City Union Bank Limited · NSE:CUB
City Union Bank — Q3 FY2026 Earnings Presentation
58 slides from City Union Bank's earnings presentation, Feb 2, 2026
Slide 1: Exchange filing cover letter: Investor Presentation Q3 & 9M FY2026
trIrv UNItrN BANrc LIVITED CIN : 1651 1 OTN 1 9O4PL COOIZSI Regd. Office: 149, T.S.R. (Big) Street, Kumbakonam - 612 001. Thanjavur District. trUB IRUSTAIIO EXCEITEIICE Jltcl ttol Tamil Nadu. Telephone No : 0435 - 2402322 E-mail : shares@cityunionbank.com Website : www.cityunionbank.bank.in C.O / Sh
Slide 2: Investor Presentation December 2025
INVESTOR PRESENTATION DECEMBER 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 Smt. Nirmala Sitharaman Hon’ble President of India Hon’ble Union Minister of Finance Shri R.N. Ravi Smt. P. Geetha
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 for 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 reliance on Corporate busine
Slide 10: Competitive Advantages
COMPETITIVE ADVANTAGES NETWORK STRONG TRACK RECORD • Continuous profitability and dividend • Pan India presence with 901 branches payout in all 121 years of operations • Strong presence in South India (747 • Business growth of over 10% CAGR in branches) of which 563 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 Safety
Slide 12: Performance Highlights – December 2025
PERFORMANCE HIGHLIGHTS – DECEMBER 2025 11
Slide 13: Q3 FY26 Performance – A Snapshot
Q3 FY 26 PERFORMANCE – A SNAPSHOT • Deposits increased by 21% from Rs. 583 Bn to Rs. 705 Bn Y-o-Y • Advances registered a growth of 21% from Rs.504 Bn to Rs.609 Bn Y-o-Y • The total business grew by 21% from Rs.1,087 Bn to Rs. 1,314 Bn Y-o-Y • Profitability and efficiency ratios : PARTICULARS Q3 FY
Slide 14: Q3 FY26 vs Q3 FY25 Performance – A Snapshot
Q3 FY 26 VS Q3 FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 705,159 608,920 1,314,079 192,335 21% 21% 21% 19% 582,713 504,093 1,086,806 161,319 Deposits Advances Total Business CASA 5,131 3,321 7,522 48.56 18% 16% 28% % % 4,360 2,860 5,877 46.58 % Gross Net Profit Net Interest Cost to Income Profit In
Slide 15: 9M FY26 vs 9M FY25 Performance – A Snapshot
9M FY 26 VS 9M FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 705,159 608,920 1,314,079 192,335 21% 21% 21% 19% 582,713 504,093 1,086,806 161,319 Deposits Advances Total Business CASA 14,347 9,667 20,440 48.62 16% 16% 19% % % 12,376 8,356 17,154 47.61 % Gross Net Profit Net Interest Cost to Income Profi
Slide 16: 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 17: Financial Performance & Business Profile
FINANCIAL PERFORMANCE & BUSINESS PROFILE 16
Slide 18: Q3 FY26 vs Q3 FY25 Performance
Q3 FY 26 VS Q3 FY 25 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS Q3 FY 26 Q3 FY 25 INC / (DEC) Growth Growth % Deposits 705,159 582,713 122,446 21% Advances 608,920 504,093 104,827 21% Total Business 1,314,079 1,086,806 227,273 21% Demand Deposits 55,982 47,513 8,469 18% S
Slide 19: Q3 FY26 vs Q3 FY25 Financial Performance
Q3 FY 26 VS Q3 FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS Q3 FY 26 Q3 FY 25 INC / (DEC) Growth % Q2 FY 26 Net Interest Income 7,522 5,877 1,645 28% 6,665 Other Income 2,453 2,284 169 7% 2,591 Operating Expenses 4,844 3,801 1,043 27% 4,550 Gross Profit 5,131 4,360 77
Slide 20: 9M FY26 vs 9M FY25 Performance
9M FY 26 VS 9M FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS 9M FY 26 9M FY 25 INC / (DEC) Growth % Net Interest Income 20,440 17,154 3,286 19% Other Income 7,484 6,468 1,016 16% Operating Expenses 13,577 11,246 2,331 21% Gross Profit 14,347 12,376 1,971 16% Provisions
Slide 21: FY25 vs FY24 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 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 Q3 FY 26 Q3 FY 25 9M FY 26 9M FY25 Q2 FY 26 Provision for: - Tax 850 750 2,450 2,180 850 - Bad Debts 740 750 1,840 1,770 400 - Standard Assets 220 - 290 70 - ECL contingency provision - - 100 100 - Others - - - 70 - Total 1,810 1,500 4,680
Slide 24: Q3 FY26 vs Q3 FY25 – Income and Expenses Breakup
