CUB Q4 FY26 Guidance vs Delivery (CUB Management Mirror)

Did CUB's management deliver what it guided? Guidance vs actual performance and tone changes across recent earnings calls, as of the Q4 FY26 (Mar-2026 Qtr) concall.

City Union Bank Ltd (CUB) Q4FY26 Management Mirror - Mar-2026 Qtr

Advances & Credit Growth

Management upgraded its credit growth target from the mid-teens in the Sep'25 Qtr to the mid-to-high teens in the Dec'25 Qtr, reaffirming this elevated outlook in the Mar'26 Qtr with an expectation to outpace broader industry growth by 2% to 3%. The loan mix will remain strictly focused on MSME (55% to 60%), gold loans (30% to 35%), and secured retail, with third-party sourcing intentionally capped at 1% to 2% of the overall book. [Status: Upgraded]

5 more themes on the ELITE plan.