City Union Bank Ltd Share Price – NSE /  BSE

Banks, Small Cap

City Union Bank has received affirmation in issuer ratings issued by CARE at CARE AA-; Positive (outlook revised from Stable).

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City Union Bank has inaugurated four new branches at Ammanankoil (Tirupattur, Tamil Nadu), Pragathi Nagar (Hyderabad), Hanumangarh (Rajasthan) and MVP Colony (Visakhapatnam, Andhra Pradesh). With this, the bank's branch network has increased to 909 branches.

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City Union Bank has appointed R. Vijay Anandh (currently Executive Director of the Bank) as the Managing Director & CEO of the Bank for a period of 3 years w.e.f 01 May 2026.

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Net interest income (NII) rose 28% to Rs 752 crore in the December 2025 quarter, compared to Rs 588 crore in Q3 FY25. For Q3 FY26, NIM was at 3.89% as against 3.58% in the corresponding period last year.

Profit before tax (PBT) grew 15.6% year on year (YoY) to Rs 417.16 crore in the quarter ended 31 December 2025.

The bank's operating profit before provisions and contingencies jumped 18% to Rs 513 crore in the December 2025 quarter, compared to Rs 436 crore recorded in Q3 FY25.

The bank made a provision of Rs 468 crore as of 31 December 2025, as against Rs 402 crore in the corresponding period last year.

On the asset quality front, the gross non-performing assets (GNPA) were at Rs 1,320 crore as of 31 December 2025, down 20.03% as against Rs 1,693 crore as of 31 December 2024. The ratio of gross NPA stood at 2.17% as of 31 December 2025, compared to 3.36% as of 31 December 2024. The ratio of net NPA stood at 0.78% as of 31 December 2025, compared with 1.42% as of 31 December 2024.

The bank?s capital adequacy as of 31 December 2025, as per Reserve Bank of India (RBI) guidelines on Basel III norms, is 20.13%, and Tier-1 capital adequacy was 19.18%, well above regulatory requirements.

Total deposits of the bank had increased by 21.01% and increased to Rs 70,516 crore in Q3 FY26 from Rs 58,271 crore in the corresponding period last year. The CASA portion stood at 27% of total deposits. The cost of deposits reduced to 5.57% in Q3 FY26 from 5.71% in Q3 FY25.

Total advances increased by 21% for Q3 FY26 to Rs 60,892 crore from Rs 50,409 crore in Q3 FY25. The average credit deposit ratio stood at 84%. The yield on Advances for Q3 FY26 improved to 9.73% compared to 9.66% in Q2 FY26.

City Union Bank is an old private sector bank with 902 branches across 18 states and four Union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. City Union Bank has contemporary technology and infrastructure, including ATMs, net banking, mobile banking, e-wallets, and social media banking for personal as well as business banking customers.

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