City Union Bank Share Price Jumps After Q2 FY27 Results: Profit Rises 27% And Net Interest Income Climbs 31%

City Union Bank Limited reported higher earnings for the quarter ended 30 September 2026. The bank’s quarterly performance was supported by interest income and its lending operations.

The bank’s investor presentation, filed with the stock exchanges, also showed improvements in key profitability ratios and continued growth in deposits and advances.

After the announcement of Q2 FY27 results, the City Union Bank share price was at ₹224.95, up 4.63% at 1:51 pm on 29 October 2026 on the National Stock Exchange (NSE). The previous close was ₹215, while the stock opened at ₹219.10. City Union Bank shares touched an intraday high of ₹229.48 and a low of ₹219.10.

City Union Bank Q2 FY27 Results Show Profit Growth

Net profit increased 27% year-on-year (YoY) to ₹415.9 crore, compared with ₹328.6 crore in the corresponding quarter last year. Net interest income (NII) rose 31% to ₹872.8 crore from ₹666.5 crore, while operating profit advanced 40% to ₹660.9 crore. Total interest income rose 27% to ₹2,092.3 crore, while other income increased 35% to ₹350.1 crore.

For the first half of FY27, net profit grew 26% to ₹798.5 crore and NII increased 31% to ₹1,692.9 crore.

Deposits And Advances Expand; Asset Quality Improves

Deposits grew 21% year-on-year to ₹83,893.1 crore, while advances increased 26% to ₹72,441.5 crore. Total business rose 23% to ₹1,56,334.6 crore. The current account and savings account (CASA) balance increased 14% to ₹22,350.2 crore.

The bank reported a gross non-performing assets (GNPA) ratio of 1.44% and a net non-performing assets (NNPA) ratio of 0.48%. Its net interest margin (NIM) improved to 3.87% from 3.63% a year earlier. Return on assets (ROA) stood at 1.62%, while return on equity (ROE) was 15.01%.

City Union Bank Q2 Results: Other Metrics

The bank’s capital adequacy ratio (CRAR) stood at 21.26% as of 30 September 2026, including a core capital adequacy ratio of 20.43%. Its provision coverage ratio was 82%, including technical write-offs (TW), and 67% excluding them.

The lending portfolio remained focused on micro, small and medium enterprises (MSMEs), which accounted for around 39% of the loan book, according to the presentation. This focus forms part of the bank’s granular lending strategy.

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