City Union Bank Limited has informed the Exchange about Transcript

City Union Bank reported its highest-ever quarterly profit, crossing the INR 300 crore PAT mark for the first time at INR 306 crores, up 16% year-on-year. Credit growth was strong at 16% YoY with advances rising to INR 54,020 crores, and deposits grew 20% to INR 65,734 crores. NIM for the quarter stood at 3.54%, and management reiterated full-year FY26 NIM guidance of around 3.5%, with quarterly trajectory of 3.45-3.5% in Q2, 3.55% in Q3, and 3.55-3.6% in Q4. Asset quality improved sharply with GNPA falling to 2.99% (from 3.88%) and net NPA to 1.2% (from 1.87%), while SMA2 dropped to 1.59% from 2.22%. ROA held at 1.55% and cost-to-income ratio at 48.12%, with operating profit up 21% to INR 451 crores. Management expects 75-80 branch additions this year, credit cost of 0.2-0.25%, and PCR rising to 63-64%.