City Union Bank Limited

rs,

Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the bank’s business, its competitive environment and pol

INR 49,997

m and long term loans to agricultural sector. FACTS & FIGURES Position as on 31.12.2022 Deposits INR 49,997 CR Advances INR 43,009CR Net Interest Margin 3.97% Net NPA 2.67% ATM’s 1,681 Branches 752 Emp

INR 43,009

agricultural sector. FACTS & FIGURES Position as on 31.12.2022 Deposits INR 49,997 CR Advances INR 43,009CR Net Interest Margin 3.97% Net NPA 2.67% ATM’s 1,681 Branches 752 Employees 5,655 Efficienc

3.97%

URES Position as on 31.12.2022 Deposits INR 49,997 CR Advances INR 43,009CR Net Interest Margin 3.97% Net NPA 2.67% ATM’s 1,681 Branches 752 Employees 5,655 Efficiency Ratio 38.12% 5 KEY MILEST

2.67%

s on 31.12.2022 Deposits INR 49,997 CR Advances INR 43,009CR Net Interest Margin 3.97% Net NPA 2.67% ATM’s 1,681 Branches 752 Employees 5,655 Efficiency Ratio 38.12% 5 KEY MILESTONES Scheduled

38.12%

Interest Margin 3.97% Net NPA 2.67% ATM’s 1,681 Branches 752 Employees 5,655 Efficiency Ratio 38.12% 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

20.47%

ches) of which 519 are in Tamil Nadu alone ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.47% out of whichTier 1 constitutes 19.41% MSME / TRADING PORTFOLIO Trading and MSME loan segments con

19.41%

one ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 20.47% out of whichTier 1 constitutes 19.41% MSME / TRADING PORTFOLIO Trading and MSME loan segments constitute about 50% of advances STRONG

“Customers will be benefitted in quick process of their various banking needs / products.”

Profitability and efficiency ratios

1

Provision for

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Investments Breakup

1

Modified Duration

1

Email

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Profitability and efficiency ratios

Return on Assets Net Interest Margin Return on Equity Earning per share Q3 FY 23 Q3 FY 22 9M FY 23 9M FY 22 FY 2021-22 1.34% 3.88% 12.21% Rs.2.94 1.36% 4.00% 12.49% Rs.2.65 1.51% 3.97% 13.90% Rs.9.73 1.32% 3.97% 12.06% Rs.7.46 1.35% 3.98% 12.31% Rs.10.29 Gross NPA – 4.62% and Net NPA – 2.67% Provision Coverage Ratio – 67 % CRAR – 20.47% (Basel III) of which core CRAR – 19.41% 11 Q3 FY 23 VS Q3 FY 22 PERFORMANCE – A SNAPSHOT (in INR Mn) 499,974 7% 467,217 Deposits 4,973 35% 3,696 Gross Profit 430,087 12% 383,871 Advances 2,178 11% 1,961 Net Profit 930,061 9% 851,088 Total Business 5,557 13% 4,900 Net Interest Income 146,055 5% 139,184 CASA 36.24% % 43.13% Cost to Income 1.34% ROA 12.21% ROE 3.88% NIM 4.62% Gross NPA 2.67% Net NPA Q3 FY 23 Q3 FY 22 12 9M FY 23 VS 9M FY 22 PERFORMANCE – A SNAPSHOT (in INR Mn) 499,974 7% 467,217 Deposits 14,009 21% 11,555 Gross Profit 430,087 12% 383,871 Advances 7,194 31% 5,512 Net Profit 930,061 9% 851,088 Total Business 16,485 16% 14,158 Net Interest In

Provision for

- Tax - Bad Debts - Covid 19 - Standard Assets - Restructuring / FITL - Others Total 550 2,700 (250) (150) - (55) 500 875 300 10 - 50 2,000 5,150 (130) (150) - (55) 1,650 4,385 (530) 450 108 (20) 2,250 5,535 - 80 550 107 -11 2,795 1,735 6,815 6,043 8,351 21 Q3 FY 23 VS Q3 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 Q3 FY 23 9,695 2,168 193 Q3 FY 22 8,646 1,656 51 Total Interest Income 12,056 10,353 Growth % PARTICULARS 12% 31% 283% 16% Int Exp on Deposits Other Int Expenses Total Interest Expenses Q3 FY 23 Q3 FY 22 Growth % 5,732 767 6,499 5,272 9% 181 324% 5,453 19% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q3 FY 23 Q3 FY 22 Growth % PARTICULARS Q3 FY 23 Q3 FY 22 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs Total Other Income 803 353 1,087 2,243 721 410 469 11% -14% 132% Employee Cost 1,268 1,338 -5%

Modified Duration

- A F S - H T M - H FT - Overall Portfolio Dec 2022 143,633 919 144,552 5.86% 30,085 (21%) 114,467 (79%) - 144,552 0.84 4.20 - 3.51 Dec 2021 118,657 2,143 120,800 5.72% 18,150 (15%) 102,650 (85%) - 120,800 2.24 4.26 - 3.98 41 BRANCH NETWORK 4242 STRONG PRESENCE IN THE SOUTH As of Dec 2022 - 752 branches. 669 branches are located in South India out of which 519 in Tamil Nadu. We have opened our 500th branch inTamil Nadu. 1 6 2 8 14 20 20 5 2 2 1 1 4 36 41 49 6 18 519 State No. of % of % of % of Branches Deposits Advances Business Ta mi l na du Ka rna ta ka Andhra pra des h Tel enga na Ma ha ra s htra Kera l a Guja ra t Others Total 519 81 67 74 41 49 36 20 18 20 49 752 6 2 3 3 1 1 3 5 7 6 3 2 3 7 5 5 4 3 2 2 5 Branches 752 43 DIGITAL INITIATIVES 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 Technology/ Automation Whatsapp Banking Pay to Contact Scan & Pay/ QR Interoperable

Email

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