Advances growth 2-3% above industry in FY27
Management targets credit growth 2-3% higher than system growth, with MSME at 55-60%, gold loans 30-35%, and secured retail the rest.
CITYUNIONBANK / guidance tracker
Keep management guidance in view.
City Union Bank · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
CD ratio maintained at 85-87%
The bank aims to keep credit-deposit ratio in the 85-87% range, supported by granular deposit growth.
ROA improvement to 1.65-1.66% in FY27
New 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.
Operating expenses to rise 15-18% in FY27
Elevated opex due to opening 70 branches in April alone; full-year branch addition target of 75.