City Union Bank Reports Strong Financial Performance for Q4 and FY 2026

City Union Bank Reports Strong Financial Performance for Q4 and FY 2026​

City Union Bank Limited announced its financial results for the fourth quarter and the full fiscal year ended March 31, 2026, on April 27, 2026. The results indicated notable growth across key revenue streams, profitability, and asset quality metrics.

The bank recorded a Profit After Tax (PAT) of Rs. 360 Cr for Q4 FY26, marking a 25% increase compared to the Rs. 288 Cr reported in Q4 FY25. For the full fiscal year 2026, the PAT stood at Rs. 1,326 Cr, showing an 18% growth year-over-year.

Financial Performance Overview​

The bank’s revenue streams saw consistent growth. Total Income reached Rs. 7,909 Cr for FY 26, up 17% from Rs. 6,732 Cr in FY 25. This was driven by Interest Income, which grew 18% to Rs. 6,870 Cr in FY 26 (up from Rs. 5,834 Cr in FY 25), and Non-Interest Income, which grew 16% to Rs. 1,039 Cr. Loan processing charges and insurance commission were cited as major contributors to the growth in other income this year.

In the fourth quarter alone, Total Income was Rs. 2,146 Cr, registering 20% growth compared to Rs. 1,784 Cr in Q4 FY25.

Key Profitability Metrics​

Net Interest Income (NII) showed significant improvement. For Q4 FY26, NII stood at Rs. 786 Cr, growing 31% from Rs. 600 Cr in Q4 FY25. For the entire FY 26, NII grew by 22%, reaching Rs. 2,830 Cr compared to Rs. 2,316 Cr in the previous year.

Operating Profit also witnessed robust growth. The Operating Profit for Q4 FY26 was Rs. 580 Cr, marking a 31% improvement over the Rs. 441 Cr reported in Q4 FY25. Annually, the operating profit grew 20% to Rs. 2,014 Cr in FY 26.

Assets and Deposits​

The bank’s asset base expanded substantially. Total Deposits increased by 23% in FY 26, reaching Rs. 78,308 Cr from Rs. 63,526 Cr in FY 25. Meanwhile, total Advances grew by 26% in FY 26 to Rs. 66,699 Cr, up from Rs. 53,066 Cr in FY 25.

The overall business size increased, with total business standing at Rs. 145,007 Cr in FY 26, compared to Rs. 116,592 Cr in FY 25. The proportion of CASA in total deposits was noted at 28% in FY 26.

Asset Quality and Ratios​

Asset quality metrics indicated a strong improvement. The Gross Non-Performing Assets (GNPA) for FY 26 were reduced to 1.91%, down from 3.09% in FY 25. Similarly, Net NPA decreased to 0.68% in the current quarter from 1.25% in FY 25.

Key financial ratios for FY 26 compared to FY 25 are summarized below:


The Net Interest Margin stood at 3.74% for FY 26. The bank also reported a Return on Equity that improved to 13.35% in FY 26, compared to 12.63% in FY 25.

In terms of operational expenditures, the operating expense was Rs. 497 Cr for Q4 FY26 and Rs. 1,854 Cr for FY 26, compared to Rs. 411 Cr in Q4 FY25 and Rs. 1,535 Cr in FY 25.

City Union Bank is a scheduled commercial old generation private sector bank regulated by the Reserve Bank of India. The bank also noted that it recently inaugurated its 1000th branch in Ammachathiram, Kumbakonam, expanding its geographical reach across 18 States and 4 Union Territories.

CUB Stock Price Movement​

Today, City Union Bank Limited shares gained 3.81% to close at ₹272.5, representing a jump of ₹9.99 on a high volume of trading. The equity recorded a total traded volume of 2.89 million shares, showcasing strong closing momentum for the banking sector.