City Union Bank announced a 16% rise in profit after tax for both Q3 and the nine months ended December 31, 2025. Net Interest Income (NII) for Q3 FY26 grew by 28% to ₹752 Cr. The bank also reported improved asset quality with Gross NPA declining to 2.17%. Deposits saw a 21% increase year-over-year.
Financial Performance Highlights
City Union Bank (CUB) has released its financial results for the third quarter (Q3) and the nine months (9M) ended December 31, 2025, showcasing significant growth and improved asset quality. Key highlights from the announcement include:
- Total Income: ₹2,001 Cr for Q3 FY26, a 17% increase year-over-year. For 9M FY26, total income reached ₹5,762 Cr, up 16%.
- Net Interest Income (NII): ₹752 Cr in Q3 FY26, reflecting a substantial 28% growth. The 9M FY26 NII stood at ₹2,044 Cr, a 19% increase.
- Profit After Tax (PAT): ₹332 Cr for Q3 FY26 and ₹967 Cr for 9M FY26, both representing a 16% increase.
Asset Quality and Business Growth
The bank also reported improvements in asset quality and overall business growth:
- Gross NPA: Decreased to 2.17% in Q3 FY26 from 3.36% in the corresponding quarter of the previous year.
- Deposits: Total deposits reached ₹70,516 Cr in Q3 FY26, a 21% increase. CASA portion stood at 27% of total deposits.
- Advances: Total advances increased by 21% to ₹60,892 Cr.
Key Financial Ratios
Several key financial ratios reflect City Union Bank’s strong performance:
- Net Interest Margin (NIM): 3.89% for Q3 FY26 compared to 3.58% in Q3 FY25.
- Return on Assets (ROA): 1.53% for Q3 FY26 and 1.55% for 9M FY26.
- Capital Adequacy Ratio (CAR): 20.13% as of December 31, 2025.
Source: BSE