Q3 FY 26 VS Q3 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q3 FY 26 Q3 FY 25 Growth % PARTICULARS Q3 FY 26 Q3 FY 25 Growth % Interest on Loans 14,346 11,990 20% Int Exp on Deposits 9,607 8,390 15% Interest on Investments 2,937 2,689 9
Slide 25: 9M FY26 vs 9M FY25 – Income and Expenses Breakup
9M FY 26 VS 9M FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS 9M FY 26 9M FY 25 Growth % PARTICULARS 9M FY 26 9M FY 25 Growth % Interest on Loans 40,566 34,289 18% Int Exp on Deposits 28,556 24,010 19% Interest on Investments 8,677 8,020
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) 7,05,159 6,08,920 6,35,260 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 31-12-2025 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 (9 Mon) (9 Mon) 23,157 8,104 21,628 21,235 20,440 7,591 7,416 7,484 19,165 6,887 18,297 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-12-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-12-2025
Slide 29: Key Business Indicators
KEY BUSINESS INDICATORS PARTICULARS Q3 FY 26 Q3 FY 25 9M FY 26 9M FY 25 Q2 FY 26 Cost of Deposits 5.57% 5.88% 5.74% 5.78% 5.71% Yield on Advances 9.73% 9.81% 9.73% 9.74% 9.66% Yield on Investments 6.59% 6.49% 6.49% 6.50% 6.43% Net Interest Margin 3.89% 3.58% 3.69% 3.59% 3.63% Cost to Income 48.56% 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% 1.55% 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% 3.69% 1.15% 3.60% 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 31-DEC-25 31-MAR-21 3
Slide 31: Yield on Advances & Cost of Deposits
YIELD ON ADVANCES & COST OF DEPOSITS (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 5.85 5.74 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 Dec-25 Spread between cost of depo
Slide 32: Loan Book – Products Composition
LOAN BOOK – PRODUCTS COMPOSITION as on 31.12.2025 Trading & MSME loans constitute about 40% % 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 31.12.2025 Wholesale LAD Traders (in INR Mn) 8,643 3,066 Large Industries Retail Traders 752 NBFC 8,977 1% Infrastructure 14,315 3,269 *Personal Loan 1% 23,489 2% 4% Housing 26,660 4% CRE 6% 36,770 39% SECTORAL MSME DEPLOYMENT 238,363 9% Others 55,999 J
Slide 34: Loan Book – Advances to Major Industries
Loan Book – Advances to Major Industries (in I N R M n ) Advances to Major Industries 31st December 2025 TEXTILE a) Cotton 21,489 (4%) b) Other Textiles 24,367 (4%) METALS a) Iron & Steel 7,997 (1%) Amount % to Total Industry Name b) Other Metals 16,977 (2%) (in INR Mn) Advances PAPER & PAPER PROD 7
Slide 35: Gold Loan Book
GOLD LOAN BOOK – 31st Dec 2025 (in INR Mn) GOLD LOAN PORTFOLIO Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Gold Loan – Agriculture 70,870 76,293 76,198 81,754 80,101 Gold Loan – Non-Agriculture 58,925 66,453 74,329 81,541 91,994 Total Gold Loans 129,795 142,746 150,527 163,295 172,095 Gross Advances 504,093
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 5.11% 10,176 4.70% 8,987 13,200 4.37% 3.99% 6,531 2.97% 2.95% 2.36% 4,693 3.09% 1.97% 1.25% 0.78% 2.17% 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 31-Dec-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 Q3 FY 26 9M FY 26 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 13,932 16,382 Additions A 11,131 12,757 13,290 10,135 8,149 1,931 5,459 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 Dec-25 Type of Restructuring No. of No. of No. of No. of No. of No. of No. of Amt Amt Amt Amt Amt Amt Amt Borrowers Borrowers Borrowers Borrowers
Slide 39: Investments – At a Glance
INVESTMENTS – AT A GLANCE Investments Breakup and Category wise (in INR Mn) Particulars Dec-25 Dec-24 SLR Securities 173,918 158,264 Non-SLR Securities 1,659 1,591 Total Investments 175,577 159,855 Yield on Investments 6.49% 6.50% Investments Breakup: - A FS 47,283 (27%) 24,325 (15%) - H TM 126,842
Slide 40: Technology Adoption
TECHNOLOGY ADOPTION 39 35
Slide 41: New Digital Offerings
