City Union Bank Limited · NSE:CUB

City Union Bank — Investor Presentation (December 2016)

37 slides from City Union Bank's investor presentation, December 2016

  1. Slide 1: Investor Presentation December 2016

    INVESTOR PRESENTATION DECEMBER 2016 1

  2. Slide 2: 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. Certain

  3. Slide 3: Table of contents

    Table of contents 1. Overview Page : 04 2. Performance Highlights – December 2016 Page : 08 3. Financial Performance & Business Profile Page : 12 4. Branch Network Page : 33 5. Shareholding Pattern Page : 34 6. Corporate Governance Page : 35 3

  4. Slide 4: Overview Facts & Figures

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Overview City Union Bank Ltd, the oldest private sector bank in India, was founded on October 31, 1904 and is headquartered at Kumbakonam, Tamil Nadu

  5. Slide 5: Key milestones

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key milestones Celebrated 110th year Foundation Day in Dec 2014 Incorporation Took over Initial Public Obtained licenses Rights issue @ Raised INR of the Bank

  6. Slide 6: A specialized banking model aligned to Target Segment – SME/MSME

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern City Union Bank – A specialized banking model aligned to Target Segment – SME/MSME • SME/MSME specialized business model focusing on large untapped SM E/ M SM

  7. Slide 7: Competitive Advantages

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Competitive Advantages • Continuos profitability and dividend payout in all 100+ years of operations Strong track record • Business growth of 20% CAGR in last

  8. Slide 8: Q3 / 9M FY 2016-17 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 / 9 M FY 2016-17 Performance – A snapshot  Deposits increased by 16% from Rs.260 Bn to Rs.300 Bn Y-o-Y  Advances registered a growth of 13% from Rs.194 B

  9. Slide 9: Q3 Vs Q3 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 Vs Q3 Performance – A snapshot (All figures in I N R M n) 299,857 218,007 517,864 71,745 16% 13% 14% 47% 259,592 193,744 453,336 48,724 Deposits Advances T

  10. Slide 10: 9M Vs 9M Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern 9 M Vs 9 M Performance – A snapshot (All figures in I N R M n) 299,857 218,007 517,864 71,745 16% 13% 14% 47% 259,592 193,744 453,336 48,724 Deposits Advances

  11. Slide 11: FY 2015-16 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 2015-16 Performance – A snapshot (All figures in I N R M n) 271,581 212,531 484,112 55,326 13% 17% 15% 19% 240,750 180,885 421,635 46,307 Deposits Advances

  12. Slide 12: Q3 FY17 Vs Q3 FY16 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 FY 17 Vs Q3 FY 16 – Performance – A snapshot (in I N R M n) Financial Perform ance Inc / Particulars Q3 FY 2017 Q3 FY 2016 Growth Growth % (Dec) Deposits 2

  13. Slide 13: Q3 FY17 Vs Q3 FY16 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 FY 17 Vs Q3 FY 16 – Performance – A snapshot (in I N R M n) Financial Perform ance INC / Particulars Q3 FY 2017 Q3 FY 2016 Growth % Q2 FY 2017 (DEC) Net In

  14. Slide 14: 9M FY17 Vs 9M FY16 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern 9M FY 17 Vs 9M FY 16 – Performance – A snapshot (in I N R M n) Financial Perform ance INC / Particulars 9M FY 2017 9M FY 2016 Growth % (DEC) Net Interest Inco

  15. Slide 15: FY16 Vs FY15 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 16 Vs FY 15 – Performance – A snapshot (in I N R M n) Financial Perform ance Inc / Particulars FY 2016 FY 2015 Growth Growth % (Dec) Deposits 271,581 240,7

  16. Slide 16: FY16 Vs FY15 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 16 Vs FY 15 – Performance – A snapshot (in I N R M n) Financial Perform ance Particulars FY 2015-16 FY 2014-15 INC/ DEC Growth % Net Interest Income 9,810

  17. Slide 17: Q3 – FY17 Vs 16 – Income and Expenses – Breakup

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 – FY 17 Vs 16 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup Q3 FY Q3 FY Growth Q3 FY Q3 FY Growth Partic

  18. Slide 18: 9M – FY17 Vs 16 – Income and Expenses – Breakup

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern 9M – FY 17 Vs 16 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup 9M FY 9M FY Growth 9M FY 9M FY Growth Partic

  19. Slide 19: FY16 Vs 15 – Income and Expenses – Breakup

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 16 Vs 15 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup FY FY Growth FY FY Growth Particulars Particulars

