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Risk Disclosures on Derivatives

>9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
>On an average, loss makers registered net trading loss close to ₹ 50,000.
>Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
>Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

CITY UNION BANK LTD.

NSE : CUBBSE : 532210ISIN CODE : INE491A01021Industry : Bank - PrivateHouse : City Union Bank

BSE213.852.55 (+1.21 %)

PREV CLOSE ( ) 211.30

OPEN PRICE ( ) 212.30

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 44954

TODAY'S LOW / HIGH ( )211.60 217.15

52 WK LOW / HIGH ( )144 232.7

NSE213.852.53 (+1.2 %)

PREV CLOSE( ) 211.32

OPEN PRICE ( ) 213.50

BID PRICE (QTY) 213.85 (32)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 935920

TODAY'S LOW / HIGH( ) 211.60 217.00

52 WK LOW / HIGH ( )142.91 232.55

Select year

(Rs.in Million)

Particulars

Mar 2025

Mar 2024

Mar 2023

Mar 2022

Mar 2021

I. INCOME

Interest Earned

58340.43

52705.65

47143.37

41047.79

41346.85

Interest / Discount on advances / Bills

46721.45

41533.81

38009.03

34539.89

35078.11

Interest on balances with RBI and other Inter-bank funds

801.12

1542.17

749.95

159.68

374.78

Income on investments

10733.47

9588.91

8351.39

6305.07

5828.09

Others

84.39

40.77

33.00

43.15

65.88

Other Income

8980.62

7416.55

8103.59

7590.84

6887.67

Commission,exchange and brokerage

1384.21

948.46

631.48

549.70

513.96

Profit / (loss)on sale of investments(net)

552.31

326.39

76.32

621.00

2334.07

Profit on sale of Fixed Assets

0.50

0.26

1.27

1.42

2.49

Foreign Exchange Gains

377.13

717.96

1516.02

1947.42

919.08

Income earned from subsidiaries/joint venture

Rent / Lease Income

Provisions Written Back

Miscellaneous income

6666.47

5423.49

5878.51

4471.31

3118.07

Total Income

67321.05

60122.20

55246.96

48638.63

48234.52

II. EXPENDITURE

Interest Expended

35183.29

31471.01

25515.41

21882.91

23050.18

Intereston Deposits

32774.10

28989.97

22804.63

21196.92

22347.46

Interest on RBI / inter-bank borrowings

1472.14

1826.33

1832.74

480.93

293.26

Other Interest

937.06

654.72

878.04

205.05

409.46

Operating Expenses

15351.50

13483.89

11551.76

10802.61

10505.93

Payments to and provisions for employees

7329.99

6138.12

5303.73

5035.95

4637.19

Rent,Taxes and lighting

1840.34

1681.33

1420.35

1256.78

1587.27

Depreciation on Banks property

815.89

753.90

728.52

850.21

874.74

Depreciation on leased assets

Auditor's fees and expenses

41.78

44.12

31.38

22.99

25.18

Law charges

10.09

7.84

5.26

5.69

12.30

Communication Expenses

184.70

228.29

263.40

289.40

249.01

Repairs and Maintenance

1708.14

1541.51

1150.04

1072.30

832.69

Insurance

736.17

685.75

633.25

586.88

532.16

Other expenses

2684.39

2403.04

2015.85

1682.41

1755.41

Provisions and Contingencies

2620.00

2860.00

6405.00

6101.46

7750.18

Provision for investments

14.00

18.20

Provision for advances

2550.00

3100.00

6700.00

6085.00

7035.00

Others Provisions

70.00

-240.00

-295.00

2.46

696.98

Profit Before Tax

14166.26

12307.31

11774.80

9851.65

6928.23

Taxes

2930.00

2150.00

2400.00

2250.00

1000.00

Current Income Tax

2930.00

2150.00

2400.00

2250.00

1000.00

Deferred Tax

Other taxes

0.00

Profit After Tax

11236.26

10157.31

9374.80

7601.65

5928.23

Extra items

0.00

Minority Interest

Share of Associate

Other Consolidated Items

Consolidated Net Profit

11236.26

10157.31

9374.80

7601.65

5928.23

Adjustments to PAT

IV. APPROPRIATIONS

12361.99

11248.09

10369.01

8216.20

6507.59

Transfer to Statutory Reserve

3000.00

2800.00

2500.00

2000.00

1500.00

Appropriation to General Reserve

5200.00

5550.00

4800.00

4050.00

2200.00

Appropriation to Revenue Reserve

Appropriation to Other Reserves

Equity Dividend

Corporate dividend tax

Other appropriations

4161.99

2898.09

3069.01

2166.20

2807.59

Equity Dividend %

200.00

150.00

100.00

30.00

Earnings Per Share

15.00

14.00

13.00

10.00

8.00

Adjusted EPS

15.00

14.00

13.00

10.00

8.00

Risk Disclosures on Derivatives

Profit & Loss

CITY UNION BANK LTD.