City Union Bank Limited · NSE:CUB
City Union Bank — Q1 FY2027 Earnings Presentation
45 slides from City Union Bank's earnings presentation, Jul 28, 2026
Slide 1: Filing cover letter to stock exchanges
trITY UNItrN BnNT LIMITED CIN : 16511OTN1904P1C001287 Regd. Office : 149, T.S.R. (Big) Street, Kumbakonam- 612 001. Thanjavur District. trUB ltUSTAilO ITCELLEIICE EllCe leoil Tamil Nadu. Telephone No:0435 -2492322 E-mail : shares@cityunionbank.com Website : www.cityunionbank.bank.in C.O / Shares / L
Slide 2: Investor Presentation – June 2026
cue Ciry UNION BANK Investor Presentation — JUNE 2026
Slide 3: Disclaimer
Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness, or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certai
Slide 4: Table of contents
Table of contents 1 Overview 6 Technology Adoption 2 Q1 FY 2027 snapshots 7 Bank's network 3 Performance overview 8 Shareholding Pattern 4 Liability & Assets portfolio 9 Corporate Governance 5 Asset Quality metrics 10 Contact details 3
Slide 5: Overview
CA City UNION BANK Overview
Slide 6: Key Strengths
Key Strengths SME / MSME Focus PAN-India Presence • Nurturing the SMEs & MSMEs through the need based funding requirements. • Initially focus on empowering the farmers and traders of the cauvery delta Granular lending strategy – fully collateralized region. • ~37% of the loan book constitutes this s
Slide 7: Credit rating
Credit rating CRISIL ICRA CARE Edge AA Issuer Rating A1+ AA – Certificate of Deposits (CD) A1+ Issuer Rating Certificate of Deposits (CD) 6
Slide 8: Performance Snapshot
Q1 FY 27 PERFORMANCE SNAPSHOT 7
Slide 9: Q1 FY27 Performance overview
Q1 FY 27 Performance overview Deposits increased by 21% from Rs. 657 Bn to Rs. 793 Bn Y-o-Y ROA stood at 1.57% - our long term average Advances registered a growth of 25% from Rs.540 Bn to Rs. 676 ROE stood at 14.37% Bn Y-o-Y The total business grew by 23% from Rs.1,197 Bn to Rs. 1,469 Bn NIM had im
Slide 10: Q1 FY27 Snapshot
Q1 FY 27 Snapshot (in INR Mn) Deposits Advances Total Business CASA 793,423 676,454 1,469,877 210,940 BUSINESS 21% 25% 23% 18% 657,345 540,203 1,197,548 179,505 NII Gross Profit Provisions Net Profit 8,201 5,806 1,980 3,826 PROFITABILITY 31% 29% 37% 25% 6,253 4,509 1,450 3,059 RATIOS 1.57% 14.37% 3.
Slide 11: Income statement
Income statement (in INR Mn) Particulars Q1 FY 2027 Q1 FY 2026 Growth FY 2026 FY 2025 Growth Interest Income 19,850 16,053 24% 68,698 58,340 18% Interest Expenses 11,649 9,800 19% 40,399 35,183 15% Net Interest Income 8,201 6,253 31% 28,299 23,157 22% Other Income 2,436 2,439 - 10,388 8,981 16% Oper
Slide 12: Provisions & Contingencies Breakup
Provisions & Contingencies Breakup (in INR Mn) PARTICULARS Q1 FY 2027 Q1 FY 2026 FY 2026 FY 2025 Provision for: - Tax 1,200 750 3,450 2,930 - Bad Debts 600 700 2,540 2,550 - Standard Assets 180 - 590 - - Others - - 300 70 Total 1,980 1,450 6,880 5,550 11
Slide 13: Balance Sheet
Balance Sheet (in INR Mn) Particulars Q1 FY 2027 Q1 FY 2026 FY 2026 FY 2025 Share Capital 991 741 743 741 Reserves and Surplus 109,179 96,942 104,906 93,925 Deposits 793,423 657,345 783,080 635,260 Borrowings 51,703 17,460 53,268 21,694 Other Liabilities & Provisions 28,590 25,507 28,247 24,612 Tota
Slide 14: Capital Adequacy
Capital Adequacy Position as on 30th June 2026 (in INR Mn) June’2026 June 2025 Mar’2026 Credit Risk 446,837 353,204 430,143 Market Risk 1,780 1,849 1,402 Operational Risk 59,351 54,311 54,311 Total Risk Weight 507,968 409,364 485,856 Tier-I Capital 106,515 90,412 101,161 Tier-II Capital 3,869 4,156
Slide 15: Performance Overview
CA City UNION BANK PERFORMANCE OVERVIEW
Slide 16: Deposits and advances growth – over the years
Deposits and advances growth – over the years (in INR Mn) DEPOSITS ADVANCES 783,080 793,423 666,988 676,454 635,260 556,566 530,664 523,979 476,897 464,815 411,560 439,708 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 BUSINESS CASA 1,450,068 1,469,877 216,441 21
