City Union Bank Ltd.
CUBFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
22 transcript(s)/analyst meet(s) served; 13 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 22 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| DUPLICATE | 20211113 | 2021-09-30 | no | |
| UNRESOLVED | 20221109 | 2022-09-30 | no | |
| COVER_LETTER | 20230217 | 2022-12-31 | no | |
| TRANSCRIPT | 20230601 | 2023-03-31 | yes | |
| DUPLICATE | 20231028 | 2023-09-30 | no | |
| DUPLICATE | 20231101 | 2023-09-30 | no | |
| UNRESOLVED | 20240202 | 2023-12-31 | no | |
| TRANSCRIPT | 20240207 | 2023-12-31 | yes | |
| TRANSCRIPT | 20230818 | 2024-03-31 | yes | |
| DUPLICATE | 20240521 | 2024-03-31 | no | |
| TRANSCRIPT | 20240524 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240801 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241028 | 2024-09-30 | yes | |
| COVER_LETTER | 20250131 | 2024-12-31 | no | |
| TRANSCRIPT | 20250205 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250507 | 2025-03-31 | yes | |
| COVER_LETTER | 20250801 | 2025-06-30 | no | |
| TRANSCRIPT | 20250805 | 2025-06-30 | yes | |
| COVER_LETTER | 20251104 | 2025-09-30 | no | |
| TRANSCRIPT | 20251107 | 2025-09-30 | yes | |
| COVER_LETTER | 20260203 | 2025-12-31 | no | |
| TRANSCRIPT | 20260207 | 2025-12-31 | yes | |
| COVER_LETTER | 20260428 | 2026-03-31 | no | |
| TRANSCRIPT | 20260504 | 2026-03-31 | yes | |
| COVER_LETTER | 20260728 | 2026-06-30 | no | |
| TRANSCRIPT | 20260801 | 2026-06-30 | yes |
CUB
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | standalone |
| Panels on this page | 5 |
Market
The closes are adjusted for every split and bonus on record inside the period this series covers, and each adjustment is checked against the price move on its ex-date.
| Last close | 220.52 |
| 52-week range | 155.74 – 238.48 |
| Return 1M | -0.49% |
| Return 3M | 10.9% |
| Return 1Y | 39.3% |
| Return 3Y | 127.22% |
| Return 5Y | 96.08% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 1,985.00 |
| Interest on advances and bills | 1,629.00 |
| Income on investments | 315.00 |
| Interest on balances with the RBI and interbank funds | 41.00 |
| Other interest | 0.00 |
| Interest expended | 1,165.00 |
| Other income | 244.00 |
| Total income | 2,229.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | not disclosed | — |
| institutions foreign | 0.19 | -0.05 |
| institutions domestic | 0.45 | 0.04 |
| mutual funds | 0.34 | 0.02 |
| public | 1.00 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2026-06-30 | 7 |
| DUPLICATE | 2024-03-31 | 4 |
| TRANSCRIPT | 2026-06-30 | 13 |
| UNRESOLVED | 2023-12-31 | 2 |
Financial statements
Filed results, standalone, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | -327.00 | 527.00 | -398.00 | 1,625.00 | 49.00 | — |
| Net cash from investing activities | 78.00 | -36.00 | 230.00 | 304.00 | 276.00 | 97.00 | 14,860.00 |
| Net cash from financing activities | -494.00 | -159.00 | -463.00 | — | — | -146.00 | — |
| Purchase of property, plant and equipment | -69.00 | 43.00 | -168.00 | -94.00 | -198.00 | -156.00 | -353.00 |
| Net increase in cash | -1,233.00 | -521.00 | 294.00 | -3,072.00 | -1,653.00 | 1,662.00 | 3,637.00 |
| con:CFO.BEFORE_TAX | -1,084.00 | 1,164.00 | 364.00 | -398.00 | 1,625.00 | 1,143.00 | -12,988.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | -273.00 | 152.00 | -163.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_OTHER.OPERATING | 0.00 | -1,339.00 | 0.00 | 0.00 | 0.00 | -1,094.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 9.00 | 7.00 | 62.00 | 31.00 | 78.00 | -3.00 | 75.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,181.00 | 1,304.00 | 1,326.00 | 1,374.00 | 1,389.00 | 1,434.00 | 1,479.00 | 1,533.00 | 1,605.00 | 1,653.00 | 1,756.00 | 1,856.00 | 1,985.00 |
