City Union Bank Q3 FY26 Shines: ₹3.32 Bn Profit, GNPA Dips to 2.17% on Strong Interest Income

City Union Bank Ltd (CUB), a Tamil Nadu-based private lender with 812 branches, unveiled stellar Q3 FY26 results on Feb 2, 2026, posting net profit of ₹3.32 billion backed by ₹17.56 billion interest income.

Provisions at ₹960 million reflected prudent risk management, while gross NPA fell to 2.17%, continuing asset quality gains from Q2's 2.42%. This builds on Q2's ₹329 crore profit (+15% YoY) and NII ₹667 crore (+14%), driven by retail/SME advances growing 18% YoY to ~₹57,561 Cr.

Deposits swelled ~21% YoY, supporting NIM stability at ~3.54% and ROA 1.55%. MD N. Kamakodi highlighted digital initiatives and credit discipline amid economic resilience. Shares traded at ~₹274 (mcap ₹20,389 Cr).

Key Highlights

• Net Profit: ₹3.32 billion for Q3 FY26.
• Interest Earned: ₹17.56 billion, fueling top-line growth.
• ​Provisions: ₹960 million for contingencies.
• ​Gross NPA: Improved to 2.17%.
• ​Total Income: Around ₹20 billion mark.
• ​Balance Sheet: Deposits/loans up ~14-21% YoY trends from prior quarters.
• ​Efficiency: NIM ~3.54%, ROA 1.55% in line with guidance.

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CUB's focus on efficiency positions it strongly in competitive banking.

Sources: MarketScreener, InvestyWise, Moneycontrol, Reuters via TradingView