Slide 17: Income growth - over the years
Income growth - over the years (in INR Mn) NET INTEREST INCOME OTHER INCOME 28,298 10,388 23,157 8,981 21,628 21,235 8,104 7,591 7,417 19,165 8,201 2,436 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 CEB NET PROFIT 5,847 13,262 11,236 4,658 10,157 9,375 3,598 3,
Slide 18: Key business ratios – yearly trends
Key business ratios – yearly trends (in %) NET INTEREST MARGIN RETURN ON ASSETS 4.10% 1.75% 3.98 4.00% 3.89 1.65% 3.90% 1.55 1.56 1.57 3.78 1.52 3.80% 3.74 1.55% 1.46 3.70% 3.65 3.60 1.45% 3.60% 1.35 1.35% 3.50% 3.40% 1.25% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26
Slide 19: Yield on advances & cost of deposits
Yield on advances & cost of deposits (in %) Yield on Advances vs Cost of Deposits 14 12.83 12.10 12 11.46 10.95 10.76 9.91 9.72 9.79 9.75 9.79 10 9.36 9.23 8 7.62 6 6.82 6.29 6.17 6.20 5.59 5.85 5.70 5.36 5.56 4 4.68 4.66 2 0 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-
Slide 20: Liabilities & Assets Portfolio
LIABILITIES & ASSETS PORTFOLIO 19
Slide 21: Liabilities portfolio
Liabilities portfolio Current Deposit 8% Savings Deposit 18% Deposit Term Deposit < 3 Cr 49% Mix Term Deposit 3 Cr to 50 Cr 16% Term Deposit > 50 Cr 9% 20
Slide 22: Advances Portfolio
Advances Portfolio (in INR Mn) Particulars Q1 FY 2027 Q4 FY 2026 Q1 FY 2026 Agriculture (including JL) 111,852 108,434 86,673 MSME 249,731 250,042 216,653 Retail (excluding Non Agri JL) 64,725 65,184 51,265 Non Agri Gold Loans 114,707 107,413 73,338 Commercial Real Estate 50,080 49,408 35,813 NBFC 1
Slide 23: Gold loan book – 30th Jun 2026
Gold loan book – 30th Jun 2026 (in INR Mn) Gold loan break-up % above AJL NAJL Price drop Average LTV Market Price At Market price 62.07% - 115,181 107,413 91,994 At 5% drop 65.34% - 81,541 74,329 At 10% drop 68.97% - At 15% drop 73.02% - 91,972 87,177 81,754 80,101 76,198 At 20% drop 77.59% 1.93% J
Slide 24: Investments – at a glance
Investments – at a glance Investments Breakup and Category wise (in INR Mn) Category Jun’26 Jun’25 A FS 51,344 36,191 H TM 135,099 131,032 FVTPL (including H F T) 9,642 7,735 Total 196,086 174,958 Investments 95% of Investments in SLR securities with an yield of 6.64% M-Duration Jun’26 Jun’25 A FS 3
Slide 25: Asset Quality Metrics
CA City UNION BANK ASSET QUALITY METRICS
Slide 26: Asset quality
Asset quality (in INR Mn) GROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA % 19,332 19,202 18,544 11,911 5.00% 5.00% 4.70% 16,382 4.37% 10,176 3.99% 4.00% 4.00% 8,987 12,731 3.09% 11,697 2.95% 3.00% 3.00% 6,531 2.36% 1.91% 1.97% 2.00% 1.73% 2.00% 4,494 4,052 1.25% 1.00% 1.00% 0.68% 0.61% 0.00% 0.00
Slide 27: Asset quality position – movement over the years
Asset quality position – movement over the years (In INR MN) MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Mar-26 Jun-26 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 16,382 12,731 Additions A 11,131 12,757 13,290 10,135 8,149 7,449 1,950 Recovery made 1,950 4,424 5,764 5,056 5,815 4,416 1,107 Upgrada
Slide 28: Restructured Accounts
Restructured Accounts (In INR Mn) Quarter wise balance outstanding in respect of Restructured Standard borrowers Sep-21 Mar-24 Mar-25 Mar-26 Jun-26 Type of Restructuring No. of No. of No. of No. of No. of Amt Amt Amt Amt Amt Borrowers Borrowers Borrowers Borrowers Borrowers MSME 333 15,398 138 4,229
Slide 29: Technology Adoption
fa City UNION BANK TECHNOLOGY yf ADOPTION op
Slide 30: New Digital Offerings
New Digital Offerings Products Offerings 01 02 03 04 05 Interactive New Net/Mobile Forex/Trade Credit Line National Common New Initiatives Smart Banking Customer Portal On UPI Mobility Card Future Ready Solutions Statement (NCMC) WhatsApp Co- Branded Pay to Secure UPI ATM Products Banking Credit Car
Slide 31: CUB – CSK & SRH Credit Cards
