City Union Bank Q2 FY27: Deposits Up 21%, Advances Up 26%, PAT Grows 27%
City Union Bank's Q2 FY27 results show a 21% rise in deposits to ₹839 Bn and a 26% increase in advances to ₹724 Bn. Net profit grew 27% to ₹4,159 Mn. ROA was 1.62%, ROE 15.01%, and NIM 3.87%. Gross NPA stood at 1.44% and Net NPA at 0.48%.
The significant growth in key financial metrics and improved profitability indicators are likely to have a positive impact on investor confidence and the bank's market valuation.
The bank has reported strong year-on-year growth in deposits, advances, net interest income, operating profit, and net profit, along with healthy ratios like ROA, ROE, and NIM, and stable asset quality metrics.
City Union Bank Limited (CUB) has announced its unaudited financial results for the second quarter and half-year ended September 30, 2026. The bank reported a significant year-on-year growth in key financial metrics.
Deposits increased by 21% to ₹839 billion (₹83,893 crore) from ₹695 billion (₹69,500 crore) in the same period last year. Advances registered a robust growth of 26%, reaching ₹724 billion (₹72,441 crore) from ₹576 billion (₹57,600 crore) year-on-year. Consequently, the total business grew by 23% to ₹1,563 billion (₹1,56,335 crore) from ₹1,270 billion (₹1,27,000 crore).
Net interest income saw a substantial rise of 31%, amounting to ₹8,728 million (₹872.8 crore) compared to ₹6,665 million (₹666.5 crore) in the prior year. Operating profit increased by 40% to ₹6,609 million (₹660.9 crore) from ₹4,706 million (₹470.6 crore). Profit After Tax (PAT) improved by 27%, reaching ₹4,159 million (₹415.9 crore) from ₹3,286 million (₹328.6 crore).
The bank's performance ratios also showed positive trends. Return on Assets (ROA) stood at 1.62%, exceeding the bank's long-term average of 1.50%. Return on Equity (ROE) was reported at 15.01%, and Net Interest Margin (NIM) improved to 3.87%. Asset quality remained stable with Gross NPA at 1.44% and Net NPA at 0.48%. The Provision Coverage Ratio (PCR) was 82% (with TW) and 67% (without TW). Capital Adequacy Ratio (CRAR) under Basel III was 21.26%, with core CRAR at 20.43%.
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See the model portfoliosA plain-language summary of a public exchange filing by City Union Bank Limited. Read the original for the full detail.