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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 Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary28 Jul, 2026
Executive summary
Achieved highest-ever quarterly PAT of INR 383 crore (₹3,826 Mn/₹38,257.32 lakh) in Q1 FY 2027, up 25% year-over-year.
Credit growth reached 25% year-over-year, with advances rising to INR 67,645 crore.
Deposit growth was 21% year-over-year, reaching INR 79,342 crore.
Maintained strong asset quality with Gross NPA at 1.73% and Net NPA at 0.61%.
Continued focus on MSME/SME lending, dominating the portfolio and comprising 37% of the loan book.
Financial highlights
Operating profit grew 29% year-over-year to INR 581 crore (₹58,057.32 lakh), the highest to date.
Net Interest Income (NII) increased by 31% to Rs. 8,201 Mn.
Cost-to-income ratio improved to 45.42% from 46.15% sequentially.
NIM improved to 3.78%; yield on advances stable at 9.79%.
Treasury gains for the quarter were INR 52 crore, up from INR 29 crore in Q4.
Outlook and guidance
NIM expected to remain in the 3.65%-3.7% range in coming quarters.
ROA guidance for FY 2027 is 1.55%-1.65%, with Q1 ROA at 1.57%.
Cost-to-income ratio to be maintained at 47%-48% for FY 2027, with a long-term aspiration below 45%.
Emphasis on technology adoption, digital banking, and expansion in semi-urban, urban, and rural areas.
Credit growth targeted at 2%-3% above industry average, with continued focus on secured lending.
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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
- Profit grew, but rising NPAs and a challenging FY16 outlook tempered momentum.CUBQ4 14/15
Next City Union Bank earnings date
Q2 26/272 Nov, 2026
City Union Bank
Next City Union Bank earnings date
Q2 26/272 Nov, 2026
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Amina0781App Store
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