New Digital Offerings Our digital roadmap focuses on customer-centric innovation, product expansion, and technology-led automation to enhance convenience, security, and scalability across banking services. New Initiatives Products Technology/Automation CUB SalarySe BAPA (Banking as a Interactive Sma
Slide 42: New Digital Offerings
New Digital Offerings Our digital roadmap focuses on customer-centric innovation, product expansion, and technology-led automation to enhance convenience, security, and scalability across banking services. New Initiatives Products Technology/Automation UPI Reserve Pay Co-branded Credit Cards CUB Dep
Slide 43: New Digital Offerings
New Digital Offerings Our digital roadmap focuses on customer-centric innovation, product expansion, and technology-led automation to enhance convenience, security, and scalability across banking services. New Initiatives Products Technology/Automation Data Analytics Voice Biometric AI Conversationa
Slide 44: CUB Kavach – Secured Credit Card
CUB Kavachh – Secured Credit Card City Union Bank introduces CUB Kavach, a secured credit card designed to enable safe and responsible credit usage by leveraging the customer’s Fixed Deposit as collateral. Zero Joining Fee Attractive Reward Points on eligible spends 1% Fuel Surcharge Waiver 43 40
Slide 45: CUB SalarySe Credit Card
CUB SalarySe Credit Card CUB SalarySe is a purpose-built credit card for salaried professionals, designed to align credit benefits with predictable income patterns and monthly salary credits. Introducing Level Up Credit card, India’s First Card Designed for salaried 1% Forex Markup Professional. 37.
Slide 46: Strategic Partnerships – API Banking
Strategic Partnerships Account Digital Opening Lending Payments API BANKING Correspondent Customer Banking Digital Onboarding Insurance 07 0 45 39 7
Slide 47: Achievements & Recognition
Achievements & Recognition During Q3, City Union Bank received multiple national-level awards recognizing its digital transformation, advanced analytics, and AI-led initiatives across banking operations. 46 40
Slide 48: Financial Express FinTech Summit and ET BFSI Awards 2025
3rd Financial Express FinTech Summit Awards 2025 Gold Best Use of Predictive & Prescriptive Analytics Bronze Best Use of AI in a Consumer / Customer Service Application ET BFSI EXCELLER Awards 2025 Best Innovative in Digital Lending – Banks Data-Driven Growth Strategy – Banks 42 47 40
Slide 49: CXO100 Vision and Technology Senate Awards 2025
6th CXO100 Vision 2025 – CIO Axis 2025 AI ICON CIO of the Year Technology Senate Awards – Express Computers 2025 Winner Analytics / Big Data 48 40
Slide 50: Prestigious Recognition at IBA Technology Awards 2024–25
Prestigious Recognition at IBA Technology Awards 2024–25 City Union Bank continues its strong performance by winning 6 Technology Awards at the IBA Technology Awards presented during the 21st Annual Technology Conference, Expo & Citations, held on 9th January 2026, Mumbai. Winner Best AI & ML Adopti
Slide 51: Branch Network
BRANCH NETWORK 50
Slide 52: 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 563 78% 66% 72% KARNATAKA 62 6% 5% 6% TELENGANA 42 3% 7% 5% MAHARASHTRA 35 4% 4% 4% ANDHRAPRADESH 56 2% 6% 4% GUJARAT 30 1% 3% 2% RAJASTHAN 21 1% 2% 1% KERALA 18 1% 2% 2% NE
Slide 53: Shareholding Pattern
SHAREHOLDING PATTERN 52
Slide 54: A Well Diversified Investor Base
A WELL DIVERSIFIED INVESTOR BASE Position as on 31-December-2025 Major Institutional Shareholders QIB, NRI, SHAREHOLDERS* HOLDING % 7.52 1.09 HDFC AMC * 9.41 SBI AMC * 8.21 Corp Bodies, Others, CAPITAL GROUP USA * 5.20 2.03 2.42 AXIS MUTUAL FUND 3.80 EDELWEISS FUND 2.05 VANGUARD GROUP 2.05 F P I, FR
Slide 55: Corporate Governance
CORPORATE GOVERNANCE 54
Slide 56: 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 57: 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 58: 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.bank.in INVESTOR CONTACT Raguraman Gopu, Locate us @ Mob: + 91 77088 49222 E