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City Union Bank
City Union Bank (CUB) investor relations material
City Union Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Net worth surpassed INR 10,000 crore, marking a significant milestone.
Celebrated 120 years of operations, emphasizing a legacy of trust and excellence.
Leadership transition planned as MD & CEO's tenure ends in April; board has submitted successor candidates to RBI.
Pan-India presence with 901 branches, predominantly in Tamil Nadu.
Recognized for digital transformation and technology adoption, winning multiple national awards.
Financial highlights
Advances grew 21% year-over-year to INR 60,892 crore (₹608,920 Mn) in Q3 FY26, highest since FY18.
Deposits rose 21% YoY to INR 70,516 crore (₹705,159 Mn); CASA ratio at 27%.
Net profit for Q3 FY26 rose 16% YoY to ₹3,321 Mn; nine-month net profit up 16% to ₹9,667 Mn.
Interest income up 19% YoY in Q3 FY26 to INR 1,756 crore (₹175,568 lakh); nine-month interest income up 17%.
Operating profit increased 18% YoY in Q3 FY26 to INR 513 crore (₹51,316 lakh); PAT up 16% to INR 332 crore (₹33,216 lakh).
Outlook and guidance
Expecting mid- to high-teens growth, outpacing industry by 2-3%.
NIM expected to remain stable in Q4 within ±10 bps; ROA to stay above 1.5%.
Cost-to-income ratio to remain in 48-50% range for FY26.
Continued focus on MSME and retail lending with digital innovation.
Strong capital adequacy and stable asset quality expected to support future growth.
Unreviewed Basel III Pillar 3 disclosures
Capital Adequacy Ratio decline drivers?
New Labour Codes provision impact?
MD & CEO succession timeline
NIM drivers and FY27 outlook
Post-MD tenure asset quality strategy
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Next City Union Bank earnings date
Q4 25/268 May, 2026
City Union Bank
Next City Union Bank earnings date
Q4 25/268 May, 2026
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