| Revenue growth | NII grew 31% YoY; Other income stable. |
|---|---|
| Margins | NIM improved to 3.78%; Yield on funds at 8.14%. |
| Order book | Advances grew 25% YoY to ₹676 Bn. |
| Demand visibility | SME/MSME focused lending; granular asset profile. |
| Management confidence | Strong based on historical 120+ year profitability track record. |
Growth
NII grew 31% YoY to ₹8,201 Mn; Operating Profit up 29% to ₹5,806 Mn. Total business rose 23% to ₹1,469 Bn.
Outlook
Focusing on SME/MSME (37% of book) and digital transformation. Maintaining long-term average ROA of 1.57%.
Risks
Gross NPA at 1.73% and Net NPA at 0.61%. Management continues to monitor restructured standard accounts (0.66% of advances).
Last quarter's promises, checked
Delivered
- Guided slippage ₹700-750 Cr → delivered ₹199 Cr in Q4 (FY26 total on track = BEAT)
- Guided ROA ~1.5% → delivered 1.56% (= BEAT)
- Guided Cost-to-Income 48-50% → delivered 47.93% (= BEAT)
Partly delivered
- Guided high-teen business growth → delivered 24% (= BEAT, but credit growth at 26% exceeds mid-teen target)
Investor Presentation filed with BSE, NSE: CUB. Summary written with AI assistance from the document.
City Union Bank Ltd: key numbers
- Share price
- ₹225.57
- Market cap
- ₹22,349 Cr
- Revenue (annual)
- ₹6,870 Cr
- Net profit (annual)
- ₹1,326 Cr
- P/E (TTM)
- 15.9×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 18.65%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from City Union Bank Ltd
All →City Union Bank Capacity Expansion
City Union Bank Limited opened a new branch in Vallancherry, Chengalpattu District on September 25, 2026. This expansion brings the bank's total network to 1002 branches.
- new branches
- 1.0 branches
City Union Bank Credit Rating
ICRA has assigned and reaffirmed credit ratings for City Union Bank's Basel III Tier II bonds and certificates of deposit, respectively.
City Union Bank Other Announcement
City Union Bank informed the exchanges about RBI's approval regarding amendments to the Memorandum and Articles of Association concerning the bank's authorized share capital.
City Union Bank Earnings Call Transcript: Key Takeaways
City Union Bank reported strong 1QFY27 results with 25% PAT growth to ₹383 Cr and 24% interest income growth. Focus remains on secured lending, particularly MSME and Gold Loans, maintaining industry-leading asset quality.
- Call
- Guides 25% growth
City Union Bank Q1 FY27 Results: Net Profit ₹382.6 Cr, Up 25.1% YoY
City Union Bank Ltd reported revenue from operations of ₹1,985 Cr (+23.7% YoY) and net profit of ₹382.6 Cr (+25.1% YoY) for Q1 FY27.
- Key figure
- Net profit ₹382.6 Cr · +25.1% YoY
City Union Bank Earnings Call: Key Takeaways
City Union Bank reported record Q4FY26 PAT of ₹360cr, with total business growing 24% YoY. Management transition confirmed as R. Vijay Anandh takes over as MD & CEO on May 1, 2026.