City Union Bank Limited

rs 25

(E), Mumbai 400 051 Scrip Code: CUB Dear Madam / Sir, BSE Ltd. DCS - CRD, Phiroze Jeejeebhoy Towers 25th Floor, Dalal Street, Mumbai 4OO OOl Scrip Code: 532210 Sub: Investor Presentation - Q4 & FY 202

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 p

INR 63,526

tural sector. FACTS & FIGURES Position as on 31.03.2025 Deposits Advances Net Interest Margin INR 63,526 CR INR 53,066 CR 3.60% Net NPA 1.25% Employees 7,605 Branch 875 ATM’s 1,736 Efficiency r

INR 53,066

FACTS & FIGURES Position as on 31.03.2025 Deposits Advances Net Interest Margin INR 63,526 CR INR 53,066 CR 3.60% Net NPA 1.25% Employees 7,605 Branch 875 ATM’s 1,736 Efficiency ratio 47.77% 0

3.60%

Position as on 31.03.2025 Deposits Advances Net Interest Margin INR 63,526 CR INR 53,066 CR 3.60% Net NPA 1.25% Employees 7,605 Branch 875 ATM’s 1,736 Efficiency ratio 47.77% 05 KEY MI

1.25%

31.03.2025 Deposits Advances Net Interest Margin INR 63,526 CR INR 53,066 CR 3.60% Net NPA 1.25% Employees 7,605 Branch 875 ATM’s 1,736 Efficiency ratio 47.77% 05 KEY MILESTONES 1904 In

47.77%

R 53,066 CR 3.60% Net NPA 1.25% Employees 7,605 Branch 875 ATM’s 1,736 Efficiency ratio 47.77% 05 KEY MILESTONES 1904 Incorporation of the Bank 02 1957 Took over Common Wealth Bank Limi

rs 09

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

rs 06

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

23.75%

f which 550 are in Tamil Nadu alone ADEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 23.75% out of which Tier 1 constitutes 22.70% 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Features

1

Profitability and efficiency ratios

PARTICULARS Q4 FY 25 Q4 FY 24 FY 25 FY 24 Q3 FY 25 Return on Assets Net Interest Margin Return on Equity Earning per share 1.53% 3.60% 12.60% Rs.3.89 1.48% 3.66% 12.39% Rs.3.44 1.55% 3.60% 1.52% 3.65% 12.63% 12.86% Rs.15.17 Rs.13.72 1.57% 3.58% 12.64% Rs.3.86 • • • Gross NPA – 3.09% and Net NPA – 1.25% Provision Coverage Ratio - 78% (with TW) & 60% (without TW) CRAR – 23.75% (Basel III) of which core CRAR – 22.70% 11 Q4 FY 25 VS Q4 FY 24 PERFORMANCE – A SNAPSHOT 635,260 14% 556,566 Deposits 4,410 25% 3,518 Gross Profit 530,664 14% 464,815 Advances 2,880 13% 2,548 Net Profit 1,165,924 14% 1,021,381 Total Business 6,003 10% 5,466 Net Interest Income (in INR Mn) 181,189 6% 170,502 CASA 48.21% % 51.26 % Cost to Income 1.53% ROA 12.60% ROE 3.60 % NIM 3.09% Gross NPA 1.25% Net NPA 78% PCR (with TW) Q4 FY 25 Q4 FY 24 12 FY 25 VS FY 24 PERFORMANCE – A SNAPSHOT 635,260 14% 556,566 Deposits 16,786 11% 15,167 Gross Profit 530,664 14% 464,815 Advances 11,236 11% 10,157 Net Profit 1,165,924 14% 1,0

Provision for

- Tax - Bad Debts - Contingencies - Standard Assets - Restructuring - Others Total 750 780 - - - - 650 330 -20 40 -30 - 2,930 2,550 70 2,150 3,270 -170 -170 -70 - 750 750 - - - - 1,530 970 5,550 5,010 1,500 18 Q4 FY 25 VS Q4 FY 24 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q4 FY 25 Q4 FY 24 Growth % PARTICULARS Q4 FY 25 Q4 FY 24 Growth % Interest on Loans 12,432 10,806 15% Interest on Investments 2,714 2,518 8% Other Interest Income 181 417 -57% Total Interest Income 15,327 13,741 12% Int Exp on Deposits 8,764 7,574 16% Other Int Expenses 560 701 -20% Total Interest Expenses 9,324 8,275 13% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q4 FY 25 Q4 FY 24 Growth % PARTICULARS Q4 FY 25 Q4 FY 24 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 1,491 262 759 937 319 59% -18% 496 53% Total Other Income 2,512 1,752 43% Employee Cost 1,965 1,678 17% Other Operating Expenses 2,140 2,02

Modified Duration

- A F S - H T M - H F T - Overall Portfolio 171,855 1,606 173,461 28,354 143,654 1,453 173,461 4.38 3.70 1.69 3.80 The investment portfolio is classified as per the new RBI Master Direction on Classification, Valuation and Operation of investmentPortfolioofCommercialBanks(Directions)2023dated12thSeptember2023witheffectfrom1st April2024.Hence previousperiodclassificationisnotgiven. 33 TECHNOLOGY ADOPTION 3534 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) 35 39 CUB – CSK & SRH Credit Cards City Union Bank is proud to be the Official Credit Card Partner of Chennai Super Kings (CSK) and Official Banking Partner of Sunrisers Hyderabad (

Features

CSK/SRH merchandise & fan goodies. Official match day offers & discounts. Lounge access, insurance & fuel surcharge waiver. 4036 Strategic Partnerships Account Opening Digital Lending Payments API BANKING Correspondent Banking Customer Onboarding Digital Insurance 0 7 3937 Awards Received During Q4 City Union Bank has received Indian Banks’ Association (IBA) Technology Awards in all the Seven categories for the second year in a row 20th Banking Technology Conference, Expo & Citations, 2024 24th Jan 2025, Mumbai 4038 Awards Received During Q4 FINANCIAL EXPRESS FUTECH AWARDS 10th INNOVATIVE CIO AWARDS 2025 IBEX India 2025 BFSI Technology Awards Enhanced Customer Service Experience Most Innovative Use of Technology Best IT Risk & Cyber Security Initiatives Excellence in Operational Efficiencies 39 BRANCH NETWORK 40 PAN INDIA PRESENCE WITH STRONG FOOTHOLD IN THE SOUTH STATE TAMILNADU KARNATAKA ANDHRAPRADESH TELENGANA MAHARASHTRA GUJARAT RAJASTHAN KERALA UTTAR PRADESH OTHERS No. of Branches