City Union Bank Limited · NSE:CUB
City Union Bank — Q1 FY2026 Earnings Presentation
50 slides from City Union Bank's earnings presentation, Jul 31, 2025
Slide 1: Exchange filing cover letter
trIrY UNItrN BENrc LIVITED CIN : 16511OTN1 9O4PLcOo1 287 Regd. Office : 149, T.S.R. (Big) Street, Kumbakonam - 612 001. Thanjavur District. Tamil Nadu. trUB tiu9l^xD Exc€ll.Elct JlcE rtoa Telephone No:0435 -2402322 Fax:0435 -2431746 E-mail : shares@cityunionbank.com Website : www.cityunionbank.com C
Slide 2: Investor Presentation June 2025
INVESTOR PRESENTATION June 2025
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 Overview ........................................................................................................................ 04 Performance Highlights – March 2025 ......................................................................... 10 Financial Performance & Business Pro
Slide 5: Overview
OVERVIEW 04
Slide 6: Facts & Figures
Overview City Union Bank Ltd., the oldest Private Sector Bank in India, was founded on October 31, 1904, and is headquartered in Kumbakonam, Tamil Nadu, India. The main focus of the Bank – lending to MSME, Retail / Wholesale Trade with a granular asset profile including providing Short-term and long
Slide 7: Key Milestones
KEY MILESTONES 1998 Initial Public 1957 Offering (IPO); Took over Listing bank’s 1904 Common shares on the Incorporation Wealth BSE, NSE & MSE 06 of Bank Limited the Bank 02 04 03 1965 05 2002 01 1945 Scheduled bank Amalgamation Entered into since agreement with of ‘The City Forward Bank 22.03.1945
Slide 8: City Union Bank: specialized banking model aligned to SME/MSME
CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME Prudent Risk Invested in Robust Purely retail Liability SME / MSME focus Management Infrastructure Franchise SME/MSME specialized SME exposures’ result in Comprehensive employee No Certificate of Deposit busin
Slide 9: Competitive Advantages
COMPETITIVE ADVANTAGES NETWORK STRONG TRACK RECORD • Continuous profitability and dividend • Pan India presence with 876 branches payout in all 121 years of operations • Strong presence in South India (733 • Business growth of about 15% CAGR in branches) of which 551 are in last 10 years Tamil Nadu
Slide 10: Credit Rating
CREDIT RATING ICRA has assigned • “AA-” for Long Term - issuers with this rating are considered to have “High Degree of Safety” regarding timely servicing of financial obligations. • “A1+” for Certificate of Deposits (CD) - issuers with this rating are considered to have “Very Strong Degree of Safet
Slide 11: Performance Highlights – June 2025
PERFORMANCE HIGHLIGHTS – JUNE 2025 10
Slide 12: Q1 FY Performance – A Snapshot
Q1 FY 26 PERFORMANCE – A SNAPSHOT • Deposits increased by 20% from Rs. 549 Bn to Rs. 657 Bn Y-o-Y • Advances registered a growth of 16% from Rs.465 Bn to Rs.540 Bn Y-o-Y • The total business grew by 18% from Rs.1,014 Bn to Rs. 1,197 Bn Y-o-Y • Profitability and efficiency ratios : PARTICULARS Q1 FY
Slide 13: Q1 FY26 vs Q1 FY25 Performance – A Snapshot
Q1 FY 26 VS Q1 FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 657,345 540,203 1,197,548 179,505 20% 16% 18% 11% 548,569 465,479 1,014,048 161,950 Deposits Advances Total Business CASA 4,509 3,059 6,253 48.12 21% 16% 15% % % 3,735 2,645 5,452 49.34 % Gross Net Profit Net Interest Cost to Income Profit In
Slide 14: FY25 vs FY24 Performance – A Snapshot
