City Union Bank Releases Q2FY27 Earnings Call Transcript
City Union Bank's Q2FY27 earnings call transcript reveals total business crossing ₹150,000 crores. Advances grew 26% to ₹72,442 crores. Deposits rose 21% to ₹83,893 crores. NIM improved to 3.87%, and PAT grew 27% to ₹416 crores. Gross NPA decreased to 1.44%, and Net NPA to 0.48%. The bank anticipates NIM between 3.85%-3.95% for Q3/Q4.
The announcement provides a detailed update on the bank's financial performance and strategic initiatives, including asset quality management and growth projections. This level of detail is crucial for investors and analysts in assessing the bank's current standing and future prospects.
The announcement details strong financial performance with significant growth in advances, deposits, and PAT, alongside improvements in asset quality metrics like reduced NPA. Positive outlook for NIM and ROA further supports a positive sentiment.
City Union Bank Limited has made the transcript of its Earnings Conference Call for the Second Quarter and Half Year ended September 30, 2026, available on its website. The call, which took place on October 28, 2026, featured discussions with the Bank's MD & CEO, R. Vijay Anandh, Executive Director V. Ramesh, and CFO J. Sadagopan, alongside Mr. Jignesh Shial from Ambit Capital. During the call, the bank announced crossing the milestone of ₹150,000 crores in total business. Advances grew by 26% year-on-year to ₹72,442 crores, with MSME loans increasing by ₹2,600 crores and secured retail loans by ₹1,134 crores. Gold loans also saw a rise of ₹1,062 crores. The bank detailed its robust practices for jewel loans, including adherence to RBI's revised lending against gold and silver collateral directions, emphasizing clear agri and non-agri classifications, and maintaining LTV norms. As of September 30, 2026, SMA accounts under the gold loan portfolio stood at approximately ₹173 crores, representing 0.24% of gold advances, with Gross NPA at ₹9.5 crores. Deposits grew by 21% to ₹83,893 crores, with a CASA percentage of 27%. Asset quality showed improvement, with total slippages of ₹175 crores and total recoveries of ₹317 crores for Q2 FY27, resulting in negative credit cost. Gross NPA percentage reduced to 1.44% and Net NPA to 0.48%. Interest income grew by 27% to ₹2,092 crores, and NIM increased to 3.87% in 2QFY27. Operating profit grew by 35% to ₹1,241 crores for 1HFY27. PAT for Q2 stood at ₹416 crores, a 27% growth, and for 1HFY27 at ₹798 crores, a 26% growth. The cost-to-income ratio improved to 45.96% in 2QFY27, and ROA stood at 1.62%. The bank projects NIM in the range of 3.85% to 3.95% for Q3 and Q4 FY27, and ROA expected to move above 1.6%. The bank also discussed the increase in operating expenses due to annual wage hikes and contingent provisions made for economic uncertainties. The transcript also covered detailed Q&A sessions on gold loan practices, asset sales, operating expenses, and tax rates.
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City Union Bank Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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