City Union Bank Limited · NSE:CUB
City Union Bank — Q4 FY2026 Earnings Presentation
50 slides from City Union Bank's earnings presentation, Apr 27, 2026
Slide 1: Cover letter to stock exchanges: Investor Presentation Q4 & FY 2026
trITY UNItrN BeruT LIMITED CIN : 1651 10TN1 9O4PLCOO1287 trUB rnurrAxo uctultcl Regd. office: 149, T.s.R.(Big) street, Kumbakonam - 612 001. Thanjavur Dishict. Tamil Nadu. Telephone No:0435 -Z4O2\2Z llict lloa . E-mail : shares@cityunionbank.com website : www.cityunionbank.bank.in C.O / Shares / LR-
Slide 2: Investor Presentation March 2026
INVESTOR PRESENTATION March 2026
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 …………………………......................................................................... 14 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: 15 years performance
15 years performance 5
Slide 7: 15 years Snapshot
15 years Snapshot (in INR Mn) Year 2010-11 2025-26 CAGR Multiple Paid up Capital 405 741 4% 2x Reserves & Surplus 9,661 1,04,906 16% 10x Deposits 1,29,143 7,83,080 13% 6x Advances 93,290 6,66,988 14% 7x Total Business 2,22,433 14,50,068 13% 7x Net Profit 2,151 13,262 13% 6x No.of Branches 246 949 9%
Slide 8: 15 years progress
15 years progress (in INR Mn) CAGR / Year 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24 2024-25 2025-26 AVG Paid up Capital 405 408 474 543 597 598 601 665 735 737 739 740 740 741 741 741 4.11% Reserves & Surplus 9,661 12,023 15,932 1
Slide 9: Overview
Overview 8
Slide 10: 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 11: 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 12: A Specialized Banking Model Aligned to Target Segment – 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 13: Competitive Advantages
COMPETITIVE ADVANTAGES NETWORK STRONG TRACK RECORD • Continuous profitability and dividend • Pan India presence with 949 branches payout in all 121 years of operations • Strong presence in South India (770 • Business growth of over 10% CAGR in branches) of which 578 are in last 10 years Tamil Nadu a
Slide 14: 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 15: Performance Highlights – March 2026
PERFORMANCE HIGHLIGHTS – MARCH 2026 14
Slide 16: Q4 FY26 Performance – A Snapshot
Q4 FY 26 PERFORMANCE – A SNAPSHOT • Deposits increased by 23% from Rs. 635 Bn to Rs. 783 Bn Y-o-Y • Advances registered a growth of 26% from Rs.531 Bn to Rs.667 Bn Y-o-Y • The total business grew by 24% from Rs.1,166 Bn to Rs. 1,450 Bn Y-o-Y • Profitability and efficiency ratios : PARTICULARS Q4 FY
Slide 17: Q4 FY26 vs Q4 FY25 Performance – A Snapshot
Q4 FY 26 VS Q4 FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 783,080 666,998 1,450,068 216,441 23% 26% 24% 19% 635,260 530,664 1,165,923 181,189 Deposits Advances Total Business CASA 5,796 3,596 7,858 46.15% 31% 25% 30% % 4,410 2,880 6,003 48.21 % Gross Profit Net Profit Net Interest Cost to Income Inc
Slide 18: FY26 vs FY25 Performance – A Snapshot
FY 26 VS FY 25 PERFORMANCE – A SNAPSHOT (in INR Mn) 783,080 666,998 1,450,068 216,441 23% 26% 24% 19% 635,260 530,664 1,165,924 181,189 Deposits Advances Total Business CASA 20,142 13,262 28,298 47.93% 20% 18% 22% % 16,786 11,236 23,157 47.77 % Gross Profit Net Profit Net Interest Cost to Income Inc
Slide 19: Financial Performance & Business Profile
FINANCIAL PERFORMANCE & BUSINESS PROFILE 18
Slide 20: Q4 FY26 vs Q4 FY25 Performance - A Snapshot
Q4 FY 26 VS Q4 FY 25 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS Q4 FY 26 Q4 FY 25 INC / (DEC) Growth Growth % Deposits 783,080 635,260 1,47,820 23% Advances 666,988 530,664 1,36,324 26% Total Business 1,450,068 1,165,924 2,81,144 24% Demand Deposits 70,270 60,737 9,533 16
