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City Union Bank (CUB) investor relations material
City Union Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary3 Nov, 2025
Executive summary
Achieved 18% year-on-year advance growth and 21% deposit growth in Q2 FY2026, with the highest asset quality in a decade and a stable ROA of 1.59%.
Celebrated 120 years of operations, with a pan-India presence, digital innovation awards, and a focus on MSME, retail, and trade lending.
Standalone unaudited financial results for Q2 and H1 FY2026 were approved by the Board and received an unmodified auditor opinion.
Strategic focus on MSME, gold loans, renewable energy lending, and digital transformation.
Robust risk management and granular asset profile maintained.
Financial highlights
Interest income rose 15% year-on-year to INR 1,653 crores in Q2 FY2026; net profit for Q2 FY26 up 15% to ₹3,286 million.
Net Interest Income for Q2 FY26 increased 14% year-on-year to ₹6,665 million.
Operating profit for Q2 FY2026 was ₹47,059 lakh, with PAT up 15% to ₹635 crores in H1 FY2026.
Cost-to-income ratio for Q2 FY2026 at 49.16%, with H1 FY2026 at 48.66%.
NIM improved to 3.63% in Q2 FY2026.
Outlook and guidance
Credit growth expected to remain 2%-3% above industry average, with continued double-digit growth.
NIM and ROA projected to remain stable with a positive bias; cost-to-income ratio to hover between 48%-50%.
Continued focus on MSME, retail lending, digital transformation, and asset quality.
Recoveries anticipated to outpace slippages for at least the next two quarters.
No changes to significant accounting policies; RBI circulars implemented prospectively.
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Next City Union Bank earnings date
Q3 25/2630 Jan, 2026
Next City Union Bank earnings date
Q3 25/2630 Jan, 2026
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