CUB – CSK & SRH Credit Cards City Union Bank is proud to be the Official Credit Card Partner of Chennai Super Kings (CSK) and Official Banking Partner of Sunrisers Hyderabad (SRH) Features : Lounge access, CSK/SRH merchandise & Official match day insurance & fan goodies. Offers & discounts. fuel sur
Slide 32: Launched New ALL IN ONE Mobile Banking App
Launched New ALL IN ONE Mobile Banking APP CUB'S NEW ALL IN ONE MOBILE BANKING APP BANKING AT YOUR FINGERTIPS 50+ Services UPI Payments Online Beneficiary Split Payments Management 31
Slide 33: Salaryse - Level Up Credit Card
Salaryse - Level Up Credit Card The SalarySe Level Up Credit Card from City Union Bank, designed to make Salary Days, UPI payments and lifestyle spends even more rewarding. Features : Up to 37.5% rewards Up to 10% rewards 12 complimentary International on the 1st and last on eligible UPI airport lou
Slide 34: Strategic Partnerships
Strategic Partnerships Digitization / Automation Aggregators Bureau Digital Marketing Credit Card Financial inclusion API BANKING Conversational Bot CRM Correspondent Digital Digital Customer Digital Banking Lending Insurance Payments Channel Onboarding Security Connected Banking Correspondent Custo
Slide 35: Awards Received During Q1
Awards Received During Q1 AI summit and award 2026 Pension Fund Regulatory and Development Authority Best AI Adoption – BFSI Attal Pension Yojana (APY) Excellence India Banking Summit & Awards 2026 Innovative Bank of the Year 34
Slide 36: Bank's Network
CA City UNION BANK BANK’S NETWORK
Slide 37: Branch Network
Branch Network Branches by Centre Type 1 8 1 206 252 15 3 24 29 20 1 1000 4 Branches 36 6 13 3 300 242 4 37 51 1 66 62 Metro 252 Urban 242 588 21 6 Semi-urban 300 Rural 206 36
Slide 38: Shareholding Pattern
PA CitTY UNION BANK SHAREHOLDING PATTERN
Slide 39: A well Diversified Investor Base
A well Diversified Investor Base position as on 30th June 2026 Major Institutional Shareholders Public 32.17% SHAREHOLDERS* HOLDING % HDFC AMC * 9.32 SBI AMC * 8.26 AXIS MUTUAL FUND 4.93 34.50% 18.65% HSBC MUTUAL FUND 3.65 MF, IFI, Banks FPI EDELWEISS FUND 3.04 KOTAK FUNDS 2.08 VANGUARD GROUP 2.06 9
Slide 40: Corporate Governance
CA City UNION BANK CORPORATE GOVERNANCE
Slide 41: A well experienced and strong board
A well experienced and strong board Shri. G. Mahalingam M.Sc., MBA., CAIIB Non-Executive Chairman Shri. Gurumoorthy Mahalingam is a career Regulator in the Financial Sector having worked for 34 years in RBI holding the position of Executive Director at the time of retirement and 5 years in Securitie
Slide 42: A well experienced and strong board
A well experienced and strong board Shri. K. Vaidyanathan B.Sc., FCMA, FCS Director Shri K. Vaidyanathan is a Fellow member of the Institute of Cost Accountants of India and also the Institute of Company Secretaries of India. He has over 40 years of rich domain experience in Financial and Management
Slide 43: A well experienced and strong board
A well experienced and strong board Shri. V. Ramesh M.Sc. (Physics), A.C.S, JAIIB Executive Director Shri. V. Ramesh is an associate member of the Institute of Company Secretaries of India. He has 40 years of dedicated service in CUB and has held three key posts in the Bank during his tenure viz. Co
Slide 44: Transparent 'Corporate Governance' Practices
TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES 1 2 3 4 5 Board consists of 7 Various sub-committees Independent Directors Code of conduct for of Board functions to Disclosure norms strictly KYC / AML Norms strictly (including 1 Women Directors and Senior oversee the operations of adhered to complied w
Slide 45: Contact
CONTACT REGISTERED OFFICE 149, TSR Big Street, Kumbakonam – 612001, Tamil Nadu. ADMINISTRATIVE OFFICE “Narayana” No. 24-B, Gandhi Nagar, Kumbakonam – 612001, Tamil Nadu. PHONE · FAX 0435-2402322, 2401622 · Fax: 0435-2431746 WEBSITE www.cityunionbank.bank.in INVESTOR CONTACT Raguraman Gopu · Mob: +91