City Union Bank Limited · NSE:CUB
City Union Bank — Q2 FY2026 Earnings Presentation
56 slides from City Union Bank's earnings presentation, Nov 3, 2025
Slide 1: Cover letter to stock exchanges: Investor Presentation Q2 FY 2026
trIrY UNItrN BNNrc LIVITED CIN : 165110TN1904Pr .C001287 Regd. Office : 149, T.S.R. (Big) Street, Kumbakonam - 612 001. Thanjavur District. Tamil Nadu. trUB nusl ExcEuExc€ ^llD ll01 Telephone No:0435 -2402322 Fax:0435 -2431746 JilCE E-mail : shares@ci$unionbank.com Website : www.cityunionbank.com C.
Slide 2: Investor Presentation September 2025
INVESTOR PRESENTATION SEPTEMBER 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 ........................................................................................................................ 05 Performance Highlights …………………………......................................................................... 11 Financial Performance & Business Profil
Slide 5: Celebrating 120 Years of Swadeshi Banking Excellence
Celebrating 120 Years of Swadeshi Banking Excellence! A historic moment for City Union Bank as we celebrated 120 years of Swadeshi Banking Legacy in the presence of Smt. Droupadi Murmu Shri R.N. Ravi Smt. Nirmala Sitharaman Hon’ble President of India Hon’ble Governor of Tamil Nadu Hon’ble Union Mini
Slide 6: Overview
OVERVIEW 05
Slide 7: 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 8: 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 9: City Union Bank: Specialized Banking Model
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 10: Competitive Advantages
COMPETITIVE ADVANTAGES NETWORK STRONG TRACK RECORD • Continuous profitability and dividend • Pan India presence with 889 branches payout in all 121 years of operations • Strong presence in South India (740 • Business growth of over 10% CAGR in branches) of which 557 are in last 10 years Tamil Nadu a
Slide 11: 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 12: Performance Highlights – September 2025
PERFORMANCE HIGHLIGHTS – SEPTEMBER 2025 11
Slide 13: Q2 FY Performance – A Snapshot
Q2 FY 26 PERFORMANCE – A SNAPSHOT • Deposits increased by 21% from Rs. 574 Bn to Rs. 695 Bn Y-o-Y • Advances registered a growth of 18% from Rs.487 Bn to Rs.575 Bn Y-o-Y • The total business grew by 20% from Rs.1,061 Bn to Rs. 1,270 Bn Y-o-Y • Profitability and efficiency ratios : PARTICULARS Q2 FY
Slide 14: Q2 FY26 vs Q2 FY25 Performance Snapshot
Q2 FY 26 VS Q2 FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 694,860 575,612 1,270,472 195,369 21% 18% 20% 16% 573,691 487,220 1,060,911 168,934 Deposits Advances Total Business CASA 4,706 3,286 6,665 49.16% 10% 15% 14% % 4,282 2,852 5,825 47.06 % Gross Profit Net Profit Net Interest Cost to Income Inc
Slide 15: H1 FY26 vs H1 FY25 Performance Snapshot
H1 FY 26 VS H1 FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 694,860 575,612 1,270,472 195,369 21% 18% 20% 16% 573,691 487,220 1,060,911 168,934 Deposits Advances Total Business CASA 9,215 6,345 12,918 48.66% 15% 15% 15% % 8,017 5,497 11,277 48.15 % Gross Profit Net Profit Net Interest Cost to Income I
Slide 16: FY25 vs FY24 Performance 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 Profit Net Profit Net Interest Cost to Income Incom
Slide 17: Financial Performance & Business Profile
FINANCIAL PERFORMANCE & BUSINESS PROFILE 16
Slide 18: Q2 FY26 vs Q2 FY25 Financial Performance
Q2 FY 26 VS Q2 FY 25 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS Q2 FY 26 Q2 FY 25 INC / (DEC) Growth Growth % Deposits 694,860 573,691 121,169 21% Advances 575,612 487,220 88,392 18% Total Business 1,270,472 1,060,911 209,561 20% Demand Deposits 60,583 50,891 9,692 19% Sa
Slide 19: Q2 FY26 vs Q2 FY25 Financial Performance
Q2 FY 26 VS Q2 FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS Q2 FY 26 Q2 FY 25 INC / (DEC) Growth % Q1 FY 26 Net Interest Income 6,665 5,825 840 14% 6,253 Other Income 2,591 2,263 328 14% 2,439 Operating Expenses 4,550 3,806 744 20% 4,183 Gross Profit 4,706 4,282 424 1
Slide 20: H1 FY26 vs H1 FY25 Financial Performance
H1 FY 26 VS H1 FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS H1 FY 26 H1 FY 25 INC / (DEC) Growth % Net Interest Income 12,918 11,277 1,641 15% Other Income 5,030 4,184 846 20% Operating Expenses 8,733 7,444 1,289 17% Gross Profit 9,215 8,017 1,198 15% Provisions & Con
