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Where this quarter sits.
Quarter read
What the record says.
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.
Colored figures show movement against the previous available record.
Guidance to track
- Management expects loan growth of mid-to-high teens, 2-3% above industry, continuing the current trajectory.
- NIM expected to remain in the range of 3.8% to 4.0% in Q4 FY26, with possible upward bias from deposit repricing.
- Return on assets expected to stay at current levels of 1.5%+ for FY26.
- Management reiterated cost-to-income ratio guidance of 48-50% for the full year.
Risks flagged
- The December 25bps repo cut has been fully transmitted to EBLR-linked loans, impacting yields by ~₹11 crore per quarter.
- Technical write-offs remain high (₹1,000+ crore), though management cites tax and NPA management benefits.
- Management declined to provide specific ECL provision numbers, citing industry-wide non-disclosure, creating uncertainty.
Key quotes
- Our net worth has crossed 10,000 cr mark today which is an important milestone in the history of the bank.
- We would end up in high teen growth for FI26 which will be over and above the industry level growth.
- I will not be the one of the first banks to give that. But I can directionally say there is still downward bias on that requirement.
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