FY 25 VS FY 24 PERFORMANCE – A SNAPSHOT (in INR Mn) 635,260 530,664 1,165,924 181,189 14% 14% 14% 6% 556,566 464,815 1,021,381 170,502 Deposits Advances Total Business CASA 16,786 11,236 23,157 47.77 11% 11% 9% % % 15,167 10,157 21,235 47.06 % Gross Net Profit Net Interest Cost to Income Profit Inco
Slide 15: Financial Performance & Business Profile
FINANCIAL PERFORMANCE & BUSINESS PROFILE 14
Slide 16: Q1 FY26 vs Q1 FY25 Performance - Financial Performance
Q1 FY 26 VS Q1 FY 25 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS Q1 FY 26 Q1 FY 25 INC / (DEC) Growth Growth % Deposits 657,345 548,569 108,776 20% Advances 540,203 465,479 74,724 16% Total Business 1,197,548 1,014,048 183,500 18% Demand Deposits 53,520 46,242 7,278 16% Sa
Slide 17: Q1 FY26 vs Q1 FY25 Income Statement Snapshot
Q1 FY 26 VS Q1 FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS Q1 FY 26 Q1 FY 25 INC / (DEC) Growth % Q4 FY 25 Net Interest Income 6,253 5,452 801 15% 6,003 Other Income 2,439 1,921 518 27% 2,512 Operating Expenses 4,183 3,638 545 15% 4,105 Gross Profit 4,509 3,735 774 2
Slide 18: FY25 vs FY24 Performance - Financial Performance
FY 25 VS FY 24 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS FY 2025 FY 2024 INC / (DEC) Growth Growth % Deposits 635,260 556,566 78,694 14% Advances 530,664 464,815 65,849 14% Total Business 1,165,924 1,021,381 144,543 14% Demand Deposits 60,738 54,889 5,849 11% Saving Depo
Slide 19: FY25 vs FY24 Income Statement Snapshot
FY 25 VS FY 24 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS FY 25 FY 24 INC / (DEC) Growth % Net Interest Income 23,157 21,235 1,922 9% Other Income 8,981 7,416 1,565 21% Operating Expenses 15,352 13,484 1,868 14% Gross Profit 16,786 15,167 1,619 11% Provisions & Contingenc
Slide 20: Provisions & Contingencies – Breakup
PROVISIONS & CONTINGENCIES – BREAKUP (in INR Mn) PARTICULARS Q1 FY 26 Q1 FY 25 FY 2025 Q4 FY 25 Provision for: - Tax 750 700 2,930 750 - Bad Debts 700 320 2,550 780 - Others - 70 70 - Total 1,450 1,090 5,550 1,530 19
Slide 21: Q1 FY26 vs Q1 FY25 – Income and Expenses Breakup
Q1 FY 26 VS Q1 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q1 FY 26 Q1 FY 25 Growth % PARTICULARS Q1 FY 26 Q1 FY 25 Growth % Interest on Loans 12,902 10,865 19% Int Exp on Deposits 9,414 7,670 23% Interest on Investments 2,864 2,621 9
Slide 22: FY25 vs FY24 – Income and Expenses Breakup
FY 25 VS FY 24 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS FY 25 FY 24 Growth % PARTICULARS FY 25 FY 24 Growth % Interest on Loans 46,721 41,534 12% Int Exp on Deposits 32,774 28,990 13% Interest on Investments 10,733 9,589 12% Other Int Ex
Slide 23: Deposits and Advances Growth – Over the Years
DEPOSITS AND ADVANCES GROWTH – OVER THE YEARS DEPOSITS ADVANCES (in INR Mn) 6,35,260 6,57,345 5,30,664 5,40,203 5,56,566 4,39,708 4,64,815 5,23,979 4,76,897 4,11,560 4,45,370 3,70,206 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-06-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-
Slide 24: Income Growth Over the Years
INCOME GROWTH OVER THE YEARS… (in INR Mn) NET INTEREST INCOME OTHER INCOME 8,981 23,157 8,104 21,628 21,235 7,591 7,416 19,165 6,887 18,297 (3 Mon) (3 Mon) 6,253 2,439 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-06-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-06-2025
Slide 25: Key Business Indicators
KEY BUSINESS INDICATORS PARTICULARS Q1 FY 26 Q1 FY 25 FY 2025 Q4 FY 25 Cost of Deposits 5.95% 5.72% 5.85% 6.02% Yield on Advances 9.81% 9.59% 9.79% 9.93% Yield on Investments 6.45% 6.48% 6.50% 6.51% Net Interest Margin 3.54% 3.54% 3.60% 3.60% Cost to Income 48.12% 49.34% 47.77% 48.21% Cost of Funds
