Financial Performance Highlights

Balance Sheet Growth (YoY Comparison)

  • Deposits: ₹79,342 Cr (Q1 FY27) vs ₹65,734 Cr (Q1 FY26) - 21% growth
  • Advances: ₹67,645 Cr (Q1 FY27) vs ₹54,020 Cr (Q1 FY26) - 25% growth
  • Total Business: ₹1,46,987 Cr (Q1 FY27) vs ₹1,19,754 Cr (Q1 FY26) - 23% growth
  • CASA: ₹21,094 Cr (Q1 FY27) vs ₹17,951 Cr (Q1 FY26) - 18% growth

Asset Quality

  • Gross NPA: ₹1,170 Cr (1.73%) in Q1 FY27 vs ₹1,617 Cr (2.99%) in Q1 FY26 - 126 bps improvement
  • Net NPA: ₹405 Cr (0.61%) in Q1 FY27 vs ₹635 Cr (1.20%) in Q1 FY26
  • Provision Coverage Ratio: 85% (including technical write-offs) and 65% (excluding technical write-offs) as of June 30, 2026

Income Statement

  • Net Interest Income: ₹820 Cr in Q1 FY27 vs ₹625 Cr in Q1 FY26 - 31% growth
  • Non-Interest Income: ₹244 Cr in Q1 FY27, similar to Q1 FY26
  • Operating Expenses: ₹483 Cr in Q1 FY27 vs ₹418 Cr in Q1 FY26
  • Operating Profit: ₹581 Cr in Q1 FY27 vs ₹451 Cr in Q1 FY26 - 29% growth
  • Provisions: ₹198 Cr in Q1 FY27 vs ₹145 Cr in Q1 FY26
  • Net Profit (PAT): ₹383 Cr in Q1 FY27 vs ₹306 Cr in Q1 FY26 - 25% growth

Key Financial Ratios

  • Cost of Deposits: 5.56% (Q1 FY27) vs 5.95% (Q1 FY26) vs 5.60% (Q4 FY26)
  • Yield on Advances: 9.79% (Q1 FY27) vs 9.81% (Q1 FY26) vs 9.80% (Q4 FY26)
  • Net Interest Margin: 3.78% (Q1 FY27) vs 3.54% (Q1 FY26)
  • Return on Assets: 1.57% (Q1 FY27) vs 1.55% (Q1 FY26)
  • Return on Investments: 6.44% (Q1 FY27) vs 7.76% (Q1 FY26)
  • Return on Equity: 14.37% (Q1 FY27) vs 12.85% (Q1 FY26)
  • Cost to Income Ratio: 45.42% (Q1 FY27) vs 48.12% (Q1 FY26)
  • Capital Adequacy Ratio: 21.72% (Q1 FY27) vs 23.10% (Q1 FY26)
  • Tier-1 Capital Adequacy: 20.97% (Q1 FY27)

Additional Operational Metrics

  • Average Credit Deposit Ratio: 86%
  • Asset Quality Trend: Both Gross NPA and Net NPA have shown sequential decrease over the last 12 quarters

Business Profile

  • 1000 branches across 17 states and 3 union territories
  • Focus segments: SMEs, Agriculture, and Traders
  • Technology offerings include ATMs, Net Banking, Mobile Banking, E-Wallet, Social Media Banking

Investor Relations

  • Earnings conference call scheduled for July 28, 2026 at 6:00 PM IST
  • Transcript available in Investor Relations section of website: www.cityunionbank.bank.in