Slide 21: FY25 vs FY24 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 22: FY25 vs FY24 Financial Performance
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 23: Provisions & Contingencies – Breakup
PROVISIONS & CONTINGENCIES – BREAKUP (in INR Mn) PARTICULARS Q2 FY 26 Q2 FY 25 H1 FY 26 H1 FY25 Q1 FY 26 Provision for: - Tax 850 730 1.600 1,430 750 - Bad Debts 400 700 1,100 1,020 700 - Standard Assets 70 - 70 - - - ECL contingency provision 100 - 100 - - - Others - - - 70 - Total 1,420 1,430 2,87
Slide 24: Q2 FY26 vs Q2 FY25 Income and Expenses Breakup
Q2 FY 26 VS Q2 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q2 FY 26 Q2 FY 25 Growth % PARTICULARS Q2 FY 26 Q2 FY 25 Growth % Interest on Loans 13,318 11,435 16% Int Exp on Deposits 9,535 7,950 20% Interest on Investments 2,876 2,710 6
Slide 25: H1 FY26 vs H1 FY25 Income and Expenses Breakup
H1 FY 26 VS H1 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS H1 FY 26 H1 FY 25 Growth % PARTICULARS H1 FY 26 H1 FY 25 Growth % Interest on Loans 26,220 22,299 18% Int Exp on Deposits 18,950 15,621 21% Interest on Investments 5,740 5,331
Slide 26: 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 27: Deposits and Advances Growth Over the Years
DEPOSITS AND ADVANCES GROWTH – OVER THE YEARS DEPOSITS ADVANCES (in INR Mn) 6,94,860 6,35,260 5,75,612 5,30,664 5,56,566 5,23,979 4,64,815 4,76,897 4,11,560 4,39,708 4,45,370 3,70,206 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-09-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-
Slide 28: Income Growth Over the Years
INCOME GROWTH OVER THE YEARS… (in INR Mn) NET INTEREST INCOME OTHER INCOME 8,981 23,157 (6 Mon) 8,104 21,628 21,235 7,591 7,416 (6 Mon) 19,165 6,887 18,297 5,030 12,918 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-09-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 30-09-2025
Slide 29: Key Business Indicators
KEY BUSINESS INDICATORS PARTICULARS Q2 FY 26 Q2 FY 25 H1 FY 26 H1 FY 25 Q1 FY 26 Cost of Deposits 5.71% 5.75% 5.83% 5.73% 5.95% Yield on Advances 9.66% 9.81% 9.73% 9.70% 9.81% Yield on Investments 6.43% 6.54% 6.44% 6.51% 6.45% Net Interest Margin 3.63% 3.67% 3.59% 3.60% 3.54% Cost to Income 49.16% 4
Slide 30: Key Business Ratios – Yearly Trends
KEY BUSINESS RATIOS – YEARLY TRENDS NET INTEREST MARGIN RETURN ON ASSETS 5.00% 1.70% 1.55% 1.57% 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% 3.59% 1.15% 1.20% 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-SEP-25 31-MAR-21 3
Slide 31: 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 9.73 10 9.36 9.23 8.15 8 7.62 6.82 6.29 6.17 6.20 5.59 5.85 5.83 6 5.36 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 Sep-25 Spread between cost of depo
Slide 32: Loan Book – Products Composition
LOAN BOOK – PRODUCTS COMPOSITION as on 30.09.2025 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 33: Loan Book Sectoral Deployment
LOAN BOOK SECTORAL DEPLOYMENT – POSITION AS ON 30.09.2025 LAD Wholesale (in INR Mn) 8,399 Traders 6,007 Large Industries Retail Traders 4,066 NBFC 6,610 Infrastructure 1% 14,412 3,045 Personal Loan 2% 26,036 5% Housing 26,548 5% CRE 5% 30,325 40% SECTORAL MSME DEPLOYMENT 230,876 8% Others 47,373 JL
Slide 34: 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 September 2025 TEXTILE a) Cotton 20,313 (3%) b) Other Textiles 22,630 (4%) METALS a) Iron & Steel 7,610 (1%) Amount % to Total Industry Name b) Other Metals 13,511 (2%) (in INR Mn) Advance
Slide 35: Gold Loan Book – 30th Sep 2025
GOLD LOAN BOOK – 30th Sep 2025 (in INR Mn) GOLD LOAN PORTFOLIO Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Gold Loan – Agriculture 64,418 69,144 70,870 76,293 76,198 81,754 Gold Loan – Non-Agriculture 50,214 54,646 58,925 66,453 74,329 81,541 Total Gold Loans 114,632 123,790 129,795 142,746 150,527 16
Slide 36: 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 10,752 10,176 13,932 5.11% 8,987 4.70% 4.37% 6,531 2.97% 2.95% 3.99% 5,129 2.36% 1.97% 3.09% 1.25% 0.90% 2.42% 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 30-Sep-25 31-Mar-21
