India · Delayed Price · Currency is INR City Union Bank Earnings Call Transcripts
Fiscal Year 2026
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Q4 FY26 saw record business growth with 26% advances and 23% deposit growth, while asset quality improved as gross NPA fell to 1.91%. The bank targets advances growth above industry, stable margins, and further branch expansion, with ROA guided at 1.65%-1.67%.
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Advances and deposits grew 21% year-over-year, with strong asset quality improvements and stable margins. Guidance remains for mid- to high-teens growth, stable NIM, and ROA above 1.5%, with continued focus on MSME, gold loans, and retail.
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Advances grew 18% year-over-year and deposits 21%, with asset quality at decade-best levels and ROA stable above 1.5%. NIM improved to 3.63%, and cost-to-income ratio is expected to remain within 48%-50%. Growth is driven by MSME, retail, and renewable energy lending.
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Record quarterly PAT above INR 300 crore, with 16% credit and 20% deposit growth year-over-year. Asset quality improved, NIM stable at 3.54%, and guidance maintained for mid-teen growth and 3.5% NIM. No major asset quality stress observed; MSME and gold loans remain key growth drivers.
Fiscal Year 2025
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Q4 and FY25 saw 14% credit and deposit growth, improved asset quality, and higher profitability. Guidance for FY26 includes credit growth 2-3% above industry, stable NIM at 3.5%-3.7%, and continued focus on MSME and retail expansion.
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Q3 FY25 saw robust 14.6% YoY credit growth, improved asset quality, and a 20% rise in operating profit. MSME and secured lending remain the focus, with stable margins and credit costs guided. Retail and deposit growth are expected to support future expansion.
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Double-digit credit growth and improved profitability were achieved, driven by MSME and gold loans, with digital initiatives enhancing efficiency. Asset quality improved, and new secured retail products are set for a Q4 launch, supporting future growth.
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Q1 FY25 saw 10% year-over-year advances growth, improved asset quality, and a 16% rise in PAT. Digital lending initiatives are driving early momentum, with a focus on secured retail expansion and stable ROA at 1.5%+. Upfront costs will keep the cost-to-income ratio elevated for several quarters.