Earnings Call Transcript - Q4 & FY 2026
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City Union Bank reported its Q4 and FY2026 results with significant milestones during MD & CEO Dr. N. Kamakodi's final earnings call before his retirement after 15 years. Advances grew 26% YoY to INR 66,698 crores, deposits rose 23% to INR 78,308 crores, and total business growth hit 24% - the highest in recent years. Gross NPA improved to 1.91% (below 2% after 11 years) from 3.09% YoY, with net NPA at 0.68%. PAT grew 18% YoY to INR 1,326 crores with Q4 PAT being the highest ever at INR 360 crores. NIM stood at 3.87% in Q4, and ROA at 1.56%. The bank opened its 1,000th branch during the quarter. New CEO R. Vijay Anandh outlined FY27 targets including advances growth of 2-3% above industry, ROA improvement to 1.65-1.67%, and opex increase of 15-18% due to branch expansion.
The leadership transition is smooth with strong operational metrics - asset quality has improved significantly and growth momentum is strong. The bank's focus on MSME, gold loans, and secured retail while avoiding risky segments positions it well. However, external factors like the US-Iran conflict and gold price volatility require monitoring.