City Union Bank Ltd (NSE:CUB)

Q4 2026 City Union Bank Ltd Earnings Call Transcript

Apr 27, 2026 / 12:30PM GMT

Release Date Price: ₹203.41 (+3.31%)

Transcript

Key Points

Positve

City Union Bank Ltd (BOM:532210) achieved a significant increase in total business, with deposits growing by 23% and advances by 26% year-on-year.
The bank reported a reduction in gross NPA percentage to 1.91%, marking the lowest level in 11 years.
Net profit for the year increased by 18% to INR 1,326 crore, demonstrating strong financial performance.
The bank's cost-to-income ratio improved to 47.93%, aligning with their guidance and indicating efficient cost management.
City Union Bank Ltd (BOM:532210) maintained a stable net interest margin of 3.87% in Q4, reflecting effective interest rate management.

Negative

The CEO, Dr. N. Kamakodi, is stepping down after 15 years, which may lead to transitional challenges.
Despite growth, the bank's CASA ratio remains relatively low at 28%, which could impact future liquidity.
The bank's reliance on gold loans, which constitute a significant portion of the portfolio, poses a risk if gold prices fluctuate significantly.
Operating expenses are expected to rise by 15% to 18% due to the opening of new branches, potentially impacting profitability.
The bank's credit growth, while strong, may face challenges due to external economic factors such as the US-Iran conflict.

Operator

Ladies and gentlemen, good day and welcome to the Citi Union Bank Limited Q4 FY26 earnings conference call, hosted by Ambit Capital. (Operator Instructions) Please note that this conference is being recorded. I now hand the conference over to Jignesh from Ambit Capital.

Thank you, and over to you, sir.

Jignesh Shial

Ambit Capital - Moderator

Yeah, thank you, Bowen, and good evening, everyone. On behalf of Family Capital, I would like to thank the management of City Union Bank for allowing us the opportunity to host Q4 FY26 earnings.

We have, along with us, Dr. N. Kamakodi, MD and CEO; Mr. R. Vijay Anandh, Executive Director; Mr. V. Ramesh, Executive Director; and Mr. J. Sadagopan, CFO. I will now hand over the call to Mr. DN. Kamakodi, MBM CEO of City Union Bank for his opening remarks. Over to you, sir.

Narayanan Kamakodi

City Union Bank Ltd - Chief Executive Officer, Managing Director, Executive Director

Dear all, everybody, welcome to all of you for this semester call to discuss the audited

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