City Union Bank announced Q1FY26 results The Bank earned Net Interest Income of Rs 625 crore for Q1FY26 registering 15% growth compared to Rs 545 crore in Q1FY25. Non Interest Income of the Bank for Q1FY26 was at Rs 244 crore as against Rs 192 crore for Q1FY25 registering 27% growth. Treasury profit had major contribution towards this growth which stood at Rs 64 crore for this quarter compared to Rs 17 crore in Q1FY25. The operating expense is Rs 418 crore for Q1FY26 as compared to Rs 364 crore in Q1FY25. The Gross Profit had grown by 21% and improved to Rs 451 crore in Q1FY26 from Rs 373 crore in Q1FY25. The Bank made a provision of Rs 145 crore as on 30.06.2025 as against Rs 109 crore in Q1FY25. The PAT had increased by 16% and improved to Rs 306 crore in Q1FY26 from Rs 264 crore in Q1FY25. Our Bank had crossed Rs 300 crore mark of quarterly PAT for the first time in our history. With our efforts to boost the liability growth to support our asset growth, the Deposits had increased by 20% and increased to Rs 65,734 crore in Q1FY26 from Rs 54,857 crore in Q1FY25. Cost of Deposits stood at 5.95% in Q1FY26 compared to 6.02 % in Q4FY25 showing marginal decrease due to repo rate transmission. Total Advances increased by 16% in Q1FY26 and stood at Rs 54,020 crore as against Rs 46,548 crore in Q1FY25. Average croreedit Deposit ratio stood at 83%. The yield on Advances for the present quarter is at 9.81% compared to 9.79% for FY25. The Gross NPA for Q1FY26 was reduced to 2.99% from 3.88% in Q1FY25 which is 89 bps reduction. Both GNPA and NNPA had shown sequential decrease in the last 8 quarters. Net NPA had decreased to 1.20% in the current quarter from 1.87 % in Q1FY25. The provision coverage ratio (PCR) as of 30.06.2025 is at 79% (including T/W) and 61% (excluding T/W). Net Interest Margin is at 3.54% for Q1FY26 which is broadly in line with our guidance levels given earlier. Return on assets for Q1FY26 is 1.55% which is in line with our long-term average levels. Return on Equity was at 12.85% in Q1FY26 compared to 12.45% in Q1FY25. Our cost to income ratio for Q1FY26 had stood at 48.12% as compared to 49.34% for Q1FY25. The Bank’s capital adequacy as on 30.06.2025 as per Reserve Bank of India (RBI) guidelines on Basel III norms is 23.10% and Tier-1 capital adequacy was 22.09%, well above regulatory requirements. Result PDF
Conference Call with City Union Bank Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.