Slide 21: Q4 FY26 vs Q4 FY25 Financial Performance
Q4 FY 26 VS Q4 FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS Q3 FY 26 Q3 FY 25 INC / (DEC) Growth % Q3 FY 26 Net Interest Income 7,858 6,003 1,855 31% 7,522 Other Income 2,905 2,512 393 16% 2,453 Operating Expenses 4,967 4,105 862 21% 4,844 Gross Profit 5,796 4,410 1,3
Slide 22: FY26 vs FY25 Financial Performance
FY 26 VS FY 25 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS FY 26 FY 25 INC / (DEC) Growth % Net Interest Income 28,298 23,157 5,141 22% Other Income 10,388 8,981 1,408 16% Operating Expenses 18,544 15,352 3,193 21% Gross Profit 20,142 16,786 3,356 20% Provisions & Continge
Slide 23: Provisions & Contingencies – Breakup
PROVISIONS & CONTINGENCIES – BREAKUP (in INR Mn) PARTICULARS Q4 FY 26 Q4 FY 25 FY 26 FY25 Q3 FY 26 Provision for: - Tax 1,000 750 3,450 2,930 850 - Bad Debts 700 780 2,540 2,550 740 - Standard Assets 300 - 590 220 - Others 200 - 300 70 - Total 2,200 1,530 6,880 5,550 1,810 22
Slide 24: Q4 FY26 vs Q4 FY25 – Income and Expenses Breakup
Q4 FY 26 VS Q4 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q4 FY 26 Q4 FY 25 Growth % PARTICULARS Q4 FY 26 Q4 FY 25 Growth % Interest on Loans 15,155 12,432 22% Int Exp on Deposits 9,973 8,764 14% Interest on Investments 3,114 2,714 1
Slide 25: FY26 vs FY25 – Income and Expenses Breakup
FY 26 VS FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS FY 26 FY 25 Growth % PARTICULARS FY 26 FY 25 Growth % Interest on Loans 55,721 46,721 19% Int Exp on Deposits 38,529 32,774 18% Interest on Investments 11,791 10,733 10% Other Int E
Slide 26: Deposits and Advances Growth – Over the Years
DEPOSITS AND ADVANCES GROWTH – OVER THE YEARS DEPOSITS ADVANCES (in INR Mn) 6,66,988 7,83,080 5,30,664 6,35,260 4,39,708 4,64,815 5,56,566 4,11,560 5,23,979 3,70,206 4,45,370 4,76,897 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2026 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-
Slide 27: Income Growth Over the Years
INCOME GROWTH OVER THE YEARS… (in INR Mn) NET INTEREST INCOME OTHER INCOME 28,298 23,157 21,628 21,235 19,165 10,388 18,297 8,981 7,591 8,104 6,887 7,416 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2026 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2026 CEB NET PROFIT
Slide 28: Key Business Indicators
KEY BUSINESS INDICATORS PARTICULARS Q4 FY 26 Q4 FY 25 FY 26 FY 25 Q3 FY 26 Cost of Deposits 5.60% 6.02% 5.70% 5.85% 5.57% Yield on Advances 9.80% 9.93% 9.75% 9.79% 9.73% Yield on Investments 6.61% 6.51% 6.53% 6.50% 6.59% Net Interest Margin 3.87% 3.60% 3.74% 3.60% 3.89% Cost to Income 46.15% 48.21%
Slide 29: Key Business Ratios – Yearly Trends
KEY BUSINESS RATIOS – YEARLY TRENDS NET INTEREST MARGIN RETURN ON ASSETS 5.00% 1.70% 1.55% 1.56% 1.60% 1.52% 4.50% 1.46% 1.50% 1.40% 1.35% 4.00% 3.98% 4.00% 3.89% 1.30% 3.74% 3.65% 3.60% 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 31-MAR-26 31-MAR-21 3
Slide 30: 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 9.75 10 9.36 9.23 8.15 8 7.62 6.82 6.29 6.17 6.20 5.59 5.85 5.70 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 Mar 26 Spread between cost of depo
Slide 31: Loan Book – Products Composition as on 31.03.2026
LOAN BOOK – PRODUCTS COMPOSITION as on 31.03.2026 Trading & MSME loans constitute about 37% % 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 32: Loan Book Sectoral Deployment – Position as on 31.03.2026
