| Management target | Net Profit 25.0% FY27 |
|---|
| Revenue growth | 24% interest income growth YoY. |
|---|---|
| Margins | NIM at 3.78%; guided to hover between 3.65% and 3.70%. |
| Order book | MSME disbursal at ~₹3,500 Cr per quarter; ECLGS potential ₹2,500 Cr. |
| Demand visibility | Strong consumption-driven demand in MSME, textile, and auto sectors. |
| Management confidence | High; citing consistent double-digit growth and robust asset quality. |
Growth
Advances grew 25% YoY to ₹67,645 Cr; Deposits rose 21% YoY to ₹79,342 Cr. Operating profit increased 29% YoY.
Outlook
Guidance: Advances growth 2-3% above industry; NIM range 3.65-3.70%; ROA 1.55% to 1.65%; Cost-to-income 47-48% for FY27.
Risks
Margins may face temporary pressure (5 bps) from rising term deposit rates; West Asia crisis impact being monitored.
Last quarter's promises, checked
Delivered
- Guided high teen growth → delivered 24% business growth (= BEAT)
- Guided slippage ₹700-750Cr → delivered ₹199Cr in Q4 (= BEAT)
- Guided ROA ~1.5% → delivered 1.56% (= BEAT)
Partly delivered
- Guided NIM holding up → delivered 3.74% vs 3.60% FY25 (= BEAT but sequential Q4 3.87% vs Q3 3.89% was flat)
Missed
- Guided cost-to-income 48-50% → delivered 47.93% (= BEAT/MISS - actually outperformed efficiency target)
Earnings Call Transcript 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 Investor Presentation: Key Takeaways
City Union Bank reported strong Q1 FY27 results with Net Profit increasing 25% YoY to ₹3,826 Mn and Deposits growing 21% YoY. The bank maintains a high CRAR of 21.73% and improved asset quality.
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.