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As of 18 Sept 2026, 03:30 pm
On September 11, 2026, City Union Bank Limited announced it received no-objection from the Reserve Bank of India to amend its Memorandum and Articles of Association. These amendments include increasing the authorized share capital to ₹20,00,00,00,000 (₹200 crores). This increase was previously ratified by shareholders on August 7, 2026, and involves creating 2,00,00,00,000 equity shares of Re. 1/- each.
As of September 18, 2026, City Union Bank's stock closed at ₹235.79. The daily trend shows a bullish Supertrend indicator at ₹214.31, with the 20-day Exponential Moving Average (EMA) at ₹228.14 and the 50-day EMA at ₹221.72. On a monthly basis, the Supertrend is also bullish at ₹141.93, with the 20-day EMA at ₹188.85 and the 50-day EMA at ₹181.28. The stock has shown a 1-year return of 52% and a Year-to-Date (YTD) return of 9%.
City Union Bank participated in the 'Elara India Dialogue 2026' analyst conference call organized by Elara Capital on September 1, 2026. The bank is also scheduled to participate in the Annual Flagship Conference G 200 Summit 2026 in Mumbai on September 21, 2026, organized by Anand Rathi Institutional Equities. These events involve meetings with analysts and institutional investors.
As of 18 Sept 2026, 03:30 pm
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The session opened materially above the previous close, indicating a sharp repricing at the open.
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Latest complete financial results for Q1 FY2027 and comparative quarterly trends.
| Metric | Q1 FY2026-27(Latest) | Q4 FY2025-26 | Q3 FY2025-26 | Q2 FY2025-26 | Q1 FY2025-26 |
|---|---|---|---|---|---|
| Operating Profit Before Provision And Contingencies | PEAK₹580.57 crore | ₹579.56 crore | ₹513.16 crore | ₹470.59 crore | ₹450.92 crore |
| Income | PEAK₹2,228.57 crore | ₹2,146.09 crore | ₹2,001.03 crore | ₹1,912.26 crore | ₹1,849.20 crore |
| Interest Expended | PEAK₹1,164.85 crore | ₹1,069.78 crore | ₹1,003.51 crore | ₹986.59 crore | ₹980.04 crore |
| Operating Expenses | ₹483.15 crore | PEAK₹496.74 crore | ₹484.36 crore | ₹455.08 crore | ₹418.24 crore |
| Profit Loss From Ordinary Activities Before Tax | PEAK₹502.57 crore | ₹459.56 crore | ₹417.16 crore | ₹413.59 crore | ₹380.92 crore |
| Percentage Of Gross Npa | 0.0173 | 0.0191 | 0.0217 | 0.0242 | PEAK0.0299 |
The gross non-performing asset (NPA) ratio continued its downward trajectory, falling to 1.73% from 1.91% in the March quarter and 2.99% a year earlier. This marks the fifth consecutive quarter of improvement in the reported ratio. The absolute value of gross NPAs declined to ₹1,169.74 crore from ₹1,273.08 crore in the prior quarter.
The Common Equity Tier 1 (CET1) ratio rose to 21.73% in the June quarter, up from 20.82% in the March quarter. This reverses a decline that had brought the ratio down to 19.18% in the December quarter. The current level remains slightly below the 22.09% recorded a year earlier.
Basic earnings per share fell to ₹3.86 per share, a 20.25% decrease from ₹4.84 in the March quarter. Over the past year, EPS has declined 6.54% from ₹4.13. Profit after tax grew 6.40% sequentially to ₹382.57 crore, meaning the sharper drop in per-share earnings reflects an increase in the number of shares outstanding rather than a decline in profitability.
Exchange disclosures and regulatory announcements for City Union Bank.
City Union Bank Limited informed on September 17, 2026, that it will participate in the Annual Flagship Conference G 200 Summit 2026 in Mumbai on September 21, 2026, at 10:00 AM. The meeting is a group analyst meet with Anand Rathi Institutional Equities, represented by Neha Dawda, and will be held in both physical and virtual modes.
City Union Bank will participate in the Anand Rathi Annual Flagship Conference G-200 Summit 2026 organized by Anand Rathi Institutional Equities on September 21, 2026, in Mumbai.
City Union Bank Limited received the Reserve Bank of India's no-objection on September 11, 2026, regarding amendments to its Memorandum and Articles of Association. The approved changes include increasing the authorized share capital to Rs. 20,00,00,00,000 (Rs. 200 crores) divided into 2,00,00,00,000 equity shares of Re. 1/- each, as ratified by shareholders at the AGM on August 7, 2026. These amendments were formally communicated to the National Stock Exchange and BSE on September 11, 2026, with the altered documents certified as true copies.
