City Union Bank Ltd

City Union Bank has opened its 893rd branch at Aligarh, Uttar Pradesh. Powered by Capital Market - Live

The bank's total income rose 15% year-on-year to Rs 1,912 crore in Q2 FY26 from Rs 1,660 crore in Q2 FY25, supported by a 15% increase in interest income to Rs 1,653 crore and a 14% rise in non-interest income to Rs 259 crore. Net interest income (NII) stood at Rs 667 crore, up 14% year-on-year. The bank's net interest margin (NIM) rose to 3.63% in Q2 FY26 from 3.54% in Q1 FY26, aided by faster deposit repricing and migration of gold loans to fixed rates. Operating profit grew 10% YoY to Rs 471 crore, while profit after tax (PAT) rose 15% YoY to Rs 329 crore from Rs 285 crore in the same period last year. Operating expenses climbed 20% YoY to Rs 455 crore in Q2 FY26. The bank's total deposits grew 21% to Rs 69,486 crore, with the CASA ratio at 27%. The cost of deposits eased slightly to 5.71% from 5.75% a year ago. On the lending side, advances increased 18% to Rs 57,561 crore, with the average credit-to-deposit ratio at 83%. The yield on advances eased marginally to 9.66% in Q2 FY26 as against 9.81% in Q2 FY25. Asset quality strengthened, with the gross non-performing assets (NPAs) at Rs 1,393 crore as on September 2025 as against Rs 1,617 crore as on June 2025 and Rs 1,726 crore as on September 2024. The ratio of gross NPAs to gross advances stood at 2.42% as on September 2025 as against 2.99% as on June 2025 and 3.54% as on September 2024. The ratio of net NPAs to net advances stood at 0.90% as on September 2025 as against 1.20% as on June 2025 and 1.62% as on September 2024. The provision coverage ratio stood at 82% including technical write-offs. Return on assets (ROA) improved to 1.59% as against 1.55% in Q1 FY26. The capital adequacy ratio (CAR) remained robust at 21.68%, with Tier-I capital at 20.71%, well above regulatory norms. City Union Bank is an old sector private sector bank with 889 branches across 18 states and 4 Union territories. It is a scheduled commercial Bank regulated by the Reserve Bank of India. The bank positioned itself as a banker to SMEs, Agri and Traders apart from all other banking activities. Powered by Capital Market - Live

Net profit of City Union Bank rose 15.22% to Rs 328.59 crore in the quarter ended September 2025 as against Rs 285.18 crore during the previous quarter ended September 2024. Total Operating Income rose 15.29% to Rs 1653.13 crore in the quarter ended September 2025 as against Rs 1433.95 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income1653.131433.95 15 OPM %69.0268.57 - PBDT413.59358.18 15 PBT413.59358.18 15 NP328.59285.18 15 Powered by Capital Market - Live

City Union Bank will hold a meeting of the Board of Directors of the Company on 3 November 2025.Powered by Capital Market - Live

City Union Bank has opened its new branch at Rajouri in New Delhi on 21 August 2025. With this, the Bank's branch network expands to 887 branches. Powered by Capital Market - Live

City Union Bank has opened three new branches at Kanarpatti (Tirunelveli District) and Vengandur (Villupuram Distric) in Tamil Nadu; and Panaji (Goa) on 11 August 2025. With this, the Bank's branch network has extended to 886 branches. Powered by Capital Market - Live

City Union Bank has opened new branch at Latur on 31 July 2025. With this, the Bank's branch network has expanded to 883 branches. Powered by Capital Market - Live

Net profit of City Union Bank rose 15.66% to Rs 305.92 crore in the quarter ended June 2025 as against Rs 264.49 crore during the previous quarter ended June 2024. Total Operating Income rose 15.60% to Rs 1605.33 crore in the quarter ended June 2025 as against Rs 1388.64 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Total Operating Income1605.331388.64 16 OPM %69.5970.99 - PBDT380.92334.49 14 PBT380.92334.49 14 NP305.92264.49 16 Powered by Capital Market - Live

City Union Bank will hold a meeting of the Board of Directors of the Company on 31 July 2025.Powered by Capital Market - Live

On a year-on-year (YoY) basis, net profit jumped 11.87%, while total income rose 2.94% in Q1 FY26. Net interest income (NII) slipped 3.18% to Rs 9,113 crore in the June 2025 quarter, compared to Rs 9,412 crore in the June 2024 quarter. For Q1 FY26, the net interest margin (NIM) was 2.76%, down from 3.05% in the corresponding period last year. Profit before tax (PBT) grew 4.96% YoY to Rs 5,244.15 crore in the quarter ended 30 June 2025. The bank's operating profit before provisions and contingencies fell 11.26% to Rs 6,908.66 crore in the June 2025 quarter, compared to Rs 7,785.31 crore in the same quarter the previous year. On the asset quality front, gross non-performing assets (GNPA) stood at Rs 34,311.31 crore as of 30 June 2025, down 17.16% from Rs 41,422.94 crore as of 30 June 2024. The gross NPA ratio stood at 3.52% as of 30 June 2025, compared to 4.54% as of 30 June 2024. The net NPA ratio stood at 0.62% as of 30 June 2025, down from 0.90% as of 30 June 2024. The bank's capital adequacy ratio as of 30 June 2025, as per Reserve Bank of India (RBI) guidelines under Basel III norms, was 18.84%, with a Tier-1 capital adequacy of 15.86%. Total business of the bank increased by 5.01% YoY, with gross advances rising 6.83% YoY and total deposits growing 3.63% YoY. The bank had total business of Rs 22,14,422 crore as of 30 June 2025. Global deposits have increased by 3.63% YoY. The bank now has a total deposit base of Rs 12,39,933 crore as of 30 June 2025. The RAM segment of the bank increased by 10.34% YoY, with in which 25.63% growth in retail and 17.65% growth in MSME advances were achieved on a YoY basis. RAM advances as a percentage of domestic advances stood at 58.11%. The CRAR improved from 17.02% as of 30 June 2024 to 18.30% as of 30 June 2025. The CET-1 ratio rose from 13.81% to 15.30% over the same period. The bank's return on assets (ROA) and return on equity (ROE) stood at 1.11% and 15.15%, respectively, during Q1 FY26. Union Bank of India is one of the leading public sector banks in the country. The Government of India holds 74.76% of the bank's total paid-up capital. The bank has 8,649 branches, including foreign branches, over 8,900 ATMs, more than 73,500 employees, and over 23,000 BC points. Powered by Capital Market - Live