ALFA Finder| 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
- ₹236.83
- Market cap
- ₹23,465 Cr
- Revenue (annual)
- ₹6,870 Cr
- Net profit (annual)
- ₹1,326 Cr
- P/E (TTM)
- 15.8×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 17.39%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 Regulatory Approval
City Union Bank disclosed RBI approval for appointing Shri Sankaran G as Executive Director (Whole-time Director) for three years. The board appointment and formal disclosures will follow later.
- Execution
- Three years from the date of taking charge
City Union Bank Earnings Call Transcript: Key Takeaways
City Union Bank crossed ₹1.5 lakh Cr business, showing strong recovery in NIMs and asset quality.
- Call
- Guides 18% growth
City Union Bank Investor Presentation: Key Takeaways
Q2 FY27 standalone: NII Rs 8,728Mn (+31%), PAT Rs 4,159Mn (+27%), NIM 3.87%, GNPA 1.44%. Deposits +21%, advances +26% YoY. Gold loans ~30% of advances.
City Union Bank Results Update
City Union Bank reported Q2 FY27 profit after tax of ₹416 Crore, up 27% year on year. Half-year PAT rose 26% to ₹798 Crore.
City Union Bank Q2 FY27 Results: Net Profit ₹415.9 Cr, Up 26.6% YoY
City Union Bank Ltd reported revenue from operations of ₹2,092 Cr (+26.6% YoY) and net profit of ₹415.9 Cr (+26.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹415.9 Cr · +26.6% YoY
City Union Bank Other Announcement
City Union Bank Ltd has filed its quarterly shareholding pattern under Regulation 31(1)(b) of the SEBI Listing Regulations.