City Union Bank Limited

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(E), Mumbai 40O 051 Scrip Code: CUB Dear Madam / Sir, BSE Ltd. DCS _ CRD, Phiroze Jeejeebhoy Towers 25!h Floor, Dalal Street, Mumbai 4OO 0Ol Scrip Code: 5322LO Sub: Investor Presentation - Q3 FY 2025

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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 p

INR 58,271

tural sector. FACTS & FIGURES Position as on 31.12.2024 Deposits Advances Net Interest Margin INR 58,271 CR INR 50,409 CR 3.59% Net NPA 1.42% Employees 7,578 Branch 822 ATM’s 1693 Efficiency ra

INR 50,409

FACTS & FIGURES Position as on 31.12.2024 Deposits Advances Net Interest Margin INR 58,271 CR INR 50,409 CR 3.59% Net NPA 1.42% Employees 7,578 Branch 822 ATM’s 1693 Efficiency ratio 47.61% 05

3.59%

Position as on 31.12.2024 Deposits Advances Net Interest Margin INR 58,271 CR INR 50,409 CR 3.59% Net NPA 1.42% Employees 7,578 Branch 822 ATM’s 1693 Efficiency ratio 47.61% 05 KEY MIL

1.42%

31.12.2024 Deposits Advances Net Interest Margin INR 58,271 CR INR 50,409 CR 3.59% Net NPA 1.42% Employees 7,578 Branch 822 ATM’s 1693 Efficiency ratio 47.61% 05 KEY MILESTONES 1904 Inc

47.61%

NR 50,409 CR 3.59% Net NPA 1.42% Employees 7,578 Branch 822 ATM’s 1693 Efficiency ratio 47.61% 05 KEY MILESTONES 1904 Incorporation of the Bank 02 1957 Took over Common Wealth Bank Limi

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rengthening bank’s capital funds 2009 Rights Issue @ 1 : 4 - to reward the existing Shareholders 09 2014 Raised INR Rs.3,500 mn in Equity capital Through QIP route 12 2024 Introduction of Digital

Rs.3,500

al funds 2009 Rights Issue @ 1 : 4 - to reward the existing Shareholders 09 2014 Raised INR Rs.3,500 mn in Equity capital Through QIP route 12 2024 Introduction of Digital Lending Process 11 201

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er “Employee Reservation Scheme” 2018 Bonus issue @ 1 ; 10 – rewarded to the existing shareholders 06 CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME SME / MSME focu

15%

to 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

22.26%

f which 533 are in Tamil Nadu alone ADEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 22.26% out of which Tier 1 constitutes 21.29% 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Profitability and efficiency ratios

PARTICULARS Q3 FY 25 Q3 FY 24 9M FY 25 9M FY 24 Q2 FY 25 FY 24 Return on Assets Net Interest Margin 1.57% 3.58% 1.49% 3.50% 1.56% 3.59% 1.52% 3.63% 1.59% 3.67% 1.52% 3.65% Return on Equity 12.64% 12.57% 12.68% 13.00% 12.93% 12.86% Earning per share Rs.3.86 Rs.3.42 Rs.11.28 Rs.10.28 Rs.3.85 Rs.13.72 Gross NPA – 3.36% and Net NPA – 1.42% Provision Coverage Ratio - 77% (with TW) & 59% (without TW) CRAR - 22.26 % (Basel III) of which core CRAR - 21.29 % • • • • • • • 11 Q3 FY 25 VS Q3 FY 24 PERFORMANCE – A SNAPSHOT 582,713 11% 527,264 Deposits 4,360 20% 3,641 Gross Profit 504,093 15% 440,173 Advances 2,860 13% 2,531 Net Profit 1,086,806 12% 967,437 Total Business 5,877 14% 5,159 Net Interest Income (in INR Mn) 161,319 5% 153,589 CASA 46.58 % % 48.64 % Cost to Income 1.57% ROA 12.64% ROE 3.58 % NIM 3.36% Gross NPA 1.42% Net NPA 77% PCR (with TW) Q3 FY 25 Q3 FY 24 12 9M FY 25 VS 9M FY 24 PERFORMANCE – A SNAPSHOT 582,713 11% 527,264 Deposits 12,376 6% 11,649 Gross Profit 504,093 15% 440,173 A

Provision for

- Tax - Bad Debts - Contingencies - Standard Assets - Restructuring - Others Total 750 750 - - - - 650 260 200 - - - 2,180 1,770 70 - - - 1,500 2,940 (190) (210) - - 2,150 3,270 -170 -170 -70 - 1,500 1,110 4,020 4,040 5,010 21 Q3 FY 25 VS Q3 FY 24 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q3 FY 25 Q3 FY 24 Growth % PARTICULARS Q3 FY 25 Q3 FY 24 Growth % Interest on Loans 11,990 10,359 16% Interest on Investments 2,689 2,465 9% Other Interest Income 108 438 -75% Total Interest Income 14,787 13,262 11% Int Exp on Deposits 8,390 7,396 13% Other Int Expenses 520 707 -26% Total Interest Expenses 8,910 8,103 10% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q3 FY 25 Q3 FY 24 Growth % PARTICULARS Q3 FY 25 Q3 FY 24 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 1,114 178 992 912 242 22% -27% 775 28% Total Other Income 2,284 1,929 18% Employee Cost 1,785 1,556 15% Other Operating Ex

Modified Duration

- A F S - H T M - H F T - Overall Portfolio DEC-2024 158,264 1,591 159,855 6.50% 24,325 (15%) 133,734 (83%) 1,796 (2%) 159,855 3.90 3.22 6.53 3.32 The investment portfolio is classified as per the new RBI Master Direction on Classification, Valuation and Operation of investmentPortfolioofCommercialBanks(Directions)2023dated12thSeptember2023witheffectfrom1st April2024.Hence previousperiodclassificationisnotgiven. 37 TECHNOLOGY ADOPTION 3538 Digital Offerings Product Offerings 01 02 03 04 05 New Initiatives Products Loan Against Securities Whatsapp Banking UPI Circle / UPI Lite Credit Card on UPI ONDC for MSME & Retail National Common Mobility Card (NCMC) Credit Line on UPI Pay to Contact e - BG UPI ATM Technology/ Automation Data Analytics Voice Biometric Authentication AI/ Conversational BOT Digital Lending Mobile Banking Security (napID) 39 39 Strategic Partnerships Account Opening Digital Lending Payments API BANKING Correspondent Banking Customer Onboarding Digital Insurance 0 7 394