CUB / Q3-FY26 / claim-ledger

Audit the questions that mattered.

City Union Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ3-FY26 · 2026-01-23Back to quarter ↗

Questions audited

Answered directly

86%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Samir Bhish · Diamond Asia

direct

Provisioning breakup for this quarter, including floating or standard asset provisions.

we had 74 crusion for NPI visa 40 cr for the last quarter and the provision for tax is almost stable at 85 both year and the standard assess provution increased from 7 cr to 22 cr.

Samir Bhish · Diamond Asia

evasive

Slippage ratios outlook given strong growth and rising retail share.

for many quarters now the total recoveries of live NPA and the technically return of NPI together are more than the slipage numbers...

Anhama · MK Global

direct

What is driving up margins and interest on advances this quarter?

We had a repricing on deposits as mentioned in my commentary almost 14,200 crores got repriced. From the advances side we have moved to fixed rate in gold loans.

Anhama · MK Global

partial

Expectation for margins in FY27.

Our endeavor is to have it like say that 3.5 to 4 is what we had done in the previous cycle for few quarter that stability is what we are targeting.

Anhama · MK Global

direct

What is driving up other opex this quarter?

No, I think it's almost same. It looks flat. We had at 455 crores in Q2 and we are at 484. So majorly it's going to be technology expenses and salaries.

Anhama · MK Global

direct

RBI supervision final report observations.

No. I think if you remember we had that heat about 3 years back after that this year cycle is over and nothing to so far so good and nothing to declare to market.

Padka · 361 Capital

direct

Gold loan decline, deposit repricing proportion, and high-yield portfolio segments.

Gold loans... it's again based on the season harvesting... another 10,782 crores to go... renewable energy portfolio is slow and steady progress.

B · Dam Capital Advisor

direct

Growth outlook and comfortable CD ratio.

We are expecting it to mid to high te... we wanted to be between 85 to 86 that's the number which we are looking at.

B · Dam Capital Advisor

direct

Write-off increase and thought process.

wherever we have made maximum provisions we are using this opportunity to reduce it so that management of gross and net NPI will be better and it helps in taxation purpose also.

B · Dam Capital Advisor

direct

Tax rate sustainability at 20%.

It will go as far as we are... depending upon how much write offs we are doing and how much incremental provision we are making... probably continue for at least another 2 three or four quarters maybe even to the completion of the next year.

Rohan Nem · Equir Securities

direct

Transmission of December repo rate cut and impact on yields.

this has completely got transferred to the customers and there is nothing much left in EBLR. So effectively 25 basis point has got transmitted.

Subramanyan K · Capital

direct

Segments facing competition and yield changes after rate cut.

retail our major focus is on LAP and home loans... LAP I think we are down by 20 25 what we used to do before... lap is around 9.5 9.4 9.5... home loans we are always at around 8.8 to 9%.