City Union Bank Limited participated in the 'Elara India Dialogue 2026' analyst conference call organized by Elara Capital on September 1, 2026, in Mumbai. This event followed a prior communication to stock exchanges dated August 21, 2026, regarding the scheduled participation. The filing serves as a regulatory disclosure under SEBI Listing Regulations to inform the National Stock Exchange and BSE Ltd. of the conference outcome.
City Union Bank disclosed the outcome of an analysts and institutional investors conference call held on September 1, 2026, for which prior intimation was provided on the same date.
City Union Bank will participate in the 'Elara India Dialogue 2026' conference organized by Elara Capital on September 1, 2026, in Mumbai. The schedule is available on the bank's website.
CITY UNION BANK LIMITED intimated a scheduled Analyst Meet with Elara Capital on September 1, 2026, at 9:00 AM in Mumbai as a one-to-one meeting for the Elara India Dialogue 2026.
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Comprehensive Section Breakdown for City Union Bank
Strategic Vision: Indian private sector bank offering diverse financial services.
• Focus on specialized lending for agriculture and rural banking.
• Tailored services for Non-Resident Indians (NRIs).
• Online service suite for academic institutions.
City Union Bank Limited’s core earnings stalled in the June quarter of Q1 FY2026-27 (quarter ended 30 June 2026) as rising interest costs offset income growth, though lower credit provisions allowed profit before tax to advance. The bank’s asset quality showed further improvement, and its capital position strengthened sequentially. However, earnings per share declined sharply despite growth in reported profits, pointing to a change in the share count.
Total income reached ₹2,228.57 crore, up 3.84% from the March quarter and 20.52% higher than the same quarter a year earlier. Interest expenses rose 8.89% sequentially to ₹1,164.85 crore, outpacing income growth for the first time in the reported sequence. Year-over-year, interest expenses grew 18.86%, slightly lagging the 20.52% rise in total income.
Operating expenses fell 2.74% sequentially to ₹483.15 crore, reversing a four-quarter upward trend. Employee costs remained flat at ₹234.73 crore, while other operating expenses decreased to ₹248.42 crore from ₹262.14 crore in the prior quarter.
Operating profit before provisions and contingencies came in at ₹580.57 crore, virtually unchanged from the ₹579.56 crore recorded in the March quarter. The 0.17% sequential increase marks a pause after several quarters of steady growth. On a year-over-year basis, operating profit grew 28.75%.
Profit before tax rose to ₹502.57 crore, up 9.36% sequentially and 31.94% year-over-year. The increase in profit before tax was driven by a reduction in provisions and contingencies, which fell from ₹120.00 crore in the March quarter to ₹78.00 crore in the June quarter.
City Union Bank reported a strong Q1 FY27, with net interest income up 31% YoY to Rs.820 Cr and profit after tax up 25% to Rs.383 Cr, driven by 25% advances growth and 21% deposit growth. Management highlighted that the net interest margin of 3.78% is in line with its earlier guidance, while return on assets of 1.57% remains at the bank’s long-term average. Asset quality saw significant improvement, with gross NPA declining to 1.73% (from 2.99% a year ago) and net NPA to 0.61% (from 1.20%), supported by a provision coverage ratio of 85% (including technical write-offs).
The bank’s strategy continues to focus on granular, collateralized lending to SMEs and MSMEs, which now constitute about 37% of the loan book. Cost efficiency improved, with the cost-to-income ratio falling to 45.42% from 48.12% a year ago. Capital adequacy remains robust at 21.73% (Tier I 20.97%), well above regulatory minimums. Management’s commentary reaffirms stability in key profitability metrics and asset quality, with no explicit forward guidance beyond noting that NIM and ROA are tracking to prior expectations.
City Union Bank Limited’s June quarter was defined by a pause in core earnings growth, as an 8.89% sequential jump in interest costs offset a 3.84% rise in total income. Lower credit provisions allowed profit before tax to advance by 9.36%, while asset quality continued to improve for the fifth straight quarter. Capital adequacy strengthened sequentially, though earnings per share fell sharply due to a larger share count, decoupling per-share performance from the underlying profit growth.
Category: Financial Services
Operations related to the bank's treasury functions.
Category: Financial Services
Provides customized banking services and support for corporate clients and MSMEs, including working capital solutions.
Category: Financial Services
Offers personal banking services such as accounts, deposits, and various loan products, with digital support for retail customers.
Category: Financial Services
Includes specialized lending for agriculture and rural needs, services for NRIs, and online services for academic institutions.
Core Thesis: Leveraging technology to enhance service delivery across all banking segments.
• Technology-Driven Banking: Utilizes online platforms, Demat services, wealth management, PoS terminals, FASTag, and gold bond schemes to improve service delivery. • Digital Services: Facilitates online and offline support for retail customers and offers a suite of online services for educational entities. • Specialized Lending: Extends services to specific sectors like agriculture, rural banking, and caters to Non-Resident Indians (NRIs).