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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
City Union Bank
City Union Bank (CUB) investor relations material
City Union Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
Total business reached INR 156,330 crore; deposits rose 21% YoY to INR 83,893 crore and advances grew 26% to INR 72,442 crore.
Q2 PAT increased 27% YoY to INR 415.91 crore; H1 PAT rose 26% to INR 798.49 crore.
Financial highlights
Q2 NII rose 31% YoY to INR 872.8 crore; H1 NII increased 31% to INR 1,692.9 crore.
Q2 other income rose 35% to INR 350.21 crore, driven mainly by ARC recoveries and INR 137 crore of technically written-off account collections.
Q2 operating profit rose 40% YoY to INR 660.91 crore; H1 operating profit increased 35% to INR 1,241.49 crore.
Q2 operating expenses increased 23% to INR 562 crore, including the annual wage hike; provisions and contingencies rose 73% to INR 245 crore.
Q2 included a INR 50 crore contingent provision for unforeseen economic uncertainties.
Outlook and guidance
Targeting credit growth 2%-3% above industry, with deposits aligned to credit growth; secured lending, MSME, retail and gold loans remain growth avenues.
Q3-Q4 NIM expected at 3.85%-3.95%; FY27 ROA targeted at 1.6%-1.65% and cost-to-income at 45%-47%.
Deposit growth of 20% over the next two years was described as challenging; sustained 21%-22% growth remains uncertain.
Deposit cost may rise 10 bps next quarter; FY27 tax rate expectation is 21%-23%.
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Latest events from City Union Bank
- Profit rose 8% as stronger asset quality offset margin pressure and higher costs.CUB
Q4 23/24 - FY19 delivered 17% business growth and 15% profit growth, despite higher net NPAs.CUBQ4 18/19
- Profit rose 23% as asset quality improved and capital buffers stayed strong.CUBQ4 22/23
- Profit rose 28% as business expanded 9%, with asset quality gradually improving.CUBQ4 21/22
- Profit rose 25%, while gross NPAs climbed to 5.11%.CUBQ4 20/21
- Growth held at 5% as COVID provisions drove profit lower and NPAs higher.CUBQ4 19/20
- Profit rose 18%, while higher NPAs and cyber-fraud losses tested FY18 performance.CUBQ4 17/18
- Profit and business growth strengthened as gross NPA ratio rose to 2.83%.CUBQ4 16/17
- Profit rose 13% as business expanded, while NPAs and provisions climbed.CUBQ4 15/16
Next City Union Bank earnings date
Q3 26/271 Feb, 2027
City Union Bank
Next City Union Bank earnings date
Q3 26/271 Feb, 2027
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