| Interest on advances and bills | 955.00 | 1,028.00 | 1,036.00 | 1,081.00 | 1,086.00 | 1,143.00 | 1,199.00 | 1,243.00 | 1,290.00 | 1,332.00 | 1,435.00 | 1,515.00 | 1,629.00 |
| Income on investments | 213.00 | 239.00 | 247.00 | 252.00 | 262.00 | 271.00 | 269.00 | 271.00 | 286.00 | 288.00 | 294.00 | 311.00 | 315.00 |
| Interest on balances with the RBI and interbank funds | 12.00 | 36.00 | 43.00 | 40.00 | 38.00 | 16.00 | 9.00 | 16.00 | 26.00 | 29.00 | 26.00 | 29.00 | 41.00 |
| Other interest | 1.00 | 1.00 | 1.00 | 2.00 | 2.00 | 3.00 | 2.00 | 2.00 | 2.00 | 5.00 | 2.00 | 0.00 | 0.00 |
| Interest expended | 613.00 | 766.00 | 810.00 | 828.00 | 843.00 | 851.00 | 891.00 | 932.00 | 980.00 | 987.00 | 1,004.00 | 1,070.00 | 1,165.00 |
| Other income | 173.00 | 182.00 | 193.00 | 175.00 | 192.00 | 226.00 | 228.00 | 251.00 | 244.00 | 259.00 | 245.00 | 290.00 | 244.00 |
| Total income | 1,355.00 | 1,486.00 | 1,519.00 | 1,549.00 | 1,581.00 | 1,660.00 | 1,707.00 | 1,784.00 | 1,849.00 | 1,912.00 | 2,001.00 | 2,146.00 | 2,229.00 |
| Employee benefit expense | 141.00 | 158.00 | 156.00 | 168.00 | 174.00 | 184.00 | 179.00 | 197.00 | 201.00 | 224.00 | 230.00 | 235.00 | 235.00 |
| Operating expenses | 285.00 | 334.00 | 345.00 | 370.00 | 364.00 | 381.00 | 380.00 | 411.00 | 418.00 | 455.00 | 484.00 | 497.00 | 483.00 |
| Expenditure excluding provisions and contingencies | 898.00 | 1,100.00 | 1,155.00 | 1,198.00 | 1,207.00 | 1,232.00 | 1,271.00 | 1,343.00 | 1,398.00 | 1,442.00 | 1,488.00 | 1,567.00 | 1,648.00 |
| Operating profit before provisions | 456.00 | 387.00 | 364.00 | 352.00 | 373.00 | 428.00 | 436.00 | 441.00 | 451.00 | 471.00 | 513.00 | 580.00 | 581.00 |
| Provisions and contingencies | 105.00 | 56.00 | 46.00 | 32.00 | 39.00 | 70.00 | 75.00 | 78.00 | 70.00 | 57.00 | 96.00 | 120.00 | 78.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 351.00 | 331.00 | 318.00 | 320.00 | 334.00 | 358.00 | 361.00 | 363.00 | 381.00 | 414.00 | 417.00 | 460.00 | 503.00 |
| Tax expense | 75.00 | 50.00 | 65.00 | 65.00 | 70.00 | 73.00 | 75.00 | 75.00 | 75.00 | 85.00 | 85.00 | 100.00 | 120.00 |
| Profit for the period | 276.00 | 281.00 | 253.00 | 255.00 | 264.00 | 285.00 | 286.00 | 288.00 | 306.00 | 329.00 | 332.00 | 360.00 | 383.00 |
| Profit attributable to owners | 276.00 | 281.00 | 253.00 | 255.00 | 264.00 | 285.00 | 286.00 | 288.00 | 306.00 | 329.00 | 332.00 | 360.00 | 383.00 |
| Earnings per share, basic | 3.74 | 3.78 | 3.42 | 3.44 | 3.57 | 3.85 | 3.86 | 3.89 | 4.13 | 4.43 | 4.48 | 4.84 | 3.86 |
| Earnings per share, diluted | 3.70 | 3.75 | 3.39 | 3.42 | 3.54 | 3.82 | 3.83 | 3.86 | 4.10 | 4.41 | 4.46 | 4.83 | 3.85 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 5,271.00 | 5,834.00 | 6,870.00 |
| Interest on advances and bills | 4,153.00 | 4,672.00 | 5,572.00 |
| Income on investments | 959.00 | 1,073.00 | 1,179.00 |
| Interest on balances with the RBI and interbank funds | 154.00 | 80.00 | 109.00 |
| Other interest | 4.00 | 8.00 | 9.00 |
| Interest expended | 3,147.00 | 3,518.00 | 4,040.00 |
| Other income | 742.00 | 898.00 | 1,039.00 |
| Total income | 6,012.00 | 6,732.00 | 7,909.00 |
| Employee benefit expense | 614.00 | 733.00 | 890.00 |
| Operating expenses | 1,348.00 | 1,535.00 | 1,854.00 |
| Expenditure excluding provisions and contingencies | 4,495.00 | 5,053.00 | 5,894.00 |
| Operating profit before provisions | 1,517.00 | 1,679.00 | 2,014.00 |
| Provisions and contingencies | 286.00 | 262.00 | 343.00 |