LOAN BOOK SECTORAL DEPLOYMENT – POSITION AS ON 31.03.2026 Wholesale Large Industries Traders 3,213 (in INR Mn) 5,860 Infrastructure 3,106 LAD NBFC 10,051 1% Retail Traders 599 17,372 *Personal Loan 1% 23,725 2% 4% Housing 27,208 4% CRE 7% 49,408 37% SECTORAL MSME DEPLOYMENT 250,043 9% Others 60,556
Slide 33: Loan Book – Advances to Major Industries
Loan Book – Advances to Major Industries (in I N R M n ) Advances to Major Industries 31st March 2026 TEXTILE a) Cotton 21,240 (3%) b) Other Textiles 25,710 (4%) METALS a) Iron & Steel 8,517 (1%) Amount % to Total Industry Name b) Other Metals 17,648 (2%) (in INR Mn) Advances PAPER & PAPER PROD 6,93
Slide 34: Gold Loan Book – 31st Mar 2026
GOLD LOAN BOOK – 31st Mar 2026 (in INR Mn) GOLD LOAN PORTFOLIO Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Gold Loan – Agriculture 70,870 76,293 76,198 81,754 80,101 87,177 Gold Loan – Non-Agriculture 58,925 66,453 74,329 81,541 91,994 107,413 Total Gold Loans 129,795 142,746 150,527 163,295 172,095 1
Slide 35: Asset Quality
ASSET QUALITY (in INR Mn) GROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA % 19,332 11,911 6.00% 18,932 19,202 18,544 10,752 5.11% 10,176 16,382 5.00% 4.70% 4.37% 8,987 3.99% 4.00% 12,731 6,531 3.09% 2.97% 2.95% 3.00% 2.36% 4,494 1.91% 1.97% 2.00% 1.25% 0.68% 1.00% 0.00% 31-Mar-21 31-Mar-22 31-Mar-
Slide 36: 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 Q4 FY 26 FY 26 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 13,200 16,382 Additions A 11,131 12,757 13,290 10,135 8,149 1,990 7,449 Recovery made 1,950 4,424 5,764 5,056 5,815 823
Slide 37: 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 Mar-26 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 38: Investments – At a Glance
INVESTMENTS – AT A GLANCE Investments Breakup and Category wise (in INR Mn) Particulars Mar-26 Mar-25 SLR Securities 188,726 158,264 Non-SLR Securities 1,463 1,591 Total Investments 190,189 159,855 Yield on Investments 6.53% 6.50% Investments Breakup: - A FS 54,843 (29%) 24,325 (15%) - H TM 134,090
Slide 39: Technology Adoption
TECHNOLOGY ADOPTION 35 38
Slide 40: New Digital Offerings
New Digital Offerings Product Offerings 01 02 03 04 05 BAPA (Banking as a Interactive UPI Circle / Multi Signatory CUB SalarySe New Initiatives Payment Smart UPI Help (UPI) Aggregator) Statement UPI Reserve Pay Co-Branded CUB Depend CUB Desire Products Credit Cards UPI ATM Technology/ Data Voice Bio
Slide 41: New Digital Offerings – API Banking
New Digital Offerings Account Digital Opening Lending Payments API BANKING Correspondent Customer Banking Digital Onboarding Insurance 0 40 7
Slide 42: Awards Received During Q4
Awards Received During Q4 Prestigious moment for City Union Bank by winning IBA Technology Awards across 6 categories at 21st Annual Technology Conference, Expo & Citations 2024–2025, 9th January 2026 in Mumbai. 0 41 7
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 578 78% 66% 72% KARNATAKA 61 6% 5% 6% TELENGANA 47 3% 7% 5% MAHARASHTRA 36 4% 4% 4% ANDHRAPRADESH 60 2% 6% 4% GUJARAT 32 1% 3% 2% RAJASTHAN 24 1% 2% 1% KERALA 18 1% 2% 2% NE
Slide 45: Shareholding Pattern
SHAREHOLDING PATTERN 44
Slide 46: A Well Diversified Investor Base
A WELL DIVERSIFIED INVESTOR BASE Position as on 31-December-2025 Major Institutional Shareholders QIB, NRI, SHAREHOLDERS* HOLDING % 7.34 1.07 HDFC AMC * 9.40 SBI AMC * 7.85 Corp Bodies, Others, AXIS MUTUAL FUND 4.07 1.94 2.21 CAPITAL GROUP USA * 3.85 HSBC MUTUAL FUND 3.62 EDELWEISS FUND 2.30 F P I,
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- 6 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.bank.in INVESTOR CONTACT Raguraman Gopu, Locate us @ Mob: + 91 77088 49222 Emai