<ul data-eligibleForWebStory="true">City Union Bank's CEO N Kamakodi aims for the bank to outperform the industry growth by 2-3% in FY26.Kamakodi expressed confidence in sustaining a growth rate of 13% to 15% over the next five years.The bank follows a cautious growth strategy to ensure sustainability and profitability.City Union Bank has historically maintained profitability and efficiency over its 120-year history.The bank focuses on steady growth rather than rapid expansion to mitigate risks.The loan portfolio of City Union Bank is diversified, with significant exposure to MSME and agricultural sectors.The bank aims to reduce its cost-to-income ratio and stabilize it around 45% within five years.Strategic investments in capacity expansion, including retail banking, are expected to contribute to profitability from 2026-27.City Union Bank's shares were trading higher on the NSE amidst these growth projections.