City Union Bank Limited — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

City Union Bank has announced a board meeting on May 14, 2025, to consider the financial results for the quarter and half-year.

City Union Bank reported 14% credit and deposit growth in FY25, with advances at Rs. 53,066 Cr and deposits at Rs. 63,526 Cr. CASA ratio stood at 29%, credit-to-deposit ratio at 84%. Asset quality improved as gross NPA fell to 3.09% and net NPA to 1.25%. NIM was steady at 3.60%. Operating profit and PAT grew 11% to Rs. 1,679 Cr and Rs. 1,124 Cr, respectively. Management expects FY26 credit growth to outpace industry by 2%-3%, driven by MSME, gold, and retail secured loans, with stable margins and improving asset quality. Retail loans target Rs. 3,000 Cr by FY26-end, with branch expansion outside Tamil Nadu.