ALFA Finder| 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
- ₹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.