City Union Bank Limited
City Union Bank Limited provides various banking products and services in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, current, staff salary, and resident foreign currency accounts; fixed, recurring, flexifix, and income tax saver deposits; personal and agricultural gold, personal, consumer, h… Read more
City Union Bank Limited (CUB) - Net Assets
Latest net assets as of September 2025: ₹99.26 Billion INR
Based on the latest financial reports, City Union Bank Limited (CUB) has net assets worth ₹99.26 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹844.02 Billion) and total liabilities (₹744.76 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹99.26 Billion |
| % of Total Assets | 11.76% |
| Annual Growth Rate | 20.15% |
| 5-Year Change | 62.03% |
| 10-Year Change | 210.18% |
| Growth Volatility | 10.38 |
City Union Bank Limited - Net Assets Trend (2005–2025)
This chart illustrates how City Union Bank Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for City Union Bank Limited (2005–2025)
The table below shows the annual net assets of City Union Bank Limited from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹94.67 Billion | +12.68% |
| 2024-03-31 | ₹84.01 Billion | +12.66% |
| 2023-03-31 | ₹74.57 Billion | +13.23% |
| 2022-03-31 | ₹65.86 Billion | +12.72% |
| 2021-03-31 | ₹58.42 Billion | +10.32% |
| 2020-03-31 | ₹52.96 Billion | +9.41% |
| 2019-03-31 | ₹48.41 Billion | +16.27% |
| 2018-03-31 | ₹41.63 Billion | +16.61% |
| 2017-03-31 | ₹35.70 Billion | +16.98% |
| 2016-03-31 | ₹30.52 Billion | +13.22% |
| 2015-03-31 | ₹26.96 Billion | +33.12% |
| 2014-03-31 | ₹20.25 Billion | +23.42% |
| 2013-03-31 | ₹16.41 Billion | +31.98% |
| 2012-03-31 | ₹12.43 Billion | +23.49% |
| 2011-03-31 | ₹10.07 Billion | +21.92% |
| 2010-03-31 | ₹8.26 Billion | +24.92% |
| 2009-03-31 | ₹6.61 Billion | +16.59% |
| 2008-03-31 | ₹5.67 Billion | +55.00% |
| 2007-03-31 | ₹3.66 Billion | +27.81% |
| 2006-03-31 | ₹2.86 Billion | +18.87% |
| 2005-03-31 | ₹2.41 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to City Union Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 328489.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹1.54 Billion | 1.63% |
| Common Stock | ₹740.99 Million | 0.78% |
| Other Comprehensive Income | ₹83.30 Billion | 87.99% |
| Other Components | ₹9.09 Billion | 9.60% |
| Total Equity | ₹94.67 Billion | 100.00% |
City Union Bank Limited Competitors by Market Cap
The table below lists competitors of City Union Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
TOMRA SYSTEMS ASA NK-50
F:TMRA
|
$1.93 Billion |
|
Patanjali Foods Limited
NSE:PATANJALI
|
$1.93 Billion |
|
North Industries Group Red Arrow Co Ltd
SHE:000519
|
$1.93 Billion |
|
BTS Group Holdings Public Company Limited
PINK:BTGWF
|
$1.93 Billion |
|
Offshore Oil Engineering Co Ltd
SHG:600583
|
$1.92 Billion |
|
Xiangtan Electric Manufacturing Co Ltd
SHG:600416
|
$1.92 Billion |
|
Hisense Electric Co Ltd
SHG:600060
|
$1.92 Billion |
|
Droneshield Ltd
AU:DRO
|
$1.92 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in City Union Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 84,014,315,000 to 94,666,172,000, a change of 10,651,857,000 (12.7%).
- Net income of 11,236,263,000 contributed positively to equity growth.
- Dividend payments of 1,111,000,000 reduced retained earnings.
- New share issuances of 42,500,000 increased equity.
- Other comprehensive income increased equity by 10,193,943,000.
