City Union Bank Limited (CUB) - Net Assets

Latest as of September 2025: Rs99.26 Billion INR ≈ $1.07 Billion USD

Based on the latest financial reports, City Union Bank Limited (CUB) has net assets worth Rs99.26 Billion INR (≈ $1.07 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs844.02 Billion ≈ $9.13 Billion USD) and total liabilities (Rs744.76 Billion ≈ $8.05 Billion USD). 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. Check CUB asset resilience ratio to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs99.26 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. Also explore City Union Bank Limited balance sheet assets for the complete picture of this company's asset base.

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. For live valuation and market cap data, see CUB stock market capitalisation.

Year	Net Assets	Change
2025-03-31	Rs94.67 Billion ≈ $1.02 Billion	+12.68%
2024-03-31	Rs84.01 Billion ≈ $908.58 Million	+12.66%
2023-03-31	Rs74.57 Billion ≈ $806.47 Million	+13.23%
2022-03-31	Rs65.86 Billion ≈ $712.22 Million	+12.72%
2021-03-31	Rs58.42 Billion ≈ $631.84 Million	+10.32%
2020-03-31	Rs52.96 Billion ≈ $572.75 Million	+9.41%
2019-03-31	Rs48.41 Billion ≈ $523.51 Million	+16.27%
2018-03-31	Rs41.63 Billion ≈ $450.24 Million	+16.61%
2017-03-31	Rs35.70 Billion ≈ $386.10 Million	+16.98%
2016-03-31	Rs30.52 Billion ≈ $330.06 Million	+13.22%
2015-03-31	Rs26.96 Billion ≈ $291.51 Million	+33.12%
2014-03-31	Rs20.25 Billion ≈ $218.99 Million	+23.42%
2013-03-31	Rs16.41 Billion ≈ $177.43 Million	+31.98%
2012-03-31	Rs12.43 Billion ≈ $134.44 Million	+23.49%
2011-03-31	Rs10.07 Billion ≈ $108.86 Million	+21.92%
2010-03-31	Rs8.26 Billion ≈ $89.29 Million	+24.92%
2009-03-31	Rs6.61 Billion ≈ $71.48 Million	+16.59%
2008-03-31	Rs5.67 Billion ≈ $61.30 Million	+55.00%
2007-03-31	Rs3.66 Billion ≈ $39.55 Million	+27.81%
2006-03-31	Rs2.86 Billion ≈ $30.95 Million	+18.87%
2005-03-31	Rs2.41 Billion ≈ $26.03 Million	--

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	Rs1.54 Billion	1.63%
Common Stock	Rs740.99 Million	0.78%
Other Comprehensive Income	Rs83.30 Billion	87.99%
Other Components	Rs9.09 Billion	9.60%
Total Equity	Rs94.67 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
Nicolet Bankshares Inc. NYSE:NIC	$2.17 Billion
Atul Limited NSE:ATUL	$2.17 Billion
Zhejiang Jinke Peroxides Co Ltd SHE:300459	$2.17 Billion
ERMENEGILDO ZEG.DL -0001 F:JN0	$2.17 Billion
Nanjing King-friend Biochemical Pharmaceutical Co Ltd SHG:603707	$2.17 Billion
Wuxi Shangji Automation Co Ltd SHG:603185	$2.17 Billion
Nextnav Acquisition Corp NASDAQ:NN	$2.17 Billion
Xiamen Intretech Inc Class A SHE:002925	$2.17 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	Rs11.24 Billion	+11.87%
Dividends Paid	Rs1.11 Billion	-1.17%
Share Issuances	Rs42.50 Million	+0.04%
Other Comprehensive Income	Rs10.19 Billion	+10.77%
Other Changes	Rs-9.71 Billion	-10.26%
Total Change	Rs-	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: 2.13x
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 44.82x to 2.13x 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	Rs6.03	Rs270.09	x
2006-03-31	Rs7.16	Rs270.09	x
2007-03-31	Rs9.15	Rs270.09	x
2008-03-31	Rs11.91	Rs270.09	x
2009-03-31	Rs12.47	Rs270.09	x
2010-03-31	Rs15.41	Rs270.09	x
2011-03-31	Rs17.73	Rs270.09	x
2012-03-31	Rs21.05	Rs270.09	x
2013-03-31	Rs27.76	Rs270.09	x
2014-03-31	Rs32.02	Rs270.09	x
2015-03-31	Rs37.98	Rs270.09	x
2016-03-31	Rs41.22	Rs270.09	x
2017-03-31	Rs48.33	Rs270.09	x
2018-03-31	Rs58.52	Rs270.09	x
2019-03-31	Rs67.29	Rs270.09	x
2020-03-31	Rs71.30	Rs270.09	x
2021-03-31	Rs78.56	Rs270.09	x
2022-03-31	Rs88.16	Rs270.09	x
2023-03-31	Rs99.96	Rs270.09	x
2024-03-31	Rs112.63	Rs270.09	x
2025-03-31	Rs126.97	Rs270.09	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	Rs222.47 Million
2006	19.70%	15.41%	0.09x	14.42x	Rs277.59 Million
2007	19.64%	15.81%	0.08x	14.66x	Rs352.39 Million
2008	17.95%	14.82%	0.09x	12.96x	Rs450.45 Million
2009	18.48%	13.16%	0.10x	14.00x	Rs560.43 Million
2010	18.50%	13.89%	0.10x	14.00x	Rs702.01 Million
2011	21.36%	15.63%	0.09x	14.50x	Rs1.14 Billion
2012	22.54%	14.78%	0.10x	14.76x	Rs1.56 Billion
2013	19.63%	13.08%	0.11x	14.00x	Rs1.58 Billion
2014	17.14%	12.29%	0.11x	12.34x	Rs1.45 Billion
2015	14.65%	12.73%	0.11x	10.34x	Rs1.25 Billion
2016	14.57%	13.26%	0.11x	10.24x	Rs1.39 Billion
2017	14.08%	13.93%	0.10x	9.88x	Rs1.46 Billion
2018	14.22%	15.05%	0.10x	9.59x	Rs1.76 Billion
2019	14.11%	16.04%	0.09x	9.35x	Rs1.99 Billion
2020	8.99%	9.76%	0.10x	9.39x	Rs-532.91 Million
2021	10.15%	12.30%	0.09x	9.12x	Rs85.75 Million
2022	11.54%	15.63%	0.08x	9.34x	Rs1.02 Billion
2023	12.57%	16.97%	0.08x	8.93x	Rs1.92 Billion
2024	12.09%	16.89%	0.08x	8.43x	Rs1.76 Billion
2025	11.87%	16.69%	0.09x	8.20x	Rs1.77 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: $114,894,385,667
Average return on equity (ROE) among peers: 5.92%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
City Union Bank Limited (CUB)	Rs99.26 Billion	19.24%	7.50x	$2.17 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About City Union Bank Limited

NSE:CUB India Banks - Regional

Market Cap

$2.17 Billion

Rs200.69 Billion INR

Market Cap Rank

#5957 Global

#258 in India

Share Price

Rs270.09

Change (1 day)

-2.62%

52-Week Range

Rs177.65 - Rs301.75

All Time High

Rs301.75