Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of City Union Bank Ltd. is 13.37. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of City Union Bank Ltd.?

The debt-to-equity ratio of City Union Bank Ltd. stands at 0.50. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of City Union Bank Ltd.?

The estimated book value per share of City Union Bank Ltd. is 106.21 (derived from a P/B ratio of 2.04 and market price of ₹ 216.93), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of City Union Bank Ltd.?

The trailing twelve month operating cash flow of City Union Bank Ltd. is ₹ 802.47 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does City Union Bank Ltd. report consolidated or standalone financials?

City Union Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.