Rate cut transmission pressure on yields
The December 25bps repo cut has been fully transmitted to EBLR-linked loans, impacting yields by ~₹11 crore per quarter.
medium · management_commentaryCity 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.
bullish
high
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Elevated write-offs may signal underlying stress
Technical write-offs remain high (₹1,000+ crore), though management cites tax and NPA management benefits.
medium · analyst_questionECL provision uncertainty
Management declined to provide specific ECL provision numbers, citing industry-wide non-disclosure, creating uncertainty.
low · analyst_question