<ul data-eligibleForWebStory="false">Nirmal Bang maintains a 'Buy' rating on City Union Bank due to improved growth prospects in core MSME loan business and better asset quality.City Union Bank is expected to grow its loan book 2-3% higher than system credit growth.The bank's net interest margins may face pressure in the near term, but deposit repricing in the next few months could lead to ~3.5% NIMs for FY26.