Stock Report

City Union Bank posts net profit of Rs. 287.96 crores in Q4 FY2025

Posted On : 2025-05-03 12:55:56( TIMEZONE : IST )

City Union Bank Limited has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 1783.9415 crores during the period ended March 31, 2025 as compared to Rs. 1707.1236 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 287.9634 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. 285.9954 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 3.86 for the period ended March 31, 2025 as compared to Rs. 3.83 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹ 1783.9415 crs	₹1707.1236 crs	4.50%
Net Profit	₹287.9634 crs	₹285.9954 crs	0.69%
EPS	₹3.86	₹3.83	0.78%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs. 1783.9415 crores during the period ended March 31, 2025 as compared to Rs.1549.3450 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs.287.9634 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.254.8186 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.3.86 for the period ended March 31, 2025 as compared to Rs.3.42 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹ 1783.9415 crs	₹1549.3450 crs	15.14%
Net Profit	₹287.9634 crs	₹254.8186 crs	13.01%
EPS	₹3.86	₹3.42	12.87%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.6732.1049 crores during the Financial Year ended March 31, 2025 as compared to Rs.6012.2204 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.1123.6262 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.1015.7309 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.15.07 for the Financial Year ended March 31, 2025 as compared to Rs.13.62 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹6732.1049 crs	₹6012.2204 crs	11.97%
Net Profit	₹1123.6262 crs	₹1015.7309 crs	10.62%
EPS	₹15.07	₹13.62	10.65%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹1638.1689 crs	₹1693.0358 crs	₹1854.4304 crs
Gross NPA %	3.09%	3.36%	3.99%
Net NPA	₹653.0666 crs	₹701.5402 crs	₹898.6772 crs
Net NPA %	1.25%	1.42%	1.97%

Gross NPA was at ₹ 1638.1689 crs in Q4 FY2025 against ₹ 1854.4304 crs in Q4 FY2024. The same was at ₹ 1693.0358 crs in Q3 FY2025.

Net NPA was at ₹ 653.0666 crs in Q4 FY2025 against ₹ 898.6772 crs in Q4 FY2024. The same was at ₹ 701.5402 crs in Q3 FY2025.

GNPA was at 3.09% of Gross advances as on March 31, 2025 as compared to 3.99% as on March 31, 2024 and 3.36% as of December 31, 2024.

Net NPA was at 1.25% of Gross advances as on March 31, 2025 as compared to 1.97% as on March 31, 2024 and 1.42% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	1.53%	1.57%	1.48%
CAR (BASEL III) %	23.75%	22.26%	23.73%

Return on Average Assets (RoA) is at 1.53% for Q4 FY2025 against 1.57% in Q3 FY2025 and 1.48% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 23.75%, as compared to 22.26% in Q3 FY2025 and 23.73% in Q4 FY2024.

Shares of City Union Bank Limited was last trading in BSE at Rs. 173.55 as compared to the previous close of Rs. 176.55. The total number of shares traded during the day was 36616 in over 818 trades.

The stock hit an intraday high of Rs. 178.75 and intraday low of 172.00. The net turnover during the day was Rs. 6376624.00.