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Rate cut transmission pressure on yields
View Risks →City Union Bank Limited — Q3 FY26
City Union Bank delivered a strong Q3 FY26 with PAT of 332 crore (+16% YoY) driven by 21% YoY credit growth—the highest in 28 quarters.
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City Union Bank delivered a strong Q3 FY26 with PAT of 332 crore (+16% YoY) driven by 21% YoY credit growth—the highest in 28 quarters. NIM expanded to 3.89% (from 3.63% in Q2) aided by deposit repricing and a shift to fixed-rate gold loans. Asset quality improved sharply: GNPA fell to 2.17% (from 3.36% a year ago) and SMA2 dropped below 1%. Management guided for mid-to-high teen growth in FY27, stable NIM around 3.9% (±10bps), and ROA above 1.5%. Key risk: transmission of RBI rate cuts could pressure yields, though deposit repricing benefits may offset.
सिटी यूनियन बैंक ने तीसरी तिमाही में 332 करोड़ रुपये का शुद्ध लाभ कमाया, जो पिछले साल से 16% ज्यादा है। बैंक ने 21% ज्यादा कर्ज दिया, जो 28 तिमाहियों में सबसे ज्यादा है। ब्याज कमाई का अंतर (NIM) 3.89% हो गया, क्योंकि बैंक ने सस्ते जमा और सोने के कर्ज पर निश्चित ब्याज दर लागू की। खराब कर्ज (GNPA) घटकर 2.17% रह गया, जो पिछले साल 3.36% था। संभावित खराब कर्ज (SMA2) भी 1% से नीचे आ गया। प्रबंधन का अनुमान है कि अगले साल कर्ज 15-19% बढ़ेगा, NIM 3.9% के आसपास रहेगा और मुनाफा 1.5% से ज्यादा होगा। खतरा: RBI ब्याज दर घटा सकता है, जिससे कमाई पर दबाव पड़ेगा, लेकिन सस्ती जमा से फायदा हो सकता है।
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Read Transcript →Quarter Snapshot
Credit Growth (YoY)
21%
+21% YoY
Advances grew to ₹60,892 crore from ₹50,049 crore, the highest growth since FY18.
Gross NPA Ratio
2.17%
-119bps YoY
GNPA reduced from 3.36% in Q3 FY25, with 11 consecutive quarters of decline.
Net Interest Margin (NIM)
3.89%
+26bps QoQ
NIM improved from 3.63% in Q2 due to deposit repricing and gold loan fixed rates.
SMA2 Ratio
0.95%
-39bps QoQ
SMA2 to total advances fell from 1.34% in Q2, indicating improving asset quality.
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Guidance and risk preview
Management expects loan growth of mid-to-high teens, 2-3% above industry, continuing the current trajectory.
The December 25bps repo cut has been fully transmitted to EBLR-linked loans, impacting yields by ~₹11 crore per quarter.
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