City Union Bank Q2 FY27 Profit Soars 27% to ₹416 Crore, NII Up 31%
City Union Bank reported a 27% rise in Q2 FY27 PAT to ₹416 crore on October 28, 2026. Net Interest Income grew 31% to ₹873 crore. Deposits increased 21% to ₹83,893 crore and Advances rose 26% to ₹72,442 crore. Gross NPA fell to 1.44% and Net NPA to 0.48%.
The announcement details strong financial performance with significant growth in profits and key operational metrics, alongside improved asset quality, which are highly material for investors and stakeholders.
The bank reported strong year-on-year growth in key financial metrics including Net Profit, Net Interest Income, Deposits, and Advances, along with significant improvement in asset quality (reduction in NPAs).
City Union Bank Limited (CUB) announced its standalone un-audited financial results for the second quarter and half-year ended September 30, 2026. The Board of Directors approved these results on October 28, 2026.
For the second quarter of FY27, the bank reported a Profit After Tax (PAT) of ₹416 crore, a significant increase of 27% compared to ₹329 crore in Q2 FY26. Net Interest Income (NII) grew by 31% to ₹873 crore from ₹667 crore in the same period last year. Non-Interest Income also saw a substantial rise of 35%, reaching ₹350 crore from ₹259 crore. Operating Profit surged by 40% to ₹661 crore.
For the half-year ended FY27, PAT increased by 26% to ₹798 crore from ₹635 crore in H1 FY26. NII grew by 31% to ₹1,693 crore. Total Income for H1 FY27 stood at ₹4,671 crore, a 24% increase from ₹3,761 crore in H1 FY26.
Key balance sheet items showed strong growth, with Deposits increasing by 21% to ₹83,893 crore and Advances by 26% to ₹72,442 crore in Q2 FY27 compared to the previous year. The bank's asset quality improved, with Gross NPA reducing to 1.44% from 2.42% and Net NPA decreasing to 0.48% from 0.90% year-on-year.
Net Interest Margin (NIM) improved to 3.87% for Q2 FY27 from 3.63% in Q2 FY26. Return on Assets (ROA) was 1.62% for Q2 FY27. The Cost to Income Ratio (CIR) for Q2 FY27 was 45.96%, an improvement from 49.16% in Q2 FY26, with expectations of CIR remaining between 48% and 50% for the current financial year.
Capital Adequacy Ratio (CAR) stood at 21.26% as of September 30, 2026, well above regulatory requirements. The bank will host an earnings conference call on October 28, 2026, at 6:30 p.m. IST to discuss its performance.
What to do with a filing like this
City Union Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by City Union Bank Limited. Read the original for the full detail.