  20. Slide 20: Strong Deposits and Advances growth

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Strong Deposits and Advances growth (in I N R M n) Deposits Advances CAGR 14 % CAGR 15 % Business CASA CAGR 14 % CAGR 17 % 20

  21. Slide 21: Income Growth over the years…

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Income Growth over the years… (in I N R M n) Net I nterest I ncom e Grow th Other I ncom e Grow th CAGR 18 % CAGR 19 % (9M) (9M) CEB Grow th Net P rofit Grow

  22. Slide 22: Key Business Indicators

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key Business Indicators Q3 FY Q3 FY Q2 FY 9M FY 9M FY FY Particulars 2017 2016 2017 2017 2016 2015-16 Cost of Deposits 6.67% 7.48% 6.86% 6.89% 7.67% 7.62% Yie

  23. Slide 23: Key Business Ratios – Yearly trends

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key Business Ratios – Yearly trends Net I nterest M argin R eturn on Assets Cost of Funds Yield on Funds 23

  24. Slide 24: Cost of deposits & Yield on advances

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Cost of deposits & Yield on advances Spread between cost of deposits and yield on advances of our bank maintained in the last 10 years 24

  25. Slide 25: Efficiency

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Efficiency Cost income ratio C AS A R a t io Business per Em ployee P rofit per Em ployee Business per Branch (in I N R M n) Profit per B ra n c h (in I N R M

  26. Slide 26: Loan Book – Products Composition

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Products Composition • Working capital loans yielding higher interest constitute 63% of advances • Re-pricing possible at short intervals thus red

  27. Slide 27: Loan Book – Sectoral Deployment – Position as on 31.12.2016

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Sectoral Deployment – Position as on 31.12.2016 (in I N R M n) Sectorial Deploym ent Secured & Unsecured Advances 32,765 (15%) Amount % to Total P

  28. Slide 28: Loan Book – Advances to Major Industries

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Advances to Major Industries (in I N R M n) Advances to Major Industries 31 st December 2016 11,029 (5%) 11,179 (5%) 8,440 (4%) 2,954 (1%) Amount

  29. Slide 29: Asset Quality

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Asset Quality (in I N R M n) G r oss NP A Q t m & Gr oss NP A % Net NP A Q t m & Net NP A % 29

  30. Slide 30: Asset Quality Position – Movement over the years

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Asset Quality Position – Movement over the years FY FY FY FY Q3 FY 9M FY (Rs in Mn) Mar - 13 Mar - 14 Mar - 15 Mar - 16 2017 2017 NPA Opening balance 1,235 1,

  31. Slide 31: Restructured Accounts

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Restructured Accounts Balance outstanding as on 30.09.2016 in respect of Restructured Standard borrowers Amount Type Restructuring No. of Borrowers (in INR Mn

  32. Slide 32: Investments – At a Glance

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Investments – At a Glance Investments Breakup and Categoryw ise (in I N R M n) Particulars DEC 2016 DEC 2015 SLR Securities 81,221 66,664 Non-SLR Securities 4

  33. Slide 33: Strong presence in the South

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Strong presence in the South As of Dec-2016 - 528 branches. 472 branches are located in South India out of which 362 in Tamil Nadu No. of % of % of % of State

  34. Slide 34: A well diversified investor base

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern A well diversified investor base as of 31 st December 2016 Ownership profile Major Institutional Shareholders Shareholders % of Holding NT Asian Discovery Mas

  35. Slide 35: Transparent ‘Corporate Governance’ practices

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Transparent ‘Corporate Governance’ practices Board consists of 7 Independent Directors and 3 Non-Independent Directors Various sub-committees of Board functio

  36. Slide 36: A well experienced and strong Board

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern A well experienced and strong Board Shri. S. Mahalignam | B.Com (Honours), FCA Dr N. Kamakodi | B.Tech., MBA., PhD., CAIIB Non Executive Chairman M.D. & C.E.O

  37. Slide 37: City Union Bank Ltd. Investor Contact

    CITY UNION BANK LTD. INVESTOR CONTACT Regd. Office : 149, TSR Big Street, Kumbakonam – 612001, Tamilandu. Name : K. Jayaraman, DGM Admin Office : "Narayana" No.24 B, Gandhi Nagar, Kumbakonam - 612001,Tamil Nadu. Mob : +91 9344303740 Tel : 0435-2402322, 2401622, | FAX: 0435-2431746 | www.cityunionban

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