- Other factors decreased equity by 9,709,849,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹11.24 Billion | +11.87% |
| Dividends Paid | ₹1.11 Billion | -1.17% |
| Share Issuances | ₹42.50 Million | +0.04% |
| Other Comprehensive Income | ₹10.19 Billion | +10.77% |
| Other Changes | ₹-9.71 Billion | -10.26% |
| Total Change | ₹- | 12.68% |
Book Value vs Market Value Analysis
This analysis compares City Union Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.89x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 39.84x to 1.89x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹6.03 | ₹240.05 | x |
| 2006-03-31 | ₹7.16 | ₹240.05 | x |
| 2007-03-31 | ₹9.15 | ₹240.05 | x |
| 2008-03-31 | ₹11.91 | ₹240.05 | x |
| 2009-03-31 | ₹12.47 | ₹240.05 | x |
| 2010-03-31 | ₹15.41 | ₹240.05 | x |
| 2011-03-31 | ₹17.73 | ₹240.05 | x |
| 2012-03-31 | ₹21.05 | ₹240.05 | x |
| 2013-03-31 | ₹27.76 | ₹240.05 | x |
| 2014-03-31 | ₹32.02 | ₹240.05 | x |
| 2015-03-31 | ₹37.98 | ₹240.05 | x |
| 2016-03-31 | ₹41.22 | ₹240.05 | x |
| 2017-03-31 | ₹48.33 | ₹240.05 | x |
| 2018-03-31 | ₹58.52 | ₹240.05 | x |
| 2019-03-31 | ₹67.29 | ₹240.05 | x |
| 2020-03-31 | ₹71.30 | ₹240.05 | x |
| 2021-03-31 | ₹78.56 | ₹240.05 | x |
| 2022-03-31 | ₹88.16 | ₹240.05 | x |
| 2023-03-31 | ₹99.96 | ₹240.05 | x |
| 2024-03-31 | ₹112.63 | ₹240.05 | x |
| 2025-03-31 | ₹126.97 | ₹240.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently City Union Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.87%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.69%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 8.20x
- Recent ROE (11.87%) is below the historical average (15.86%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 19.24% | 14.29% | 0.09x | 14.52x | ₹222.47 Million |
| 2006 | 19.70% | 15.41% | 0.09x | 14.42x | ₹277.59 Million |
| 2007 | 19.64% | 15.81% | 0.08x | 14.66x | ₹352.39 Million |
| 2008 | 17.95% | 14.82% | 0.09x | 12.96x | ₹450.45 Million |
| 2009 | 18.48% | 13.16% | 0.10x | 14.00x | ₹560.43 Million |
| 2010 | 18.50% | 13.89% | 0.10x | 14.00x | ₹702.01 Million |
| 2011 | 21.36% | 15.63% | 0.09x | 14.50x | ₹1.14 Billion |
| 2012 | 22.54% | 14.78% | 0.10x | 14.76x | ₹1.56 Billion |
| 2013 | 19.63% | 13.08% | 0.11x | 14.00x | ₹1.58 Billion |
| 2014 | 17.14% | 12.29% | 0.11x | 12.34x | ₹1.45 Billion |
| 2015 | 14.65% | 12.73% | 0.11x | 10.34x | ₹1.25 Billion |
| 2016 | 14.57% | 13.26% | 0.11x | 10.24x | ₹1.39 Billion |
| 2017 | 14.08% | 13.93% | 0.10x | 9.88x | ₹1.46 Billion |
| 2018 | 14.22% | 15.05% | 0.10x | 9.59x | ₹1.76 Billion |
| 2019 | 14.11% | 16.04% | 0.09x | 9.35x | ₹1.99 Billion |
| 2020 | 8.99% | 9.76% | 0.10x | 9.39x | ₹-532.91 Million |
| 2021 | 10.15% | 12.30% | 0.09x | 9.12x | ₹85.75 Million |
| 2022 | 11.54% | 15.63% | 0.08x | 9.34x | ₹1.02 Billion |
| 2023 | 12.57% | 16.97% | 0.08x | 8.93x | ₹1.92 Billion |
| 2024 | 12.09% | 16.89% | 0.08x | 8.43x | ₹1.76 Billion |
| 2025 | 11.87% | 16.69% | 0.09x | 8.20x | ₹1.77 Billion |
Industry Comparison
This section compares City Union Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $170,748,839,316
- Average return on equity (ROE) among peers: -0.23%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| City Union Bank Limited (CUB) | ₹99.26 Billion | 19.24% | 7.50x | $1.93 Billion |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |