City Union Bank Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Q3 FY26Mid-to-high teen credit growth for FY27Tracked
Management expects loan growth of mid-to-high teens, 2-3% above industry, continuing the current trajectory.
Q4 FY26Advances growth 2-3% above industry in FY27ActiveManagement targets credit growth 2-3% higher than system growth, with MSME at 55-60%, gold loans 30-35%, and secured retail the rest.
Margins
Q3 FY26NIM stable around 3.9% with ±10bps band for Q4Active
NIM expected to remain in the range of 3.8% to 4.0% in Q4 FY26, with possible upward bias from deposit repricing.
Q3 FY26ROA to remain above 1.5%TrackedReturn on assets expected to stay at current levels of 1.5%+ for FY26.
Q3 FY26Cost-to-income ratio in 48-50% range for FY26TrackedManagement reiterated cost-to-income ratio guidance of 48-50% for the full year.
Q4 FY26ROA improvement to 1.65-1.66% in FY27TrackedNew CEO guided for ROA to exit FY27 at 1.65-1.66%, up from 1.56% in FY26, driven by fee income and cost control.