City Union Bank Limited · NSE:CUB

City Union Bank — Investor Presentation (December 2017)

38 slides from City Union Bank's investor presentation, December 2017

  1. Slide 1: Investor Presentation December 2017

    INVESTOR PRESENTATION DECEMBER 2017 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 2017 Page : 09 3. Financial Performance & Business Profile Page : 13 4. Branch Network Page : 34 5. Shareholding Pattern Page : 35 6. Corporate Governance Page : 36 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: Awards & Accolades

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Overview Branch Network Corporate Governance Highlights & Business Profile Pattern AWARDS & ACCOLADES Best Small sized Bank for 2015-16 by Business World – PWC Best Banks’ Survey 2016 (Second year in a row) Won Financial Express Bes

  6. Slide 6: 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

  7. Slide 7: 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

  8. Slide 8: 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 110+ years of operations Strong track record • Business growth of 20% CAGR in last

  9. Slide 9: Q3 & 9M FY 2018 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 & 9M FY 2018 Performance – A snapshot  Deposits increased by 5% from Rs.300 Bn to Rs.313 Bn Y-o-Y  Advances registered a growth of 20% from Rs.218 Bn to

  10. Slide 10: Q3 FY 2018 Vs Q3 FY 2017 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 FY 2018 Vs Q3 FY 2017 Performance – A snapshot (All figures in I N R M n) 313,387 260,891 574,278 69,891 5% 20% 11% 299,857 218,007 517,864 71,745 Deposits

  11. Slide 11: 9M FY 2018 Vs 9M FY 2017 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern 9M FY 2018 Vs 9M FY 2017 Performance – A snapshot (All figures in I N R M n) 313,387 260,891 574,278 69,891 5% 20% 11% 299,857 218,007 517,864 71,745 Deposits

  12. Slide 12: FY 2017 Vs 16 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 2017 Vs 16 Performance – A snapshot (All figures in I N R M n) 301,157 241,125 542,282 70,390 11% 13% 12% 27% 271,581 212,531 484,112 55,326 Deposits Advan

  13. Slide 13: Q3 FY 18 Vs Q3 FY 17 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 FY 18 Vs Q3 FY 17 – Performance – A snapshot (in I N R M n ) Financial Perform ance Inc / Particulars Q3 FY 2018 Q3 FY 2017 Growth Growth % Q2 FY 2018 (Dec

  14. Slide 14: Q3 FY 18 Vs Q3 FY 17 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q3 FY 18 Vs Q3 FY 17 – Performance – A snapshot (in I N R M n ) Financial Perform ance INC / Particulars Q3 FY 2018 Q3 FY 2017 Growth % Q2 FY 2018 (DEC) Net I

  15. Slide 15: 9M FY 18 Vs 9M FY 17 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern 9M FY 18 Vs 9M FY 17 – Performance – A snapshot (in I N R M n ) Financial Perform ance INC / Particulars 9M FY 2018 9M FY 2017 Growth % (DEC) Net Interest Inc

  16. Slide 16: FY 17 Vs FY 16 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 17 Vs FY 16 – Performance – A snapshot (in I N R M n ) Financial Perform ance Inc / Particulars FY 2017 FY 2016 Growth Growth % (Dec) Deposits 301,157 271,

  17. Slide 17: FY 17 Vs FY 16 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 17 Vs FY 16 – Performance – A snapshot (in I N R M n ) Financial Perform ance INC / Particulars FY 2017 FY 2016 Growth % (DEC) Net Interest Income 11,987 9

  18. Slide 18: Q3 FY 18 Vs Q3 FY 17 – 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 18 Vs Q3 FY 17 – 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 P

  19. Slide 19: 9M FY 18 Vs 9M FY 17 – 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 18 Vs 9M FY 17 – 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 P

  20. Slide 20: FY 17 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 FY 17 Vs 16 – Income and Expenses – Breakup (in I N R M n ) Interest Income Breakup Interest Expenses Breakup FY FY Growth FY FY Growth Particulars Particular

  21. Slide 21: 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 10 % CAGR 12 % 3,13,387 2,60,891 3,01,157 2,41,125 2,71,581 2,12,531 2,40,750 1,80,

  22. Slide 22: 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 17 % 11,988 10,624 (9M) 4,840 9,810 4,041 4

  23. Slide 23: 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 2018 2017 2018 2018 2017 2016-17 Cost of Deposits 6.24% 6.67% 6.26% 6.32% 6.89% 6.82% Yie

  24. Slide 24: 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 5.00% 1.65% 1.61% 4.45% 1.60% 4.50% 1.55% 1.49% 1.50% 1.50% 4.00% 4.17% 1.50% 3.81

  25. Slide 25: 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 16.00% 14.00% 13.46% 13.56% 13.49% 13.43% 13.04% 13.18% 12.82% 12.83% 12.47% 12.10% 12.00% 11.55% 10.00% 8.44% 8.37% 7.98

  26. Slide 26: 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 44.10 23.37 22.30 42.83 20.37 19.23 17.79 40.94 40.10 38.05 31-Mar-2014 31-Mar-2015 31-Mar-2016 31-Mar-2017 31-De

  27. Slide 27: 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 % to Total Advances 1% 34% Cash Credit & Demand • Working capital loans yielding higher interest Loans constitute 65% of adva

  28. Slide 28: Loan Book – Sectoral Deployment – Position as on 31.12.2017

    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 31.12.2017 (in I N R M n ) Sectorial Deploym ent Secured & Unsecured Advances Agriculture 35,479 (14%) Amount

  29. Slide 29: 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 2017 TEXTILE a) Cotton 12,250 (5%) b) Other Textiles 14,5

  30. Slide 30: 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 % 8,598 6,820 4,478 4,083 5,120 3,232 3,358 2,328 2,931 1973 3.30%

  31. Slide 31: 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 - 14 Mar - 15 Mar - 16 Mar – 17 2018 2018 NPA Opening balance 1,731 2,

  32. Slide 32: 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 31.12.2017 in respect of Restructured Standard borrowers  No account has been restructured during Q3 FY 2018

  33. Slide 33: 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 2017 DEC 2016 SLR Securities 72,443 79,971 Non-SLR Securities 3

  34. Slide 34: 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-2017 - 561 branches. 504 branches are located in South India out of which 388 in Tamil Nadu No. of % of % of % of State

  35. Slide 35: 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 Dec 2017 Ownership profile Major Institutional Shareholders Shareholders % of Holding NT Asian Discovery Master F

  36. Slide 36: 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 8 Independent Directors and 2 Non-Independent Directors Various sub-committees of Board functio

  37. Slide 37: 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. Mahalingam | B.Com (Honours), FCA Dr N. Kamakodi | B.Tech., MBA., PhD., CAIIB Non Executive Chairman M.D. & C.E.O

  38. Slide 38: 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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