City Union Bank Limited

rs,

rategy, developments in the industry and regulatory environment. Actual results to a number of factors, including future changes or developments in the legal and social conditions in India. This communica

INR 48,772

asset profile including providing short term FACTS & FIGURES Position as on 30.06.2022 Deposits INR 48,772 CR Advances INR 40,934 CR INR 40,934 CR Net Interest Margin 3.95% Net NPA 2.89% 2.89% ATM’s 1,6

INR 40,934

providing short term FACTS & FIGURES Position as on 30.06.2022 Deposits INR 48,772 CR Advances INR 40,934 CR INR 40,934 CR Net Interest Margin 3.95% Net NPA 2.89% 2.89% ATM’s 1,691 Branches 727 727 Em

3.95%

as on 30.06.2022 Deposits INR 48,772 CR Advances INR 40,934 CR INR 40,934 CR Net Interest Margin 3.95% Net NPA 2.89% 2.89% ATM’s 1,691 Branches 727 727 Employees 5,333 5,333 Efficiency Ratio 39.78

2.89%

Deposits INR 48,772 CR Advances INR 40,934 CR INR 40,934 CR Net Interest Margin 3.95% Net NPA 2.89% 2.89% ATM’s 1,691 Branches 727 727 Employees 5,333 5,333 Efficiency Ratio 39.78% 5 KEY MILEST

39.78%

3.95% Net NPA 2.89% 2.89% ATM’s 1,691 Branches 727 727 Employees 5,333 5,333 Efficiency Ratio 39.78% 5 KEY MILESTONES Scheduled bank since 22.03.1945 Amalgamation of ‘TheCity Amalgamation of ‘Th

rs 1945

Employee Reservation Scheme” Bonus Issue @ 1 : 10 - 1 : 10 - rewarded to the existing Shareholders 1945 1965 2002 2007 1904 1957 1998 2003 2009 2012 2014 2017 & 2018 Incorporation of the Bank

Rs.3,500

urance business insurance Rights Issue @ 1 : 4 - toreward the existing shareholders Raised INR Rs.3,500 mn in Equity capital Through QIP route 6 CITY UNION BANK - A SPECIALIZED BANKING SEGMENT – SME /

100%

ve employee training and recruitment infrastructure through staff training college All branches and 100% business under CBS fromTCS 10 year CAGR of 15%+ Consistent Return with Superior ROA, ROE 7 COMP

15%

re through staff training college All branches and 100% business under CBS fromTCS 10 year CAGR of 15%+ Consistent Return with Superior ROA, ROE 7 COMPETITIVE ADVANTAGES NETWORK NETWORK Pan India p

20.48%

ches) of which 495 are in Tamil Nadu alone ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.48% out of whichTier 1 constitutes 19.42% MSME / TRADING PORTFOLIO Trading and MSME loan segments con

19.42%

one ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.48% out of whichTier 1 constitutes 19.42% MSME / TRADING PORTFOLIO Trading and MSME loan segments constitute about 51% of advances STRONG

“Out of Rs.304 Mn of MTM loss in G-Sec, an amount of Rs.40 Mn will Rs.140 Mn will be by FY 23-24.”

“we already held a provision of Rs.56 Mn in FY requirement of Rs.425 Mn which includes Rs.250 Mn towards shifting of securities from AFS to HTM in will be released by Q4 FY 23 and another sum of even though the MTM loss as of Jun 2022 stood August mainly because of dip in 10yr YTM to 7.30% 38 NETWORK BRANCH NETWORK 3939 STRONG PRESENCE IN THE SOUTH As of June 2022 - 727 branches.”

