City Union Bank Limited — PPTs, 02-02-2026: Investor Presentation

City Union Bank delivered robust Q3 FY26 results. Deposits surged 21% YoY to ₹70,516 Cr, with Advances also climbing 21% YoY to ₹60,892 Cr, pushing total business growth to 21% at ₹131,408 Cr. Net Profit for the quarter increased 16% YoY to ₹332.1 Cr.

Asset quality saw notable improvement, with Gross NPA at 2.17% and Net NPA at 0.78%. Key profitability metrics remain strong: Return on Assets at 1.53%, Return on Equity at 13.18%, and Net Interest Margin at 3.89%. Quarterly EPS stood at ₹4.48.

The bank continues its focus on the specialized SME/MSME segment, contributing to a granular asset profile. Strategic growth drivers include expanding digital offerings like the CUB Kavachh secured credit card, CUB SalarySe for professionals, and various UPI innovations. These digital initiatives, alongside an AI Conversational BOT and Digital Lending Platform, enhance customer experience and efficiency. The bank recently celebrated 120 years and received multiple national awards for its digital transformation and AI adoption.