City Union Bank Financial Statements

City Union Bank (CUB) reported revenue of ₹67.32B in FY2025 with net income of ₹11.24B. Total assets stood at ₹776.23B and free cash flow was ₹9.31B.

City Union Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		41.35B	41.05B	47.14B	52.71B	58.34B
Other Income		7.05B	7.59B	8.10B	7.42B	8.98B
Total Income		48.39B	48.64B	55.25B	60.12B	67.32B
Interest Exp. Interest Expenditure		23.05B	21.88B	25.52B	31.47B	35.18B
Op. Expense Operating Expense		10.51B	10.80B	11.55B	13.48B	15.35B
Provisions Provisions & Contingencies		8.91B	8.35B	8.81B	5.01B	5.55B
Net Income		5.93B	7.60B	9.37B	10.16B	11.24B
Dil. Shares Diluted Shares		743.66M	746.99M	746.02M	745.96M	745.58M
Diluted EPS		7.97	10.18	12.57	13.62	15.07

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows City Union Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

City Union Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		27.93B	29.65B	33.02B	46.15B	38.75B
Loans & adv. Loans & advances		361.58B	403.58B	430.53B	455.26B	520.81B
Investments		94.36B	122.21B	143.33B	156.64B	173.36B
Total assets		533.12B	615.31B	665.95B	708.26B	776.23B
Borrowings		13.46B	53.12B	46.88B	47.24B	21.69B
Deposits		445.37B	476.90B	523.98B	556.57B	635.26B
Total liabilities		474.69B	549.45B	591.37B	624.24B	681.57B
Total equity		58.42B	65.86B	74.57B	84.01B	94.67B
Total liab. & eq. Total liabilities & equity		533.12B	615.31B	665.95B	708.26B	776.23B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures City Union Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

City Union Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		5.93B	7.60B	9.37B	10.16B	11.24B
Operating CF Cash flow Operating Activities		9.22B	11.66B	1.00B	4.36B	11.28B
Capex Investments in PPE		-761.78M	-771.01M	-989.82M	-1.68B	-1.98B
Investing CF Cash flow Investing Activities		-379.56M	-628.40M	-718.85M	-1.06B	-1.20B
Dividend Paid		-16.81M	-375.77M	-741.51M	-741.29M	-1.11B
Financing CF Cash flow Financing Activities		95.69M	-307.92M	-661.67M	-355.34M	-26.62B
Cash (start) Cash at beginning of period		56.15B	56.15B	66.87B	66.49B	69.44B
Cash (end) Cash at end of period		56.15B	66.87B	66.49B	69.44B	52.91B
FCF Free Cash Flow		8.46B	10.88B	14.15M	2.68B	9.31B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how City Union Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025