City Union Bank Limited Q1 FY27 earnings call summary

Earnings call of 28 Jul 2026, summarised by AI from the filing.

₹383 cr (Q1 FY26: ₹306 cr, +25%), highest in bank history.

Key takeaways

1. PAT ₹383 cr (Q1 FY26: ₹306 cr, +25%), highest in bank history.
2. Change MSME utilization dropped to 70% from 73%, slowing MSME growth.
3. Driver MSME and gold loans drive growth; MSME disbursals average ₹3,500 cr per quarter.
4. Risk Rising term deposit rates may increase cost of deposits and impact NIM by around 5 bps.

Original filing on BSE

City Union Bank Limited Q1 FY27 results

As filed: Revenue ₹1,985 cr, EBITDA ₹259 cr, PAT ₹383 cr, EBITDA margin 13.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,856 cr, EBITDA ₹169 cr, PAT ₹360 cr, EBITDA margin 9.1%. Not scored. Bank result format: not scored yet. Share price after the results: −6.4% in 29 days (Nifty 500: +0.6%).
• Q3 FY26: Revenue ₹1,756 cr, EBITDA ₹172 cr, PAT ₹332 cr, EBITDA margin 9.8%. Not scored. Bank result format: not scored yet. Share price after the results: −8.5% in 30 days (Nifty 500: −1.9%).
• Q2 FY26: Revenue ₹1,653 cr, EBITDA ₹155 cr, PAT ₹329 cr, EBITDA margin 9.4%. Not scored. Bank result format: not scored yet. Share price after the results: +16.1% in 30 days (Nifty 500: −0.4%).
• Q1 FY26: Revenue ₹1,605 cr, EBITDA ₹137 cr, PAT ₹306 cr, EBITDA margin 8.5%. Not scored. Bank result format: not scored yet. Share price after the results: −8.5% in 29 days (Nifty 500: −2.0%).
• Q4 FY25: Revenue ₹1,533 cr, EBITDA ₹112 cr, PAT ₹288 cr, EBITDA margin 7.3%. Not scored. Bank result format: not scored yet. Share price after the results: +12.8% in 28 days (Nifty 500: +3.6%).
• Q3 FY25: Revenue ₹1,479 cr, EBITDA ₹133 cr, PAT ₹286 cr, EBITDA margin 9.0%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹1,434 cr, EBITDA ₹132 cr, PAT ₹285 cr, EBITDA margin 9.2%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

City Union Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (28 Jul 2026), Results deck (28 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026)
• Q3 FY26: Earnings call (2 Feb 2026), Results deck (2 Feb 2026), Results press release (2 Feb 2026)
• Q2 FY26: Earnings call (3 Nov 2025), Results deck (3 Nov 2025)
• Q1 FY26: Earnings call (31 Jul 2025), Results deck (31 Jul 2025), Results press release (31 Jul 2025)
• Q4 FY25: Earnings call (2 May 2025), Results deck (2 May 2025)
• Other events: Call transcript (28 Jul 2026), Call transcript (27 Apr 2026), Call transcript (3 Feb 2026), Call transcript (4 Nov 2025), Call transcript (1 Aug 2025)