City Union Bank Limited

rs,

ry and results may differ materially from these forward-looking statements due to a number of factors, including future changes or deve looking statements due to a number of factors, including future ch

INR 52,714

tural sector. FACTS & FIGURES Position as on 30.09.2023 Deposits Advances Net Interest Margin INR 52,714 CR 43,688 CR INR 43,688 CR 3.70% Net NPA 2.34% Employees 6,565 Branch 752 ATM’s 1,662 Ef

INR 43,688

GURES Position as on 30.09.2023 Deposits Advances Net Interest Margin INR 52,714 CR 43,688 CR INR 43,688 CR 3.70% Net NPA 2.34% Employees 6,565 Branch 752 ATM’s 1,662 Efficiency ratio 44.17% 0

3.70%

as on 30.09.2023 Deposits Advances Net Interest Margin INR 52,714 CR 43,688 CR INR 43,688 CR 3.70% Net NPA 2.34% Employees 6,565 Branch 752 ATM’s 1,662 Efficiency ratio 44.17% 05 KEY MI

2.34%

Deposits Advances Net Interest Margin INR 52,714 CR 43,688 CR INR 43,688 CR 3.70% Net NPA 2.34% Employees 6,565 Branch 752 ATM’s 1,662 Efficiency ratio 44.17% 05 KEY MILESTONES 1904 In

44.17%

R 43,688 CR 3.70% Net NPA 2.34% Employees 6,565 Branch 752 ATM’s 1,662 Efficiency ratio 44.17% 05 KEY MILESTONES 1904 Incorporation of the Bank 02 1957 Took over Common Wealth Bank Limi

rs 2014

g bank’s capital funds 2009 Rights Issue @ 1 : 4 - to reward the existing existing Shareholders 2014 Raised INR Rs.3,500 mn in Equity capital Through Through QIP route 12 12 10 10 10 10 11 09

Rs.3,500

ds 2009 Rights Issue @ 1 : 4 - to reward the existing existing Shareholders 2014 Raised INR Rs.3,500 mn in Equity capital Through Through QIP route 12 12 10 10 10 10 11 09 2012 2012 Rights Iss

rs 06

loyee Reservation Scheme” 2017 & 2018 Bonus issue @ 1 ; 10 – rewarded to the existing shareholders 06 CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME A SPECIALIZED BA

15%

ple consortium / multiple banking arrangements / infrastructure lending. 10-year CAGR of about 15% Consistent Return with Superior ROA, ROE 07 COMPETITIVE ADVANTAGES NETWORK • • Pan India pres

22.21%

in Tamil Nadu alone Tamil Nadu alone ADEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 22.21% out of which Tier 1 constitutes 21.17% 01 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MS

21.17%

DEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 22.21% out of which Tier 1 constitutes 21.17% 01 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME loan segments constitute about 48% o

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Profitability and efficiency ratios

PARTICULARS Q2 FY 24 Q2 FY 23 H1 FY 24 H1 FY 23 Q1 FY 24 FY 2023 Return on Assets Net Interest Margin 1.69% 3.74% 1.72% 4.09% 1.54% 3.70% 1.59% 4.02% 1.40% 3.67% 1.46% 3.89% Return on Equity 14.36% 15.98% 13.26% 14.80% 12.10% 13.42% Earning per share Rs.3.78 Rs.3.74 Rs.6.86 Rs.6.78 Rs.3.08 Rs.12.67 Gross NPA- 4.66% and Net NPA- 2.34% Provision Coverage Ratio - 71% (with TW) & 51% (without TW) CRAR – 22.21% (Basel III) of which core CRAR – 21.17% • • • • • • • 11 Q2 FY 24 VS Q2 FY 23 PERFORMANCE PERFORMANCE – A SNAPSHOT 527,140 6% 498,776 Deposits 3,886 4,565 Gross Profit Gross Profit 436,881 2% 2% 427,016 Advances 2,806 1% 2,765 Net Profit Net Profit 964,021 4% 925,792 Total Business 5,384 5,679 Net Interest Net Interest Income (in INR Mn) 155,903 156,094 CASA 46.34% % 38.43 % Cost to Income Cost to Income 1.69% ROA 14.36% ROE 3.74 % NIM 4.66 % Gross NPA 2.34% Net NPA 71 % PCR (with TW) Q2 FY 24 Q2 FY 23 12 H1 FY 24 VS H1 FY 23 PERFORMANCE PERFORMANCE – A SNAPSHOT 527,140 6% 498,776 De

Provision for

- Tax - Tax - Bad Debts - Contingency - Standard Assets - Restructuring Total 500 500 280 300 -30 10 750 750 750 750 1,050 1,050 - - - 850 850 2,680 -350 -210 -40 1,450 1,450 2,450 120 - - 2,400 2,400 6,900 -175 -200 -120 1,060 1,800 1,800 2,930 4,020 8,805 21 Q2 FY 24 VS Q2 FY 23 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS PARTICULARS Q2 FY 24 Q2 FY 24 Q2 FY 23 Q2 FY 23 Growth % Growth % PARTICULARS PARTICULARS Q2 FY 24 Q2 FY 24 Q2 FY 23 Q2 FY 23 Growth % Growth % Interest on Loans Interest on Investments Other Interest Income 10,280 2,393 367 9,553 2,134 8% 12% 125 192% Total Interest Income 13,040 11,812 10% Int Exp on Deposits 7,179 5,528 30% Other Int Expenses 477 605 -21% Total Interest Expenses 7,656 6,133 25% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q2 FY 24 Q2 FY 23 Growth % PARTICULARS Q2 FY 24 Q2 FY 23 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 866 268 687

Modified Duration

- A F S - H T M - H FT - Overall Portfolio Sep 2023 Sep 2023 155,826 1,245 157,071 6.19% 39,664 (25%) 117,407 (75%) - 157,071 0.80 3.63 - 2.92 Sep 2022 Sep 2022 146,275 1,623 147,898 5.84% 33,426 (23%) 114,472 (77%) - 147,898 0.99 4.38 - 3.63 38 INITIATIVES DIGITAL INITIATIVES 39 39 Product launch at Global Fintech Fest 2023 Product launch at Global Fintech Fest 2023 “Your voice is your password” Hello! UPI - Conversational Payment Aadhaar based PIN generation for UPI 123pay Conversational payments Using Alexa* * Under Beta CUB RuPay SELECT Debit Card 40 New products Launched Soft launch of Digital Lending - Instant Loans e-BG Loan Against Property Property MSME Up to 3Cr Up to 3Cr Housing Loan Issuing Electronic Bank Guarantee (e-BG) for our Guarantee (e-BG) for our Retail & Corporate Banking Customers and corporate 41 Strategic Partnerships Account Account Opening Opening Digital Lending Payments API BANKING API BANKING Correspondent Banking Customer Onboarding Digital Digital Insura