CITYUNIONBANK / Q4-FY26 / claim-ledger

Audit the questions that mattered.

City Union Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY26 · 2026-04-30Back to quarter ↗

Questions audited

Answered directly

81%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

J Mundra · ICICI Securities

direct

Risk management for gold loans given gold price decline

we did not increase the per g rate beyond that... we had sufficient cushion built into... gold loans which were issued when the share price was at that level as we had higher margin when we gave that loan.

J Mundra · ICICI Securities

partial

Outlook on cost of deposits and whether they have bottomed

don't read too much into three basis point... we could almost have incremental CD ratio of 100%... we can go for another 3,000 crores of advances without increasing the deposits at all.

J Mundra · ICICI Securities

direct

Yield on advances outlook after rate cuts

the incremental book... weighted average yield is holding up... 30% of our book is in gold alone which is in the fixed rate and non-agri gold loans are having even double digit yields.

J Mundra · ICICI Securities

direct

Timeline to achieve higher ROA of 1.7-1.8%

we should exit this year with at least 10 bps more in ROA so we should be there between 1.65 to 1.66... that's the number.

J Mundra · ICICI Securities

partial

Plans for association after limiting executive role

board asked me to join the board in non-executive capacity... it depends upon regulatory comfort... board has asked me to be chairman of the City Union Bank foundation.

MB Mahesh · Kotak Securities

direct

Upper limit on gold loans and demand for MSME loans

30 to 31 32 itself is like we are almost at the upper band... growth is because of combination of all factors... capacity utilization increased... they are going for expansion.

MB Mahesh · Kotak Securities

partial

When will underwriting filters be tightened?

numerical number will be your SMA numbers... anecdotal feedbacks... we will get a feel... we are closely monitoring the situation.

MB Mahesh · Kotak Securities

direct

Proportion of loans covered under CGTMSE scheme

it's very minuscule... mostly around two to three percentage that's all.

Soir · Access Capital

direct

Impact of ECL provisions on steady state costs

my expectation is that at least there has to be 50% reduction in this number in the next average of the next 15 years... credit cost... average works out to about 6 or so over the period of last 15 years.

Sur Gpati · Macquarie Capital

direct

Reasons for joining City Union Bank and cultural fit

I fully got convinced why should I be here... my wavelength... passion of what I wanted to do was absolutely matching with where software wants to take this bank to the next level.