City Union Bank Ltd released its financial results for the fourth quarter of FY25 on Friday, May 2, 2025.
In City Union Bank Ltd Q4 results, the bank posted a net profit of ₹288 crore, above market expectations of ₹283 crore. This marks a significant year-on-year (YoY) rise of 13% from ₹254.8 reported in the same quarter of the previous fiscal year.
For the final quarter of FY25, City Union Bank Ltd recorded a YoY rise of 9.8% in its net interest income (NII), reaching ₹600.3 crore. This figure is also below analysts’ forecasts of ₹609.4 crore and declined from ₹546.6 crore in the corresponding quarter last year.
Furthermore, the bank’s latest quarterly disclosure revealed a reduction in its net non-performing assets (NPA), which fell to ₹653 crore in Q4 FY25, an improvement from ₹898.7 crore reported in the same period the previous year.
City Union Bank Ltd Ltd. Q4 Results Highlights
In this table, you will get an overview of City Union Bank Ltd latest quarterly results:
| Q4 FY2024-25 | Q3 FY2024-25 | Q4 FY2023-24 | YoY Growth (%) | QoQ Growth (%) | |
| Total Income (₹ in crore) | ₹1,783.9 | ₹1,707.1 | ₹1,549.3 | 15.2% | 4.5% |
| Net profit (₹ in crore) | ₹288 | ₹286 | ₹254.8 | 13% | 0.7% |
| EPS (Diluted) | ₹3.9 | ₹3.8 | ₹3.4 | 14.7% | 2.6% |
City Union Bank Ltd’s Financial Results Comparison With the Previous Year
Here is a table of annual data comparison of City Union Bank Ltd Q4 2025 results:
| FY 2024-25 | FY 2023-24 | |
| Total Income (in crore) | ₹6,732.1 | ₹6,012.2 |
| Net profit (in crore) | ₹1,123.6 | ₹1,015.7 |
| EPS | ₹15 | ₹13.6 |
Updates Shared By City Union Bank Ltd in Latest Financial Results
During the announcements of City Union Bank Ltd Q4 results, the company’s management provided these key updates:
Dividend Announced of ₹2/Share
The Board of Directors has recommended a dividend of ₹2 per equity share, representing 200% of the face value of ₹1 per share, for the financial year 2024-25.
This dividend is subject to shareholder approval at the upcoming Annual General Meeting.
Key Facts and Figures
These are some of the key facts and figures to look for in Q4 City Union Bank Ltd results 2025:
- Deposits – ₹63,526 crore
- Net Interest Margin (NIM) – 3.60%
- Net NPA – 1.25%
- Advances – ₹53,066 crore
- No of Branches – 875
Q4 FY 25 Business Performance
The latest City Union Bank Ltd results highlight some of the key business updates:
- Deposits grew by 14% year-on-year, rising from ₹55,600 crore to ₹63,500 billion.
- Advances also increased by 14%, from ₹46,500 crore to ₹53,100 crore.
- Total business witnessed a 14% growth, reaching ₹1,16,600 crore from ₹1,02,100 crore.
Credit Ratings from Agencies
According to City Union Bank Ltd latest results, these are the credit ratings of the bank:
- ICRA: Assigned “AA-” for long-term instruments, indicating a high degree of safety for timely servicing of financial obligations, and “A1+” for Certificates of Deposit (CD), reflecting a very strong degree of safety for timely payments.
- CRISIL: Assigned “A1+” for CDs, denoting a very strong safety level for timely payment.
- CARE: Assigned “AA-” for long-term instruments, signifying a high degree of safety for timely servicing of financial obligations.
Revised Accounting Policy for Investments and Transitional Adjustments
The Bank has revised its accounting policy for investments from April 1, 2024, in line with RBI’s updated guidelines. Investments have been reclassified and valued accordingly.
Transitional adjustments of ₹8.3 crore (AFS) and ₹19.7 crore (HTM/FVTPL) were credited to reserves. Net valuation gains of ₹28.7 crore (AFS) and ₹0.1 crore (FVTPL) were recognised.
Provision for Unhedged Foreign Currency Exposure
Based on the available financial statements of its constituents, the Bank has estimated its liability arising from its unhedged foreign currency exposures, as per the RBI Circular DOR.MRG.REC.76/00-00-007/2022-23 dated October 11, 2022.
Accordingly, the Bank has maintained a provision of ₹2.7 crore as of March 31, 2025.
Equity Shares Allotted to Employees
During the year ending March 31, 2025, the Bank allotted 3,13,830 equity shares of face value ₹1 each to its employees, following the exercise of stock options by them.
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