Slide 26: Key Business Ratios – Yearly Trends
KEY BUSINESS RATIOS – YEARLY TRENDS NET INTEREST MARGIN RETURN ON ASSETS 5.00% 1.70% 1.55% 1.55% 1.60% 1.52% 4.50% 1.46% 1.50% 1.40% 1.35% 4.00% 3.98% 4.00% 3.89% 1.30% 3.65% 3.60% 1.20% 1.15% 3.54% 3.50% 1.10% 1.00% 3.00% 0.90% 31-MAR-21 31-MAR-22 31-MAR-23 31-MAR-24 31-MAR-25 30-JUN-25 31-MAR-21 3
Slide 27: Cost of Deposits & Yield on Advances
COST OF DEPOSITS & YIELD ON ADVANCES (in %) 14 13.18 12.83 12.10 12 11.46 10.95 10.76 9.91 9.72 9.79 9.81 10 9.36 9.23 8.15 8 7.62 6.82 6.29 6.17 6.20 5.85 5.95 6 5.36 5.59 4.68 4.66 4 2 0 Mar 15 Mar 16 Mar 17 Mar 18 Mar 19 Mar 20 Mar 21 Mar 22 Mar 23 Mar 24 Mar 25 Jun-25 Spread between cost of depo
Slide 28: Loan Book – Products Composition
LOAN BOOK – PRODUCTS COMPOSITION as on 30.06.2025 Trading & MSME loans constitute about 42% % to Total Advances 1% Diversified credit portfolio reduces credit risk and Lower ticket size backed by adequate collaterals Bills Purchased & Bills Discounted Term Loan Loan Book Products Amount % toTotal Co
Slide 29: Loan Book Sectoral Deployment
LOAN BOOK SECTORAL DEPLOYMENT – POSITION AS ON 30.06.2025 Retail Traders (in INR Mn) 5,680 LAD Wholesale TradersLarge Industries 5,617 8,701 7,956 Infrastructure NBFC 1% 3,197 13,653 2% Personal Loan 13,743 2% 2% Housing 25,564 5% CRE 7% 40% 35,813 SECTORAL MSME DEPLOYMENT 216,653 8% Others 43,615 J
Slide 30: Loan Book – Advances to Major Industries
Corporate Governance Loan Book – Advances to Major Industries (in I N R M n ) Advances to Major Industries 30th June 2025 TEXTILE a) Cotton 20,024 (4%) b) Other Textiles 22,454 (4%) METALS a) Iron & Steel 6,667 (1%) Amount % to Total Industry Name b) Other Metals 12,338 (2%) (in INR Mn) Advances PAP
Slide 31: Gold Loan Book – 30th June 2025
GOLD LOAN BOOK – 30th June 2025 (in INR Mn) GOLD LOAN PORTFOLIO Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Gold Loan – Agriculture 64,418 69,144 70,870 76,293 76,198 Gold Loan – Non-Agriculture 50,214 54,646 58,925 66,453 74,329 Total Gold Loans 114,632 123,790 129,795 142,746 150,527 Gross Advances 465,479
Slide 32: Asset Quality
ASSET QUALITY (in INR Mn) GROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA % 18,932 19,332 19,202 18,544 11,911 16,382 16170 10,752 10,176 5.11% 8,987 4.70% 4.37% 6,531 6346 2.97% 2.95% 3.99% 2.36% 1.97% 3.09% 1.25% 1.20% 2.99% 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 30-Jun-25 31-Mar-21 3
Slide 33: Asset Quality Position – Movement Over the Years
ASSET QUALITY POSITION – MOVEMENT OVER THE YEARS (In INR MN) FY MAR-21 FY MAR-22 FY MAR-23 FY MAR-24 FY MAR-25 Q1 FY 26 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 16,382 Additions A 11,131 12,757 13,290 10,135 8,149 1,963 Recovery made 1,950 4,424 5,764 5,056 5,815 1,083 Upgradations 264
Slide 34: Restructured Accounts
RESTRUCTURED ACCOUNTS Quarter wise balance outstanding in respect of Restructured Standard borrowers (In INR Mn) Sep-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 Type of Restructuring No. of No. of No. of No. of No. of No. of Amt Amt Amt Amt Amt Amt Borrowers Borrowers Borrowers Borrowers Borrowers Borrowe
Slide 35: Investments – At a Glance
INVESTMENTS – AT A GLANCE Investments Breakup and Category wise (in INR Mn) Particulars Jun-25 Jun-24 SLR Securities 167,738 158,617 Non-SLR Securities 7,220 1,535 Total Investments 174,958 160,152 Yield on Investments 6.45% 6.48% Investments Breakup: - A FS 36,191 (21%) 23,708 (15%) - H TM 131,032
