City Union Bank Limited · NSE:CUB

City Union Bank — Investor Presentation (September 2017)

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

  1. Slide 1: Investor Presentation September 2017

    INVESTOR PRESENTATION SEPTEMBER 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 – September 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: Q2 & H1 FY 2018 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q2 & H1 FY 2018 Performance – A snapshot  Deposits increased by 9% from Rs.284 Bn to Rs.309 Bn Y-o-Y  Advances registered a growth of 14% from Rs.222 Bn to

  10. Slide 10: Q2 FY 2018 Vs Q2 FY 2017 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q2 FY 2018 Vs Q2 FY 2017 Performance – A snapshot (All figures in I N R M n) 308,816 253,888 562,704 70,939 9% 14% 11% 21% 283,928 222,149 506,077 58,794 Depo

  11. Slide 11: H1 FY 2018 Vs H1 FY 2017 Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern H1 FY 2018 Vs H1 FY 2017 Performance – A snapshot (All figures in I N R M n) 308,816 253,888 562,704 70,939 9% 14% 11% 21% 283,928 222,149 506,077 58,794 Depo

  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: Q2 FY 18 Vs Q2 FY 17 – Performance – A snapshot

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

  14. Slide 14: Q2 FY 18 Vs Q2 FY 17 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q2 FY 18 Vs Q2 FY 17 – Performance – A snapshot (in I N R M n) Financial Perform ance INC / Particulars Q2 FY 2018 Q2 FY 2017 Growth % Q1 FY 2018 (DEC) Net In

  15. Slide 15: H1 FY 18 Vs H1 FY 17 – Performance – A snapshot

    1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern H1 FY 18 Vs H1 FY 17 – Performance – A snapshot (in I N R M n) Financial Perform ance INC / Particulars H1 FY 2018 H1 FY 2017 Growth % (DEC) Net Interest Inco

  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 301,157 271,5

  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: Q2 FY 18 Vs Q2 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 Q2 FY 18 Vs Q2 FY 17 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup Q2 FY Q2 FY Growth Q2 FY Q2 FY Growth Pa

  19. Slide 19: H1 FY 18 Vs H1 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 H1 FY 18 Vs H1 FY 17 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup H1 FY H1 FY Growth H1 FY H1 FY Growth Pa

  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 Particulars

  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 % 3,01,157 3,08,816 2,41,125 2,53,888 2,71,581 2,12,531 2,40,750 1,80,8

  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 4,840 9,810 4,041 4,100 7,594 8,

  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 Q2 FY Q2 FY Q1 FY H1 FY H1 FY FY Particulars 2018 2017 2018 2018 2017 2016-17 Cost of Deposits 6.26% 6.86% 6.44% 6.35% 6.99% 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% 1.59% 4.47% 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% 11.65% 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 23.37 22.97 44.10 20.37 42.83 19.23 17.79 40.94 40.10 37.54 31-Mar-2014 31-Mar-2015 31-Mar-2016 31-Mar-2017 30-Se

  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 Cash Credit & Demand • Working capital loans yielding higher interest Loans constitute 65% of advances 36

  28. Slide 28: Loan Book – Sectoral Deployment – Position as on 30.09.2017

    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 30.09.2017 (in I N R M n) Sectorial Deploym ent Secured & Unsecured Advances Agriculture 37,928 (15%) 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 30 th September 2017 TEXTILE a) Cotton 11,462 (5%) b) Other Textiles 14,2

  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) Gr oss NP A Q t m & Gr oss NP A % Net NP A Q t m & Net NP A % 7,804 6,820 4,410 4,083 5,120 3,232 3,358 2,328 2,931 3.07% 1973 2.

  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 Q2 FY H1 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 30.09.2017 in respect of Restructured Standard borrowers  No account has been restructured during Q2 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 SEP 2017 SEP 2016 SLR Securities 71,238 67,876 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 Sep-2017 - 555 branches. 494 branches are located in South India out of which 383 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 30 th Sep 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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