City Union Bank

City Union Bank delivered a strong Q4 FY26 with advances growing 26% YoYCurrent 26% YoY. Reported change: +26% YoY. to ₹66,698 crore, the highest in 13 years, driven by MSME, gold loans, and secured retail. Deposits grew 23% YoYCurrent reported value: 23% YoY. No comparable prior figure is available in the source record. to ₹78,338 crore, maintaining a CD ratio of 85%. Asset quality improved sharply: gross NPA fell below 2% for the first time in 11 years to 1.91%Current 1.91%. Reported change: -26bps QoQ., and SMA (0+1+2) declined to 2.47%Current 2.47%. Reported change: -121bps QoQ. from 3.68% in Q3. PAT for FY26 rose 18% YoYCurrent reported value: 18% YoY. No comparable prior figure is available in the source record. to ₹326Current reported value: 326. No comparable prior figure is available in the source record. crore, with ROA at 1.56%. The outgoing MD highlighted disciplined underwriting and avoidance of risky sectors. New CEO guided for advances growth 2-3% above industry, stable NIM around 3.87%, and ROA improvement to 1.65-1.66% in FY27. Elevated opex from 70 new branches may pressure near-term margins. Key risk: US-Iran conflict impact on inflation and asset quality, though management sees no signs yet.