City Union Bank has published the transcript of its earnings conference call for Q3 & 9M FY26 on its official website, in compliance with Regulation 46 of SEBI Listing Regulations, 2015. The bank's Company Secretary, Venkataramanan S, communicated this development to stock exchanges on February 07, 2026.

Regulatory Compliance and Documentation

The earnings call transcript relates to the bank's standalone un-audited financial results for the quarter and nine months ended December 31, 2025, which were approved by the Board of Directors on February 02, 2026. The document has been hosted on the bank's website to ensure transparency and accessibility for stakeholders.

Management Participation

The earnings conference call was hosted by Ambit Capital Private Limited and featured key members of City Union Bank's senior management team. The call was moderated by Mr. Jignesh Shial from Ambit Capital.

Key Highlights from Management Commentary

During the call, Dr. N. Kamakodi mentioned that his 15-year tenure as MD and CEO will be completed on April 30, marking his 59th quarter with the bank. The management discussed the bank's financial performance and strategic outlook, with detailed commentary on various operational metrics.

The bank achieved significant milestones including crossing the INR10,000 crores net worth mark. Additionally, Board member Professor V. Kamakoti, Director of IIT Madras, was honored with the prestigious Padma Shri award for contributions to science and technology.

New Board Appointment

The bank welcomed Shri K. Subramanian, a Chartered Accountant with approximately 38-39 years of experience at Tata Consultancy Services, as a new Board member. This appointment is expected to bring valuable expertise to the bank's governance structure.

The complete transcript is available on the bank's official website at the weblink provided in the exchange communication, ensuring comprehensive access to detailed financial discussions and management insights for all stakeholders.

City Union Bank Limited has delivered robust financial performance in its third quarter, reporting significant growth in both net profit and revenue alongside improved asset quality metrics. The bank's net profit surged to ₹3.30 billion compared to ₹2.80 billion in the same period last year, while revenue increased to ₹17.60 billion from ₹14.70 billion year-on-year.

Q3 Financial Performance

The bank's quarterly results demonstrate strong operational efficiency and business growth across key metrics. The substantial increase in both profit and revenue indicates the bank's effective strategy execution and market positioning.

Provisions and Contingencies

The bank reported higher provisions (other than tax) and contingencies during the quarter. The provisions increased to ₹960 million in Q3 compared to ₹570 million in the previous quarter, representing a quarter-on-quarter increase.

Asset Quality Improvement

Despite higher provisions, the bank has shown significant improvement in asset quality parameters during the quarter. Both gross non-performing assets and net non-performing assets have declined on a quarter-on-quarter basis, reflecting enhanced credit management and recovery efforts.

Earnings Call Audio Recording Available

Following the declaration of Q3 and 9M FY2026 financial results on February 02, 2026, City Union Bank Limited has made the audio recording of its earnings call available on its website. The bank has informed stock exchanges about hosting the earnings call recording pursuant to Regulation 46 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015.

The strong quarterly performance with improved asset quality positions City Union Bank favorably, though the increased provisions indicate the bank's prudent approach to risk management and regulatory compliance. The availability of the earnings call recording provides stakeholders with detailed insights into the bank's financial performance and strategic outlook.