City Union Bank Ltd (BOM:532210)

Q4 2025 City Union Bank Ltd Earnings Call Transcript

May 2, 2025 / 12:30 PM GMT

Release Date Price: ₹130.16 (-1.70%)

Transcript

Key Points

Positve

City Union Bank Ltd (BOM:532210) achieved a 14% growth in gross advances for FY25, marking a significant recovery post-COVID.
The bank reported a 90 basis points reduction in gross NPA, closing at 3.09% for FY25, indicating improved asset quality.
Interest income grew by 12% in Q4 2025, contributing to an 11% increase for the full financial year.
The bank's cost-to-income ratio was better than expected at 47.77%, due to postponed expenses.
City Union Bank Ltd (BOM:532210) successfully launched digital initiatives, including CUB-branded credit cards, enhancing customer service and operational scalability.

Negative

The cost of deposits increased to 6.02% for Q4 FY25, up from 5.75% in Q4 FY24, impacting profitability.
Despite improvements, the bank's net NPA remains at 1.25%, which is still a concern for investors.
The bank's ROE stood at 12.6% for Q4 FY25, which, while improved, may still be considered modest by some investors.
There is uncertainty regarding the impact of global economic conditions on the bank's MSME sector, particularly for export-oriented companies.
The bank anticipates a cost-to-income ratio of 48% to 50% for FY26, indicating potential cost pressures as retail vertical expenses are realized.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CTBK.NS - City Union Bank Ltd
Q4 2025 City Union Bank Ltd Earnings Call
May 02, 2025 / 12:30PM GMT

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Conference Call Participants
=====================
* Sameer Bhise
Dymon Asia Capital - Analyst
* Dhaval Gala
Aditya Birla Sun Life Mutual Fund - Analyst
* Mona Khetan
Dolat Capital Market Pvt. Ltd. - Analyst
* M B Mahesh
Kotak Securities (Institutional Equities) - Analyst
* Jai Prakash Mundhra
ICICI Securities Limited - Analyst
* Anand Dama
Emkay Global - Analyst
* Bunty Chawla
IDBI Capital Market Services Limited - Analyst
* Gaurav Jani
Prabhudas Lilladher (Pvt) Ltd. - Analyst

=====================
Presentation
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Unidentified Corporate Participant [1]
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(audio in progress)

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