CITY UNION BANK LTD. Q1 FY26 Results

Summary

City Union Bank announced its performance results for the first quarter ended June 30, 2025. The bank reported a 16% increase in Net Interest Income, 27% growth in Non-Interest Income, and a 20% rise in deposits compared to the same period last year.

Key Highlights

1. 1

   Net Interest Income of Rs.625 Cr for Q1 FY 26 registering 15% growth

2. 2

   Non Interest Income of the Bank for Q1 FY 26 was at Rs.244 Cr as against Rs.192 Cr for Q1 FY 25 registering 27% growth

3. 3

   Deposits had increased by 20% and increased to Rs.65,734 Crin Q1 FY 26 from Rs.54,857 cr in corresponding period last year

4. 4

   Total Advances increased by 16% in Q1 FY 26 and stood at Rs.54,020 Cr as against Rs.46,548 Cr in Q1 FY 25

5. 5

   Gross NPA for Q1 FY 26 was reduced to 2.99% from 3.88% in Q1 FY 25 which is 89 bps reduction

6. 6

   Net NPA had decreased to 1.20% in the current quarter from 1.87 % in Q1 FY 25

7. 7

   Net Interest Margin is at 3.54% for Q1 FY 26 which is broadly in line with our guidance levels given earlier

8. 8

   Return on assets for Q1 FY 26 is 1.55% which is in line with our long-term average levels

9. 9

   Return on Equity was at 12.85% in Q1 FY 26 compared to 12.45% in Q1 FY 25

10. 10

    Cost to income ratio for Q1 FY 26 had stood at 48.12% as compared to 49.34% for the same period last year

11. 11

    The Bank’s capital adequacy as on 30.06.2025 as per Reserve Bank of India (RBI) guidelines on Basel III norms is 23.10% and Tier-1 capital adequacy was 22.09%