City Union Bank Limited

rs,

Mumbai 400 051 Mumbai 400 001 25th Floor, Dalal Street, DCS – CRD, Phiroze Jeejeebhoy Towers, BSE Ltd., Scrip Code: CUB Dear Madam / Sir, Scrip Code: 532210 Sub: Investor presentation –

INR 49,878

m and long term loans to agricultural sector. FACTS & FIGURES Position as on 30.09.2022 Deposits INR 49,878 CR Advances INR 42,702CR Net Interest Margin 4.02% Net NPA 2.69% ATM’s 1,693 Branches 727 Emp

INR 42,702

agricultural sector. FACTS & FIGURES Position as on 30.09.2022 Deposits INR 49,878 CR Advances INR 42,702CR Net Interest Margin 4.02% Net NPA 2.69% ATM’s 1,693 Branches 727 Employees 5,339 Efficienc

4.02%

URES Position as on 30.09.2022 Deposits INR 49,878 CR Advances INR 42,702CR Net Interest Margin 4.02% Net NPA 2.69% ATM’s 1,693 Branches 727 Employees 5,339 Efficiency Ratio 39.10% 5 KEY MILEST

2.69%

s on 30.09.2022 Deposits INR 49,878 CR Advances INR 42,702CR Net Interest Margin 4.02% Net NPA 2.69% ATM’s 1,693 Branches 727 Employees 5,339 Efficiency Ratio 39.10% 5 KEY MILESTONES Scheduled

39.10%

Interest Margin 4.02% Net NPA 2.69% ATM’s 1,693 Branches 727 Employees 5,339 Efficiency Ratio 39.10% 5 KEY MILESTONES Scheduled bank since 22.03.1945 Amalgamation of ‘TheCity Forward Bank Limite

rs 1945

under “Employee Reservation Scheme” Bonus Issue @ 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

neral insurance business 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 MODEL ALIGNED T

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 COMPE

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 Pan India presence w

20.08%

ches) of which 495 are in Tamil Nadu alone ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.08% out of whichTier 1 constitutes 19.02% MSME / TRADING PORTFOLIO Trading and MSME loan segments con

19.02%

one ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.08% out of whichTier 1 constitutes 19.02% MSME / TRADING PORTFOLIO Trading and MSME loan segments constitute about 50% of advances STRONG

“The soft launch for the solution is underway and will be rolled out to customers shortly.”

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 Q2 FY 23 Q2 FY 22 H1 FY 23 H1 FY 22 FY 2021-22 Return on Assets Net Interest Margin Return on Equity Earning per share 1.72% 4.09% 15.98% Rs.3.74 1.32% 4.03% 11.96% Rs.2.46 1.59% 4.02% 14.80% Rs.6.78 1.30% 3.95% 11.88% Rs.4.81 1.35% 3.98% 12.31% Rs.10.29 Gross NPA – 4.36% and Net NPA – 2.69% Provision Coverage Ratio – 66% CRAR – 20.08% (Basel III) of which core CRAR – 19.02% 11 Q2 FY 23 VS Q2 FY 22 PERFORMANCE – A SNAPSHOT (in INR Mn) 498,776 8% 463,161 Deposits 4,565 13% 4,051 Gross Profit 427,016 12% 380,122 Advances 2,765 52% 1,821 Net Profit 925,792 10% 843,283 Total Business 5,679 19% 4,783 Net Interest Income 156,094 16% 134,113 CASA 38.43% % 40.51% Cost to Income 1.72% ROA 15.98% ROE 4.09% NIM 4.36% Gross NPA 2.69% Net NPA Q2 FY 23 Q2 FY 22 12 H1 FY 23 VS H1 FY 22 PERFORMANCE – A SNAPSHOT (in INR Mn) 498,776 8% 463,161 Deposits 9,036 15% 7,858 Gross Profit 427,016 12% 380,122 Advances 5,016 41% 3,551 Net Profit 925,792 10% 843,283 Total Business 10,928 18% 9,259 Net

Provision for

- Tax - Bad Debts - Covid 19 - Standard Assets - Restructuring / FITL - Others Total 750 1,050 - - - - 1,800 750 1,180 - 310 105 (115) 2,230 1,450 2,450 120 - - - 1,150 3,510 (830) 440 108 (70) 2,250 5,535 - 80 550 108 -11 4,020 4,308 8,352 21 Q2 FY 23 VS Q2 FY 22 – INCOME AND EXPENSES BREAKUP (in INR Mn) INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP PARTICULARS Interest on Loans Interest on Investments Other Interest Income Q2 FY 23 9,553 2,134 125 Q2 FY 22 8,632 1,542 48 Total Interest Income 11,812 10,222 11% 38% 162% 16% Growth % PARTICULARS Q2 FY 23 Q2 FY 22 Growth % Int Exp on Deposits 5,528 5,367 3% - 605 72 6,133 5,439 13% Other Int Expenses Total Interest Expenses OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q2 FY 23 Q2 FY 22 Growth % PARTICULARS Q2 FY 23 Q2 FY 22 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 799 455 481 731 519 777 Total Other Income 1,735 2,027 9% - - - Employee Cost 1,412 1,270 11% Other Operating Ex

Modified Duration

- A F S - H T M - H FT - Overall Portfolio SEP 2022 146,275 1,623 147,898 5.84% 33,426 (23%) 114,472 (77%) - 147,898 0.99 4.38 - 3.63 SEP 2021 107,089 1,902 108,991 5.68% 10,966 (10%) 98,025 (90%) - 108,991 3.06 4.37 - 4.25 41 BRANCH NETWORK 4242 STRONG PRESENCE IN THE SOUTH As of Sept 2022 - 727 branches. 644 branches are located in South India out of which 495 in Tamil Nadu. 5 2 2 1 1 3 2 8 14 20 20 4 35 41 49 6 18 495 Branches 727 43 StateNo. of Branches% of Deposits% of Advances% of BusinessTamilnadu495816674Karnataka41655Andhrapradesh49275Telengana35364Maharashtra20333Kerala 18122Gujarat20142Others49375Total727 Be a part of the Digital Innovation “ Upgrading our banking to deliver an easy “ DO IT YOURSELF ” self banking operations with seamless digital platform 44 New Digital Product Offerings Product Offerings 01 02 03 04 05 New Initiatives UPI 123Pay DHI Credit Card Tap & Go Connected Banking Voice Biometric Products Whatsapp Banking Pay to Contact Scan & Pay/ QR Interoperable C

Email

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