| Profit before exceptional items and tax | — | 1,417.00 | 1,671.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 1,231.00 | 1,417.00 | 1,671.00 |
| Tax expense | 215.00 | 293.00 | 345.00 |
| Profit for the period | 1,016.00 | 1,124.00 | 1,326.00 |
| Profit attributable to owners | 1,016.00 | 1,124.00 | 1,326.00 |
| Earnings per share, basic | 13.72 | 15.17 | 17.88 |
| Earnings per share, diluted | 13.62 | 15.07 | 17.83 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 | 74.00 |
| Reserves and surplus | 6,939.00 | 7,817.00 | 8,327.00 | 8,806.00 | 9,393.00 | 9,852.00 | 10,491.00 |
| Deposits | 49,878.00 | 52,714.00 | 55,657.00 | 57,369.00 | 63,526.00 | 69,486.00 | 78,308.00 |
| Borrowings | 5,398.00 | 4,514.00 | 4,724.00 | 2,547.00 | 2,169.00 | 2,183.00 | 5,327.00 |
| Other liabilities and provisions | 2,106.00 | 2,155.00 | 2,044.00 | 2,570.00 | 2,461.00 | 2,808.00 | 2,825.00 |
| Total equity and liabilities | 64,395.00 | 67,274.00 | 70,826.00 | 71,366.00 | 77,623.00 | 84,402.00 | 97,024.00 |
| Cash and balances with the RBI | 3,271.00 | 3,392.00 | 4,615.00 | 3,386.00 | 3,875.00 | 4,848.00 | 6,267.00 |
| Balances with banks and money at call | 2,183.00 | 2,736.00 | 2,328.00 | 486.00 | 1,416.00 | 2,105.00 | 2,660.00 |
| Investments | 14,678.00 | 15,688.00 | 15,664.00 | 16,453.00 | 17,336.00 | 17,519.00 | 18,987.00 |
| Advances | 41,913.00 | 42,652.00 | 45,526.00 | 47,771.00 | 52,081.00 | 56,681.00 | 65,875.00 |
| Property, plant and equipment | 244.00 | 243.00 | 270.00 | 293.00 | 322.00 | 388.00 | 469.00 |
| Other assets | 2,106.00 | 2,563.00 | 2,422.00 | 2,977.00 | 2,593.00 | 2,862.00 | 2,767.00 |
| Total assets | 64,395.00 | 67,274.00 | 70,826.00 | 71,366.00 | 77,623.00 | 84,402.00 | 97,024.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 2,035.00 | 1,968.00 | 1,854.00 | 1,806.00 | 1,726.00 | 1,693.00 | 1,638.00 | 1,617.00 | 1,393.00 | 1,320.00 | 1,273.00 | 1,170.00 |
| Net non-performing assets | 999.00 | 941.00 | 899.00 | 853.00 | 775.00 | 702.00 | 653.00 | 635.00 | 513.00 | 469.00 | 449.00 | 405.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Domestic institutions | 36.19 | 33.13 | 33.20 | 32.40 | 29.51 | 32.57 | 33.57 | 33.58 | 33.07 | 35.23 | 0.37 | 0.40 | 0.41 | 0.45 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 28.77 | 0.29 | 0.31 | 0.32 | 0.34 |
| Insurance companies | 3.62 | 3.35 | 3.16 | 3.31 | 3.17 | 3.69 | 3.35 | 3.80 | 3.95 | 5.18 | 0.06 | 0.08 | 0.07 | 0.09 |
| Foreign institutions | 24.95 | 25.33 | 23.66 | 26.60 | 26.96 | 26.44 | 26.01 | 27.44 | 28.03 | 27.38 | 0.26 | 0.23 | 0.23 | 0.19 |
| Public | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Non-institutional | 38.86 | 41.54 | 43.14 | 41.01 | 43.54 | 40.99 | 40.43 | 38.98 | 38.90 | 37.39 | 0.37 | 0.36 | 0.36 | 0.36 |
| Shares outstanding | 740416385 | 740416385 | 740416385 | 740639579 | 740671904 | 740671904 | 740671904 | 740985734 | 740985734 | 741008062 | 741048842 | 742098317 | 743047262 | 990787237 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| DR N KAMAKODI | MD AND CEO | Remuneration | 16,691,000.00 | 1 |
| R VIJAY ANANDH | EXECUTIVE DIRECTOR | Remuneration | 7,845,000.00 | 1 |
| NCS SOFT SOLUTIONS PVT LIMITED | SOFTWARE VENDOR | Sale of goods or services | 2,180,000.00 | 1 |
| J SADAGOPAN | CFO | Remuneration | 1,856,000.00 | 1 |
| VENKATARAMANAN S | CS | Remuneration | 1,108,000.00 | 1 |
| ABARNA AND ANANTHAN | TAX CONSULTANTS | Sale of goods or services | 0.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-08-01 | Q1FY27 | LIMITED | Read the call |
| 2026-05-04 | FYFY26 | Read the call | |
| 2026-02-07 | Read the call | ||
| 2025-11-07 | H1FY26 | BANK LIMITED, CITY UNION BANK LIMITED, UNION BANK LIMITED | Read the call |