Slide 37: 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 Q2 FY 26 H1 FY 26 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 16,170 16,382 Additions A 11,131 12,757 13,290 10,135 8,149 1,565 3,528 Recovery made 1,950 4,424 5,764 5,056 5,815
Slide 38: 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 Sep-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 39: Investments – At a Glance
INVESTMENTS – AT A GLANCE Investments Breakup and Category wise (in INR Mn) Particulars Sep-25 Sep-24 SLR Securities 173,850 162,977 Non-SLR Securities 1,657 1,600 Total Investments 175,507 164,577 Yield on Investments 6.44% 6.51% Investments Breakup: - A FS 41,331 (23%) 24,256 (15%) - H TM 132,627
Slide 40: Technology Adoption
TECHNOLOGY ADOPTION 39 35
Slide 41: New Digital Offerings
New Digital Offerings Product Offerings 01 02 03 04 05 UPI Circle/ CUB DEPEND - Credit Line National Common New Initiatives CUB DESIRE UPI HELP Credit Card on UPI on UPI Mobility Card (NCMC) Whatsapp Co-Branded MSME eBG Products Banking Credit Cards Corporate card UPI ATM Technology/ Data Voice Biom
Slide 42: API Banking
Strategic Partnerships Account Digital Opening Lending Payments API BANKING Correspondent Customer Banking Digital Onboarding Insurance 07 0 41 39 7
Slide 43: Awards Received During Q2
Awards Received During Q2 6th Insights CXO Awards & Symposium 2025 Cyber Security Conference & Awards 2025 Won two awards for India Customer Experience Summit & Awards 2025 3rd Emerging Asia Banking Award 42 40
Slide 44: Digital Banking Solutions unveiled at Global Fintech Fest
Our Digital Innovative Banking Solutions unveiled at the Global Fintech Fest on Oct 7th - 9th, 2025 UPI Circle – My Devices(IoT) Now primary users can add trusted devices enabling transactions directly from smartwatches and set-top boxes. UPI Help An AI-powered support feature by NPCI to simplify UP
Slide 45: Digital Banking Solutions unveiled at Global Fintech Fest
Our Digital Innovative Banking Solutions unveiled at the Global Fintech Fest on Oct 7th - 9th, 2025 UPI Multi Signatory A Multi Signatory feature which enables Joint accounts or businesses to make the UPI Merchant Payments that require authorisation from one or more signatories UPI Reserve Pay Allow
Slide 46: Digital Banking Solutions unveiled at Global Fintech Fest
Our Digital Innovative Banking Solutions unveiled at the Global Fintech Fest on Oct 7th - 9th, 2025 CUB Desire A Systematic Savings Plan for CUB and CUB Depend Non-CUB customers to save easily and A fully digital, secured CreditLine on fulfil their Dreams/Future plans. UPI backed by Fixed Deposits.
Slide 47: Digital Banking Solutions unveiled at Global Fintech Fest
Our Digital Innovative Banking Solutions unveiled at the Global Fintech Fest on Oct 7th - 9th, 2025 Loan Against Securities MSME Corporate Card As an added feature, Loan Against India’s first AI-enabled Credit Card Mutual Funds is now made available for designed for smarter MSME Expense and New-To-B
Slide 48: More UPI features launched by CUB at GFF
Along with that, here are more exciting UPI features launched by CUB at GFF Biometric Authentication for Aadhaar-Based Face Cash Withdrawal at Micro ATMs UPI Transactions Authentication in UPI using UPI QR Introducing new feature which allows UPI Introducing new feature which allows UPI Introducing
Slide 49: Branch Network
BRANCH NETWORK 48
Slide 50: 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 557 78% 67% 73% KARNATAKA 60 6% 5% 5% ANDHRAPRADESH 56 2% 6% 4% TELENGANA 43 3% 6% 5% MAHARASHTRA 35 5% 3% 4% GUJARAT 30 1% 3% 2% RAJASTHAN 21 1% 2% 1% KERALA 18 1% 2% 1% UT
Slide 51: Shareholding Pattern
SHAREHOLDING PATTERN 50
Slide 52: A Well Diversified Investor Base
A WELL DIVERSIFIED INVESTOR BASE Position as on 30-September-2025 Major Institutional Shareholders QIB, NRI, SHAREHOLDERS* HOLDING % 6.48 0.99 HDFC AMC * 9.48 SBI AMC * 7.73 Corp Bodies, Others, CAPITAL GROUP USA * 5.21 2.16 3.47 AXIS MUTUAL FUND 3.06 FRANKLIN INDIA MUTUAL FUND 2.49 VANGUARD GROUP 2
Slide 53: Corporate Governance
CORPORATE GOVERNANCE 52
Slide 54: 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 55: 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 56: 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, Locate us @ Mob: + 91 77088 49222 Email: r