City Union Bank Limited

rs,

general business plan’s and future developments in the industry statements due to a number of factors, including future changes or developments political, economic, legal and social conditions in India.

INR 52,398

asset profile including providing short term FACTS & FIGURES Position as on 31.03.2023 Deposits INR 52,398 CR INR 52,398 CR Advances INR 43,971CR INR 43,971CR INR 43,971CR INR 43,971CR Net Interest Margin

INR 43,971

rt term FACTS & FIGURES Position as on 31.03.2023 Deposits INR 52,398 CR INR 52,398 CR Advances INR 43,971CR INR 43,971CR INR 43,971CR INR 43,971CR Net Interest Margin 3.89% 3.89% Net NPA 2.36% ATM’s 1

3.89%

CR INR 52,398 CR Advances INR 43,971CR INR 43,971CR INR 43,971CR INR 43,971CR Net Interest Margin 3.89% 3.89% Net NPA 2.36% ATM’s 1,678 Branches 752 Employees 6,019 Efficiency Ratio 38.85% 5 KE

2.36%

ces INR 43,971CR INR 43,971CR INR 43,971CR INR 43,971CR Net Interest Margin 3.89% 3.89% Net NPA 2.36% ATM’s 1,678 Branches 752 Employees 6,019 Efficiency Ratio 38.85% 5 KEY MILESTONES Scheduled

38.85%

t Margin 3.89% 3.89% Net NPA 2.36% ATM’s 1,678 Branches 752 Employees 6,019 Efficiency Ratio 38.85% 5 KEY MILESTONES Scheduled bank since 22.03.1945 Amalgamation of ‘TheCity Forward Bank Limit

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 2012 2014 2017 2017 & 2018 Incorporation of

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 BANKING MODEL

100%

d recruitment infrastructure through staff training college staff training college All branches and 100% business under CBS fromTCS 10 year CAGR of 20%+ Consistent Return with Superior ROA, ROE 7 COMP

20%

ng college staff training college All branches and 100% business under CBS fromTCS 10 year CAGR of 20%+ Consistent Return with Superior ROA, ROE 7 COMPETITIVE ADVANTAGES NETWORK Pan India presence

22.34%

in Tamil Nadu alone ADEQUATELY CAPITALISED ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 22.34% out of whichTier 1 constitutes 21.27% MSME / TRADING PORTFOLIO Trading and MSME loan segments con

21.27%

ISED ADEQUATELY CAPITALISED Strong Capital Adequacy ratio of 22.34% out of whichTier 1 constitutes 21.27% MSME / TRADING PORTFOLIO Trading and MSME loan segments constitute about 50% of advances STRONG

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Email

1

Profitability and efficiency ratios

PARTICULARS PARTICULARS Q4 FY 23 Q4 FY 23 Q4 FY 22 Q4 FY 22 23 FY 2022-23 23 FY 2022-23 FY 2021-22 FY 2021-22 Return on Assets Net Interest Margin Return on Equity Earning per share 1.33% 3.65% 12.10% Rs.2.95 1.42% 4.01% 13.15% Rs.2.83 1.46% 3.89% 1.35% 3.98% 13.42% 13.42% 12.31% Rs.12.67 Rs.12.67 Rs.10.29 Gross NPA – 4.37% and Net NPA – 2.36% 69 % (with TW) & 47% (without TW) Provision Coverage Ratio – 69 % (with TW) & 47% (without TW) CRAR – 22.34% (Basel III) of which core CRAR – 21.27% 11 Q4 FY 23 VS Q4 FY 22 PERFORMANCE – A SNAPSHOT Q4 FY 23 VS Q4 FY 22 PERFORMANCE (in INR Mn) 523,979 10% 476,897 Deposits 4,170 4,170 4,398 Gross Profit 439,708 7% 411,560 Advances 2,180 2,180 4% 2,089 Net Profit 963,687 8% 888,457 Total Business 5,143 5,143 3% 5,007 Net Interest Income 156,569 1% 155,294 CASA 41.20% 41.20% % 37.49 % Cost to Income 1.33% ROA 12.10% ROE 3.65% 3.65% NIM NIM 4.37% Gross NPA 2.36% Net NPA Q4 FY 23 Q4 FY 22 12 A SNAPSHOT FY 23 VS FY 22 PERFORMANCE – A SNAPSHOT (in INR Mn

Provision for

- Tax - Bad Debts - Contingency / Covid 19 - Standard Assets - Restructuring / FITL - Restructuring / FITL - Others Total 400 1,750 - -50 -120 -120 10 600 1,150 450 100 - - 9 2,400 6,900 -130 -200 -120 -120 -45 2,250 5,535 - 80 550 107 107 -11 1,990 2,309 8,805 8,351 18 Q4 FY 23 VS Q4 FY 22 – INCOME AND EXPENSES EXPENSES BREAKUP (in INR Mn) INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP PARTICULARS Interest on Loans Interest on Investments Other Interest Income Q4 FY 23 9,743 2,155 383 Q4 FY 22 8,702 1,745 52 Total Interest Income Total Interest Income 12,281 12,281 10,499 10,499 Growth % PARTICULARS Q4 FY 23 Q4 FY 22 Growth % 12% 23% 628% 17% 17% Int Exp on Deposits 6,351 5,153 23% Other Int Expenses Total Interest Expenses Expenses 787 340 130% 7,138 7,138 5,493 5,493 30% 30% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q4 FY 23 Q4 FY 22 Growth % PARTICULARS Q4 FY 23 Q4 FY 22 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 885 22

Modified Duration

- A F S - H T M - H FT - Overall Portfolio 142,678 924 143,602 29,955 (21%) 113,647 (79%) 143,602 0.62 4.10 - 3.37 121,365 1,578 122,943 5.71% 16,844 (14%) 106,099 (86%) - 122,943 2.01 4.14 - 3.87 37 DIGITAL INITIATIVES DIGITAL INITIATIVES DIGITAL INITIATIVES DIGITAL INITIATIVES 3838 New Digital Product Offerings Product Offerings 01 02 02 03 04 05 New Initiatives Products Technology/ Automation Voice Biometric RBI RBI Innovation Hub Innovation Hub (15G (15G /15H) /15H) DHI Credit Card Tap & Go Connected Banking BBPS Pay to Pay Contact Contact Scan & Pay/ QR Interoperable Card-less Cash Withdrawal Video KYC AI/ AI/ Conversational Conversational BOT BOT API/Robotic Process Automation Digital Lending Whatsapp Banking Data Analytics Recent Awards Recent Awards Strategic Partnerships Account Account Opening Opening Digital Digital Lending Payments Payments API BANKING API BANKING Correspondent Banking Customer Onboarding Digital Digital Insurance Insurance NETWORK BRANCH NETWORK NETWORK BR

Email

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