Profitability and efficiency ratios

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Provision for

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Investments Breakup

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Modified Duration

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Email

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Profitability and efficiency ratios

PARTICULARS Q1 FY 23 Q1 FY 22 Q4 FY 22 Q4 FY 22 FY 2021-22 FY 2020-21 Return on Assets Net Interest Margin Return on Equity Earning per share 1.46% 3.95% 13.57% Rs.3.04 1.29% 3.86% 11.81% Rs.2.34 1.42% 1.42% 4.01% 4.01% 13.15% 13.15% Rs.2.83 Rs.2.83 1.35% 3.98% 12.31% Rs.10.29 1.15% 4.00% 10.73% Rs.8.03 Gross NPA – 4.65% and Net NPA – 2.89% Provision Coverage Ratio – 64% CRAR – 20.48% (Basel III) of which core CRAR – 19.42% 11 Q1 FY 2023 VS Q1 FY 2022 PERFORMANCE – A SNAPSHOT Q1 FY 2023 VS Q1 FY 2022 PERFORMANCE (in INR Mn) 487,721 9% 446,059 Deposits 4,471 17% 3,808 Gross Profit Gross Profit 409,341 12% 12% 363,955 Advances 2,251 30% 1,730 Net Profit Net Profit 897,062 11% 810,014 Total Business 5,249 17% 4,476 Net Interest Net Interest Income 153,870 25% 122,991 CASA 39.78% % 40.60% Cost to Income Cost to Income 1.46% ROA 13.57% ROE 3.95% 3.95% NIM NIM 4.65% Gross NPA 2.89% Net NPA Q1 FY 23 Q1 FY 22 12 A SNAPSHOT FY 2022 VS FY 2021 PERFORMANCE – A SNAPSHOT (in INR Mn) 476,897 7% 445,

Provision for

- Tax - Tax - Bad Debts - Contingency / Covid 19 - Standard Assets - Restructuring / FITL - Others Total 700 700 1,400 120 - - - 400 400 2,330 -830 130 3 45 2,250 2,250 5,535 - 80 550 107 -11 1,000 1,000 5,990 310 1,045 265 140 2,220 2,078 8,351 8,750 19 Q1 FY 23 VS Q1 FY 22 – INCOME AND EXPENSES EXPENSES BREAKUP (in INR Mn) INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP PARTICULARS PARTICULARS Interest on Loans Interest on Investments Other Interest Income Q1 FY 2023 2023 9,018 1,895 81 Total Interest Income 10,994 Q1 FY 2022 2022 8,560 1,363 51 9,974 Growth % Growth % PARTICULARS PARTICULARS Q1 FY 2023 2023 Q1 FY 2022 2022 Growth % Growth % 5% 39% 57% 10% Int Exp on Deposits 5,194 5,405 -4% Other Int Expenses Total Interest Expenses * 551 93 491% 5,745 5,498 4% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS CEB & Charges Treasury Income Q1 FY 2023 2023 850 209 Q1 FY 2022 2022 680 1,029 Growth % PARTICULARS Q1 FY 2023 2023 Q1 FY 2022 2022 Growth % 25% -80% Employee Cos

Modified Duration

- A F S - H T M - H FT - Overall Portfolio JUN 2022 136,619 1,492 1,492 138,111 5.82% 28,379 (21%) 28,379 (21%) (79%) 109,732 (79%) - 138,111 1.21 4.52 - 3.86 JUN 2021 99,516 1,784 1,784 101,300 5.61% 7,334 (7%) 93,966 (93%) - 101,300 2.50 4.39 - 4.28 The MTM loss for Q1 FY 23 wrt G-Sec stood at Rs.304 Mn against which we 2022. During Q1 FY 23, we have made an additional provision requirement towards G-Sec, Rs.140 Mn towards Security Receipts and Rs.35 Mn towards April. Out of Rs.304 Mn of MTM loss in G-Sec, an amount of Rs.40 Mn will Rs.140 Mn will be by FY 23-24. Also, we wish to mention a point here that even at Rs.300 Mn, the requirements came down to Rs.240 Mn as of 5th of August from 7.45% in Jun 2022. we already held a provision of Rs.56 Mn in FY requirement of Rs.425 Mn which includes Rs.250 Mn towards shifting of securities from AFS to HTM in will be released by Q4 FY 23 and another sum of even though the MTM loss as of Jun 2022 stood August mainly because of dip in 10yr YTM t

Email

yaraman@cityunionbank.com jayaraman@cityunionbank.com For any queries regarding presentation, regarding presentation, please write to elations@cityunionbank.com Investor.relations@cityunionbank.com