CITY UNION BANK Results Analysis-Q2FY2027

Interest Earned for Q2FY27 is Rs. 2,092 Crs., 26.56% growth YoY, Net Interest Income is Rs. 873 Crs., 30.94% growth YoY, Total Income is Rs. 2,442 Crs., 27.73% growth YoY, Pre-Provisioning Operating Profit is Rs. 661 Crs., 40.44% growth YoY, PBT is Rs. 541 Crs., 30.78% growth YoY, Net profit is Rs. 416 Crs., 26.57% growth YoY. On QoQ basis Interest Earned has achieved 5.4% growth, Net Interest Income has grown by 6.42%, Total Income has grown by 9.6%, Pre-Provisioning Operating Profit has grown by 13.84%, PBT grown by 7.63%, PAT is grown also by 8.71%. For Q2FY27 Gross NPA 1.44% vs 2.42% in Q2FY26, Net NPA 0.48% vs 0.90% in Q2FY26. Return on Assets is 1.59% flat YoY, Return on Equity is 15.01% improved by 166 BPS YoY. Q2 FY27 NIM 3.87% (up from 3.78% QoQ), Exited the entire mutual fund and moved to interest income earning investments, Because of that, NIM has increased. The total business grew by 23% from Rs.1,270 Bn to Rs.1,563 Bn Y-o-Y Advances +26% YoY to ₹72,442 cr (from ₹57,561 cr in Q2 FY26), Gold loans: up ₹1,062 cr QoQ to ₹21,777 cr (from ₹20,715 cr), Deposits +21% YoY to ₹83,893 cr (from ₹69,486 cr).