| Management target | Revenue 18.0% FY27 |
|---|
| Revenue growth | Interest income grew 27% YoY; NIMs recovered to 3.87%. |
|---|---|
| Margins | NIMs improved to 3.87% from 3.78% sequentially. |
| Demand visibility | Strong demand in MSME and secured retail segments. |
| Management confidence | Extremely confident, highlighting consistent double-digit growth and asset quality improvements. |
Growth
Advances grew 26% YoY and 7% QoQ, driven by MSME and Gold Loans.
Outlook
Management expects NIMs to reach 3.85-3.95% and ROA above 1.6% for FY27.
Risks
Gold loan LTV compliance and high dependency on southern regional markets remain concentration risks.
Earnings Call Transcript filed with BSE, NSE: CUB. Summary written with AI assistance from the document.
City Union Bank Ltd: key numbers
- Share price
- ₹215.00
- Market cap
- ₹21,302 Cr
- Revenue (annual)
- ₹6,870 Cr
- Net profit (annual)
- ₹1,326 Cr
- P/E (TTM)
- 14.3×Sector 19.7×
- 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 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.
City Union Bank Legal & Regulatory
City Union Bank has received a GST demand order for ₹208.91 crore under the TNGST Act. The bank intends to pursue legal remedies against this demand.
- Value
- ₹208.9 Cr
- From
- Deputy Commissioner, State Tax, Tanjore
City Union Bank Board Meeting Date
City Union Bank will hold a board meeting on October 28, 2026, to consider and approve its un-audited standalone financial results for the quarter and half-year.