| 2025-08-05 | Q1FY26 | BANK LIMITED, CITY UNION BANK LIMITED | Read the call |
| 2025-05-07 | FYFY25 | BANK LIMITED, LIMITED, UNION BANK LIMITED | Read the call |
| 2025-02-05 | Q3FY25 | CITY UNION BANK LIMITED | Read the call |
| 2024-10-28 | Q2FY25 | Read the call | |
| 2024-08-01 | Q1FY25 | Read the call | |
| 2024-05-24 | Q4FY24 | Read the call | |
| 2024-02-07 | Q3FY24 | Read the call | |
| 2023-08-18 | FYFY24 | Read the call | |
| 2023-06-01 | Q4FY23 | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q1FY25 | Q1FY26 | Q1FY27 | Q2FY25 | Q3FY24 | Q3FY25 | Q4FY23 | Q4FY24 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | July 31, 2025 And really, is there a need for working capital and what is going to be capex before we are taking the final call? | — | — | — | The next year, the capex looks -- it is going to be lower than whatever we have seen in the current year. | — | — |
| Capital allocation | — | — | — | — | — | — | — | When you have a lower growth rate whether you give the excess dividend, or you conserve the capital for the future growth. |
| Costs | — | — | — | — | — | — | So when we say that we probably for the full year next year we will have similar levels what we saw for FY2023 which is 3.65 plus or minus 10 basis po… | — |
| Debt and cash | — | There has generally been a feeling that working capital requirements are pretty low because inflation is pretty benign. | I think most of the customers are not showing any stress and it's only the working capital cycle for that ECGLS has helped them to come back to normal… | — | — | — | — | Will we see a decline in requirement of working capital from the segment incrementally? |
| Demand | — | This is pertaining to just the demand environment within MSME. | Because across other peers, we heard that, you know, working capital utilization levels are going up because of the demand, higher treasury yields, ev… | Our plans in pipeline like retail vertical and other avenues in advances will support us in terms of our credit growth once they are all taking a shap… | Sir, just wanted to get a sense on how is the underlying demand for credit in your core segment with the MSMEs, because you had mentioned in Q2 that f… | — | It happens at its own pace so once we get for whatever demand we have raised, once we get dues for FY2022, I will start recognizing on accrual basis t… | Sir, second was that recently there was this government notification to make payments to MSME in 45 days -- so just wanted to understand what would be… |
| Guidance | We expect the team to be here by August, September. | So, in that background, to sum up, things are even shade better than what we anticipated maybe 6 months back. | Of course, you gave the guidance that cost of funds is expected to increase in the next couple of quarters. | We expect our margins, cost-to-income ratio, NPA slippages to stay stable around the numbers communicated to you in the earlier con calls. | So if I got it right from your opening remarks, you're saying that guidance for FY'24 has been maintained at 12% to 14%. | To sum up, we have crossed the industry level credit growth, which was eluding us for the last couple of years, we expect that to stabilize and move f… | We expect good moderation in slippage this year. | We expect the similar reduction in the slippage maybe about INR700 crores to INR800 crores slippage we could be having for the current financial year. |
