City Union Bank Limited has informed the Exchange about Transcript
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City Union Bank reported FY25 results with 14% credit growth (gross advances at Rs 53,066 cr) and 14% deposit growth (Rs 63,526 cr), with CD ratio at 84%. Asset quality improved sharply — gross NPA fell to 3.09% from 3.99% and net NPA to 1.25% from 1.97%. NIM held steady at 3.60%, and management guided for 3.5-3.7% in FY26 despite rate cuts. ROA was 1.55% (above long-term average of 1.5%), PAT grew 11% to Rs 1,124 cr, and cost-to-income was 47.77%. The Board recommended a 200% dividend (Rs 2/share), up from 150% last year. Management expects credit growth 2-3% above industry, slippages of Rs 650-700 cr for FY26, and continued recovery exceeding slippages. PCR without technical write-offs improved to 60% from 52%.
Improving asset quality, margin resilience through a rate-cut cycle, and a higher dividend payout are positive for shareholders. The retail vertical is expected to meaningfully contribute to growth in FY26, though ROA improvement guidance was not given despite analyst questions.