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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Revenue over the Year and quarter: The company experienced a substantial growth of 11.5 % in the past year, substantial increase in revenue by 3.12 %. 🔹 Profit over the Year and quarter: Significant improvement in profitability for CITY UNION BANK LTD.. Notable increase of 13.03 % in net profit Year to Year, CITY UNION BANK LTD.’s profitability increased by 0.29 % in this quarter. 🔹 EPS over the Year and quarter: EPS increased by 12.87 % Year to Year. EPS increased by 0.26 % in previous quarter. Positive impact on shareholders. 🔹 Gross NPA % over the Year and quarter: Gross NPA decreased by -5.08 % this quarter. Leading to a -24.83 % reduction over the past year.🔹 Net NPA % over the Year and quarter: Net NPA decreased by -12.35 % this quarter. Contributing to an overall annual reduction of -35.16 %.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Revenue | Rs. 1326.24 Cr | Rs. 1433.95 Cr | Rs. 1478.74 Cr | + 3.12 % | + 11.5 % |
| Interest | Rs. 810.31 Cr | Rs. 851.46 Cr | Rs. 890.99 Cr | + 4.64 % | + 9.96 % |
| Expenses | Rs. 390.78 Cr | Rs. 450.63 Cr | Rs. 455.14 Cr | + 1 % | + 16.47 % |
| Financing Profit | Rs. 125.15 Cr | Rs. 131.86 Cr | Rs. 132.61 Cr | + 0.57 % | + 5.96 % |
| Financing Margin % | 9.44 % | 9.2 % | 8.97 % | -0.23 % | -0.47 % |
| Other Income | Rs. 192.88 Cr | Rs. 226.32 Cr | Rs. 228.39 Cr | + 0.91 % | + 18.41 % |
| Depreciation | Rs. 0 Cr | Rs. 0 Cr | Rs. 0 Cr | 0 % | 0 % |
| Profit before tax | Rs. 318.03 Cr | Rs. 358.18 Cr | Rs. 361 Cr | + 0.79 % | + 13.51 % |
| Tax % | 20.44 % | 20.38 % | 20.78 % | + 0.4 % | + 0.34 % |
| Net Profit | Rs. 253.03 Cr | Rs. 285.18 Cr | Rs. 286 Cr | + 0.29 % | + 13.03 % |
| EPS in Rs | Rs. 3.39 | Rs. 3.82 | Rs. 3.83 | + 0.26 % | + 12.98 % |
| Gross NPA % | 4.47 % | 3.54 % | 3.36 % | -0.18 % | -1.11 % |
| Net NPA % | 2.19 % | 1.62 % | 1.42 % | -0.2 % | -0.77 % |
Today, we’re looking at CITY UNION BANK LTD.’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year revenue growth of 11.5 %. However, it did see a marginal increase of 3.12 % from the previous quarter. Interest expenses surged remarkably by 4.64 % from the previous quarter, yet the year-over-year increase remains at a moderate 9.96 %. Expenses ticked up slightly by 1 % quarter-on-quarter, aligning with the annual rise of 16.47 %.
Financing profit, while up 5.96 % compared to last year, faced a quarter-on-quarter increase of 0.57 %, signaling a short-term expansion in margins. The Financing Margin % contradicts this narrative, showing weakness on an annual basis with a decrease of -0.47 %, but a shrinkage of -0.23 % sequentially. Other income rose by 0.91 % compared to the last quarter, despite an annual growth of 18.41 %. Profit before tax grew annually by 13.51 % but saw an increase from the preceding quarter by 0.79 %. Tax expenses as a percentage of profits increased slightly by 0.34 % compared to last year, With a more notable quarter-on-quarter increase of 0.4 %.
Net profit rose by 13.03 % year-on-year, but experienced a 0.29 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 12.98 % but a quarterly rise of 0.26 %. The Gross NPA % indicates concerning trends with a quarterly drop of -0.18 % and an annual decline of -1.11 %, pointing to weakening recovery efforts and a deteriorating credit environment. In contrast, the Net NPA% exposes underlying challenges, showing a quarterly decrease of -0.2 % and an annual decline of -0.77 %, reflecting persistent vulnerabilities in asset quality and risk management. In summary, CITY UNION BANK LTD.’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Revenue | Rs. 1326.24 Cr | Rs. 1433.95 Cr | Rs. 1478.74 Cr | + 3.12 % | + 11.5 % |
| Interest | Rs. 810.31 Cr | Rs. 851.46 Cr | Rs. 890.99 Cr | + 4.64 % | + 9.96 % |
| Expenses | Rs. 390.78 Cr | Rs. 450.63 Cr | Rs. 455.14 Cr | + 1 % | + 16.47 % |
| Financing Profit | Rs. 125.15 Cr | Rs. 131.86 Cr | Rs. 132.61 Cr | + 0.57 % | + 5.96 % |
| Net Profit | Rs. 253.03 Cr | Rs. 285.18 Cr | Rs. 286 Cr | + 0.29 % | + 13.03 % |
| EPS in Rs | Rs. 3.39 | Rs. 3.82 | Rs. 3.83 | + 0.26 % | + 12.98 % |
| Gross NPA % | 4.47 % | 3.54 % | 3.36 % | -0.18 % | -1.11 % |
| Net NPA % | 2.19 % | 1.62 % | 1.42 % | -0.2 % | -0.77 % |
In reviewing CITY UNION BANK LTD.’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 11.5 % year-on-year growth, however, there was a minor increase of 3.12 % from the previous quarter. Interest expenses climbed by 4.64 % quarterly and sharply by 9.96 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 16.47 % compared to the previous year, with a 1 % increase quarter-on-quarter. Financing Profit surged by 5.96 % annually, and saw a 0.57 % increase from the last quarter.
Net Profit showed yearly increase of 13.03 %, and experienced a 0.29 % increase from the previous quarter. Earnings Per Share (EPS) rose by 12.98 % annually, however rose by 0.26 % compared to the last quarter. Gross NPA% decreased by -0.18 % quarterly and fell by -1.11 % annually, showcasing improvements in asset quality. Net NPA% worsened by -0.2 % quarterly and decreased by -0.77 % annually, showcasing effective recovery and risk management strategies. In essence, while CITY UNION BANK LTD. exhibits strong annual growth indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.