Slide 36: Technology Adoption
TECHNOLOGY ADOPTION 35
Slide 37: New Digital Offerings
New Digital Offerings Product Offerings 01 02 03 04 05 Loan Against Credit Card Credit Line National Common New Initiatives Securities UPI Circle/ on UPI on UPI Mobility Card UPI Lite (NCMC) Co-Branded Whatsapp Pay to eBG Products Credit Cards UPI ATM Contact Banking Technology/ Data Voice Biometric
Slide 38: 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 : CSK/SRH merchandise & fan goodies. Official match day offers & discounts. Lounge access, insurance & fuel sur
Slide 39: API Banking
Strategic Partnerships Account Digital Opening Lending Payments API BANKING Correspondent Customer Banking Digital Onboarding Insurance 0 38 39 7
Slide 40: Awards Received During Q1
Awards Received During Q1 City Union Bank has been awarded 2nd Position in the Private Sector Bank category for Outstanding Performance in Digital Payments at the Digital Payments Awards 2024–25 Award received by Dr. N. Kamkodi, MD & CEO, from the Hon’ble Finance Minister, Smt. Nirmala Sitharaman at
Slide 41: Awards Received During Q1
Awards Received During Q1 City Union Bank has won 3 Awards across various Categories in 4th IBA CISO Summit & Citations 2025 40 40
Slide 42: Awards Received During Q1
Awards Received During Q1 City Union Bank has won 2 Awards @ ET Edge DataCon Summit & Awards 2025 India Banking Summit (IBS) & Awards, 2025 by Synnex BFSI CXO Awards & 14th CISO - Cyber Pioneers Awards & Conference 2025 41
Slide 43: Branch Network
BRANCH NETWORK 42
Slide 44: Pan India Presence with Strong Foothold in the South
PAN INDIA PRESENCE WITH STRONG FOOTHOLD IN THE SOUTH No. of % of % of % of STATE Branches Deposits Advances Business TAMILNADU 551 77% 68% 73% KARNATAKA 60 6% 5% 5% ANDHRAPRADESH 56 2% 6% 5% TELENGANA 42 3% 6% 4% MAHARASHTRA 33 5% 3% 4% GUJARAT 30 1% 3% 2% RAJASTHAN 21 1% 2% 1% KERALA 18 1% 2% 2% UT
Slide 45: Shareholding Pattern
SHAREHOLDING PATTERN 44
Slide 46: A Well Diversified Investor Base
A WELL DIVERSIFIED INVESTOR BASE Position as on 30-June-2025 Major Institutional Shareholders QIB, NRI, SHAREHOLDERS* HOLDING % 5.18 0.95 HDFC AMC * 8.62 SBI AMC * 8.00 Corp Bodies, Others, CAPITAL GROUP USA * 5.21 2.11 3.17 FRANKLIN INDIA MUTUAL FUND 2.80 AXIS MUTUAL FUND 2.51 ICICI PRUDENTIAL FUND
Slide 47: Corporate Governance
CORPORATE GOVERNANCE 46
Slide 48: A Well Experienced and Strong Board
A WELL EXPERIENCED AND STRONG BOARD Shri. G. Mahalingam| M.Sc., MBA., CAIIB Dr N. Kamakodi | B.Tech., MBA., PhD., CAIIB Non-Executive Chairman M.D. & C.E.O. Shri. Gurumoorthy Mahalingam is a career Regulator in the Financial Sector having Dr. N. Kamakodi is serving as MD & CEO of the Bank from May 2
Slide 49: Transparent Corporate Governance Practices
TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES Board consists of Various sub- 7 Independent committees of Code of conduct Directors (including Board functions Disclosure norms KYC / AML Norms for Directors and 1 Women Director), 2 to oversee the strictly adhered to strictly complied Senior Management
Slide 50: Contact
Contact Regd. Office : 149,TSR Big Street, Kumbakonam – 612001,Tamilandu. Admin Office : "Narayana" No.24 B, Gandhi Nagar, Kumbakonam - 612001,Tamil Nadu. Tel : 0435-2402322, 2401622, | FAX: 0435-2431746 | www.cityunionbank.com INVESTOR CONTACT Raguraman Gopu, SM Locate us @ Mob: + 91 77088 49222 Em