City Union Bank (CUB) Q4 25/26 earnings summary

Executive summary

• Leadership transition announced as MD & CEO completes 15-year tenure, with R. Vijay Anandh to take over from May 1, 2026.

• Celebrated 120 years of operations, maintaining a focus on MSME, retail, and trade lending, with robust risk management and technology adoption.

• Board approved audited standalone financial results for FY 2025-26, with an unmodified audit opinion.

• Pan-India presence with 949 branches, stronghold in South India, and a diversified investor base.

• Recognized for technology adoption, winning multiple IBA Technology Awards in 2026.

Financial highlights

• Deposits grew 23% year-over-year to ₹783,080 Mn; advances up 26% to ₹666,998 Mn; total business rose 24% to ₹1,450,068 Mn.

• Net profit for FY26 was ₹13,262 Mn, up 18% year-over-year; Q4 PAT reached ₹3,600 Mn, a 25% increase.

• Net interest income rose 22% to ₹28,298 Mn; other income up 16% to ₹10,388 Mn.

• Operating profit increased 20% to ₹20,142 Mn for FY26.

• Return on Assets at 1.56%, Return on Equity at 13.35%, Net Interest Margin at 3.74%.

Outlook and guidance

• Targeting advances growth 2%-3% above industry, with MSME to remain 55%-60% of the portfolio.

• Branch-led business expansion, with 1,000 branches and 75 new branches planned annually.

• Cost-to-income ratio expected to rise 15%-18% due to branch expansion.

• Net interest margin expected to remain stable within a narrow band for FY27.

• ROA guidance for FY27 is 1.65%-1.67%.