City Union Bank [NSE: CUB], a leading private sector lender, announced its Q1 FY26 results on Thursday, 31st July 2025. The bank reported growth in both income and profitability for the quarter. Investors tracking City Union Bank’s share price and those interested in banking sector stocks closely watched the update.
For Q1 FY26, City Union Bank posted a net profit of ₹306 crore, up 16% compared to ₹264 crore in the same quarter last year. The bank’s total income increased to ₹1,849 crore, up 17% from ₹1,580 crore in Q1 FY25. Interest earned by the bank stood at ₹1,605 crore compared to ₹1,388 crore in the same quarter last year.
Key Financial Results for City Union Bank Q1 FY26
| Particulars | Q1 FY26 | Q4 FY25 | Q1 FY25 | YoY Growth (%) | QoQ Growth (%) |
| Total Income (₹ Cr) | 1,849 | 1,784 | 1,580 | 17.0 | 3.6 |
| Net Profit (₹ Cr) | 306 | 288 | 264 | 16.0 | 6.3 |
| Interest Earned (₹ Cr) | 1,605 | 1,533 | 1,388 | 15.6 | 4.7 |
| Operating Profit (₹ Cr) | 451 | 441 | 373 | 20.9 | 2.3 |
| EPS Basic (₹) | 4.13 | 3.89 | 3.57 | 15.7 | 6.2 |
| EPS Diluted (₹) | 4.10 | 3.86 | 3.54 | 15.8 | 6.2 |
Important Updates from City Union Bank’s Latest Financial Results
Profitability Growth
The bank’s net profit increased 16% YoY to ₹306 crore in Q1 FY26, supported by higher interest income and operating profit.
Strong Income Growth
Total income for the quarter rose to ₹1,849 crore, up 17% from ₹1,580 crore in the same period last year. Interest earned grew 15.6% YoY to ₹1,605 crore.
Operating Performance
Operating profit stood at ₹451 crore, compared to ₹373 crore in Q1 FY25, registering a 20.9% growth.
Improved Asset Quality
The bank’s gross NPAs declined to 2.99% from 3.88% a year ago, while net NPAs fell to 1.2% from 1.87%.
Provisions Increased
Provisions and contingencies rose to ₹70 crore compared to ₹39 crore in the same quarter last year.
Capital Adequacy Ratio
The bank’s capital adequacy ratio slightly declined to 23.1% from 23.58% a year ago.
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