City Union Bank Balance Sheet Health
Financial Health criteria checks 4/6
City Union Bank has total assets of ₹713.7B and total equity of ₹88.8B. Total deposits are ₹573.7B, and total loans are ₹477.7B earning a Net Interest Margin of 3.7%. It has insufficient allowance for bad loans, which are currently at 3.6% of total loans. Cash and short-term investments are ₹38.7B.
Key information
8x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | ₹573.69b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₹38.72b |
Recent financial health updates
No updates
Recent updates
Here's Why We Think City Union Bank (NSE:CUB) Might Deserve Your Attention Today
Jan 10
With EPS Growth And More, City Union Bank (NSE:CUB) Makes An Interesting Case
Oct 01Here's Why We Think City Union Bank (NSE:CUB) Is Well Worth Watching
Jun 26City Union Bank (NSE:CUB) Is Paying Out A Dividend Of ₹1.00
Aug 04Should You Be Adding City Union Bank (NSE:CUB) To Your Watchlist Today?
Feb 24Should You Be Adding City Union Bank (NSE:CUB) To Your Watchlist Today?
Sep 03City Union Bank (NSE:CUB) Is Paying Out A Larger Dividend Than Last Year
Jul 30City Union Bank Limited's (NSE:CUB) CEO Might Not Expect Shareholders To Be So Generous This Year
Aug 12City Union Bank Ltd. (NSE:CUB) Insiders Have Been Selling
Feb 25Introducing City Union Bank (NSE:CUB), The Stock That Zoomed 152% In The Last Five Years
Jan 30Here's What City Union Bank Ltd.'s (NSE:CUB) Shareholder Ownership Structure Looks Like
Jan 04This Insider Has Just Sold Shares In City Union Bank Ltd. (NSE:CUB)
Nov 12City Union Bank (NSE:CUB) Shareholders Have Enjoyed An Impressive 106% Share Price Gain
Oct 22What You Need To Know About City Union Bank Ltd.'s (NSE:CUB) Investor Composition
Sep 21Trade Alert: The Independent Non-Executive Director Of City Union Bank Ltd. (NSE:CUB), Narayanan Vellur Shankar, Has Just Spent ₹3.2m Buying 3.6% More Shares
Aug 26Should You Or Shouldn't You: A Dividend Analysis on City Union Bank Ltd. (NSE:CUB)
Aug 20City Union Bank (NSE:CUB) Shareholders Booked A 50% Gain In The Last Five Years
Jul 24Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CUB's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: CUB has a low allowance for bad loans (52%).
Low Risk Liabilities: 92% of CUB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CUB has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: CUB's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: CUB has a high level of bad loans (3.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/10 18:41 |
| End of Day Share Price | 2025/01/10 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
City Union Bank Limited is covered by 39 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Nitin Bhasin | Ambit Capital |
| Pankaj Agarwal | Ambit Capital |
| Yuvraj Choudhary | Anand Rathi Shares and Stock Brokers Limited |