| Margin | Do you expect, because of this redeployment towards excess security, do you see further margin pressure because this or I mean you are okay? | This should give me a INR3.5 margin for us. | But if I look at slightly longer term, FY27, FY28, what will be the levers for margin improvements? | Our net interest margin for Q2 financial year '25 had improved to 3.67 % as compared to 3.54 % in Q1 financial year '25. | If you add that to Interest income, as I said, the net interest margin would have been higher. | January 31, 2025 As discussed in earlier calls, the margin should be 3.60% with plus or minus 10 basis points. | So our margin will be around this range for the current year because you will be having one end there is some interest rate hike has been passed on du… | Therefore our current net interest margin is by and large around our long-term average of say 50 quarters or so. |
| People | — | — | 900 crores of repayment per month and most importantly City Union Bank Limited July 28, 2026 only in this quarter we have seen this, the unutilized po… | — | There is also some amount of reduction in the cash credit utilization. | — | You will not be in a position to exactly calculate because when it comes to the daily average there will be fluctuations in terms of the cash credit u… | Definitely, the thing is we could see in the mixed way, the smaller entities returned the money and that utilization was coming down. |
| Pricing | More than anything else, in fact, last year or maybe about 4-5 quarters back, you had some amount of insane pricing. | So, before I give that, if you have given the finer pricing earlier, reduction will be low to that extent, number one. | So, the utilization level has dropped from 73% to 70% and we are also slightly cautious on pricing now. | — | — | How will this impact on to your product pricing with respect to -- primarily on Q2 segments that you were MSME in agri, that is how we should consider… | Is it like there is some structural change in the retail and the whole sale book which the pricing we are not able to price in the correct risk so tha… | — |
| Revenue growth | See, I am not saying that you basically have the other expenses or by and large there is a sequential from 369 to 363, but year-on-year, there is a gr… | Our deposits stood at INR65,734 crores for 1QFY26 as compared to INR54,857 crores in 1QFY25, registering a growth of 20%. | — | You may observe, we City Union Bank Limited October 21, 2024 restarted our growth at the beginning of 2022 post-COVID and reached the 14 % growth for … | So that means that we have to effectively get a growth rate of 8% to 9% in this quarter, which seems very difficult and which seems very optimistic co… | During last 1 year, out of the total credit growth of INR6,392 crores, 62% of the business came from core advances while rest is from gold loans. | Most of the parameters like PAT growth, reduction in NPA, ROA growth etc had been broadly in line on annual basis while the growth was below the expec… | Because last -- I think in the last 3, 4 quarters, you had mentioned that you will be coming back to that growth of 12% to 15%. |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2025-02-05 | Q3FY25 | CITY UNION BANK LIMITED | But as shared in the earlier quarters, we should be able to maintain the stable net interest margin that 3.6 percentage plus or minus 10 basis points, as rightly pointed out by Vijay. |
| 2025-02-05 | Q3FY25 | CITY UNION BANK LIMITED | But as you have already seen, those numbers are also almost converging and the CD ratio, we should be able to maintain at about 85 percentage, and the LCR calculations are also around 119 that level. |
| 2025-11-07 | H1FY26 | CITY UNION BANK LIMITED | We expect the cost-to- income ratio to hover around 48% to 50% for Financial Year '26 as per our earlier communication. |