City Union Bank has announced a significant increase in its financial performance for the fourth quarter of the fiscal year 2025-26, with a 25% rise in profit after tax (PAT) to ₹360 crore, compared to ₹288 crore in the same quarter of the previous year. This marks the highest PAT achieved by the bank in a single quarter.
The bank’s net interest income (NII) for Q4 FY26 grew by 31% to ₹786 crore, up from ₹600 crore in Q4 FY25. For the full fiscal year, the NII increased by 22% to ₹2,830 crore, compared to ₹2,316 crore in the previous year.
Non-interest income also saw a 16% increase, reaching ₹290 crore in Q4 FY26, up from ₹251 crore in Q4 FY25. For the entire fiscal year, non-interest income stood at ₹1,039 crore, registering a 16% growth from ₹898 crore in FY25.
The bank’s total income for Q4 FY26 was ₹2,146 crore, a 20% increase from ₹1,784 crore in Q4 FY25. Total expenses rose by 17% to ₹1,567 crore in Q4 FY26, compared to ₹1,343 crore in the same quarter of the previous year.
City Union Bank’s operating profit for Q4 FY26 increased by 31% to ₹580 crore, compared to ₹441 crore in Q4 FY25. For the full fiscal year, operating profit grew by 20% to ₹2,014 crore, up from ₹1,679 crore in the previous year.
The bank’s asset quality improved significantly, with gross non-performing assets (NPA) reducing to 1.91% in FY26 from 3.09% in FY25. Net NPA also decreased to 0.68% from 1.25% in the previous year.
City Union Bank’s total deposits increased by 23% to ₹78,308 crore in FY26, up from ₹63,526 crore in FY25. Advances grew by 26% to ₹66,699 crore, compared to ₹53,066 crore in the previous year.
The bank’s capital adequacy ratio as of 31 March 2026 was 21.92%, with a Tier-1 capital adequacy of 20.82%, both well above regulatory requirements.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).