City Union Bank Limited

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(E), Mumbai 400 051 Scrip Code: CUB Dear Madam / Sir, BSE Ltd. DCS _ CRD, Phiroze Jeejeebhoy Towers 25th Floor, Dalal Street, Mumbai 400 OO1 Scrip Code: 5322LO Sub: Investor Presentation - Ql FY 2026

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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 65,734

tural sector. FACTS & FIGURES Position as on 30.06.2025 Deposits Advances Net Interest Margin INR 65,734 CR INR 54,020 CR 3.54% Net NPA 1.20% Employees 7,725 Branch 876 ATM’s 1,776 Efficiency r

INR 54,020

FACTS & FIGURES Position as on 30.06.2025 Deposits Advances Net Interest Margin INR 65,734 CR INR 54,020 CR 3.54% Net NPA 1.20% Employees 7,725 Branch 876 ATM’s 1,776 Efficiency ratio 48.12% 0

3.54%

Position as on 30.06.2025 Deposits Advances Net Interest Margin INR 65,734 CR INR 54,020 CR 3.54% Net NPA 1.20% Employees 7,725 Branch 876 ATM’s 1,776 Efficiency ratio 48.12% 05 KEY MI

1.20%

30.06.2025 Deposits Advances Net Interest Margin INR 65,734 CR INR 54,020 CR 3.54% Net NPA 1.20% Employees 7,725 Branch 876 ATM’s 1,776 Efficiency ratio 48.12% 05 KEY MILESTONES 1904 In

48.12%

R 54,020 CR 3.54% Net NPA 1.20% Employees 7,725 Branch 876 ATM’s 1,776 Efficiency ratio 48.12% 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

23.10%

f which 551 are in Tamil Nadu alone ADEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 23.10% out of which Tier 1 constitutes 22.09% 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME

Profitability and efficiency ratios

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Provision for

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Investments Breakup

1

Modified Duration

1

Features

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Profitability and efficiency ratios

PARTICULARS Q1 FY 26 Q1 FY 25 FY 25 Q4 FY 25 Return on Assets Net Interest Margin Return on Equity Earning per share 1.55% 3.54% 12.85% Rs.4.13 1.51% 3.54% 12.45% Rs.3.57 1.55% 3.60% 12.63% Rs.15.17 1.53% 3.60% 12.60% Rs.3.89 • • • Gross NPA – 2.99% and Net NPA – 1.20% Provision Coverage Ratio - 79% (with TW) & 61% (without TW) CRAR – 23.10% (Basel III) of which core CRAR – 22.09% 11 Q1 FY 26 VS Q1 FY 25 PERFORMANCE – A SNAPSHOT 657,345 20% 548,569 Deposits 4,509 21% 3,735 Gross Profit 540,203 16% 465,479 Advances 3,059 16% 2,645 Net Profit 1,197,548 18% 1,014,048 Total Business 6,253 15% 5,452 Net Interest Income (in INR Mn) 179,505 11% 161,950 CASA 48.12 % % 49.34 % Cost to Income 1.55% ROA 12.85% ROE 3.54% NIM 2.99% Gross NPA 1.20% Net NPA 79% PCR (with TW) Q1 FY 26 Q1 FY 25 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% 1,021,381 Total Business 23,157 9% 2

Provision for

- Tax - Bad Debts - Others Total 750 700 - 700 320 70 1,450 1,090 2,930 2,550 70 5,550 750 780 - 1,530 19 Q1 FY 26 VS Q1 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q1 FY 26 Q1 FY 25 Growth % PARTICULARS Q1 FY 26 Q1 FY 25 Growth % Interest on Loans 12,902 10,865 19% Interest on Investments 2,864 2,621 9% Other Interest Income 287 400 -28% Total Interest Income 16,053 13,886 16% Int Exp on Deposits 9,414 7,670 23% Other Int Expenses 386 764 -49% Total Interest Expenses 9,800 8,434 16% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q1 FY 26 Q1 FY 25 Growth % PARTICULARS Q1 FY 26 Q1 FY 25 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 1,226 1,007 22% 644 569 172 274% 742 -23% Total Other Income 2,439 1,921 27% Employee Cost 2,006 1,744 15% Other Operating Expenses 2,177 1,894 15% Total Operating Expenses 4,183 3,638 15% 20 FY 25 VS FY 24 – INCOME AND EXPENSES BREAKUP INTERE

Investments Breakup

- A F S - H T M 167,738 7,220 174,958 6.45% 158,617 1,535 160,152 6.48% 36,191 (21%) 23,708 (15%) 131,032 (75%) 133,782 (84%) - FVTPL (including H F T) 7,735 (4%) 2,662 (1%) Total Investments

Modified Duration

- A F S - H T M - FVTPL (including H F T) - Overall Portfolio 174,958 160,152 2.69 3.91 3.48 3.65 1.46 3.41 5.13 3.15 34 TECHNOLOGY ADOPTION 3535 New Digital Offerings Product Offerings 01 02 03 04 05 New Initiatives Loan Against Securities UPI Circle/ UPI Lite Credit Card on UPI Credit Line on UPI National Common Mobility Card (NCMC) Products Co-Branded Credit Cards UPI ATM Pay to Contact eBG Whatsapp Banking Technology/ Automation Data Analytics Voice Biometric Authentication AI/ Conversational BOT Digital Lending Mobile Banking Security (napID) 36 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 (SRH)

Features

CSK/SRH merchandise & fan goodies. Official match day offers & discounts. Lounge access, insurance & fuel surcharge waiver. 4037 Strategic Partnerships Account Opening Digital Lending Payments API BANKING Correspondent Banking Customer Onboarding Digital Insurance 0 7 3938 Awards Received During Q1 City Union Bank has been awarded 2nd Position in the Private Sector Bank category for Outstanding Performance in Digital Payments at the Digital Payments Awards 2024–25 Award received by Dr. N. Kamkodi, MD & CEO, from the Hon’ble Finance Minister, Smt. Nirmala Sitharaman at the function organised by DFS, Government of India 4039 Awards Received During Q1 City Union Bank has won 3 Awards across various Categories in 4th IBA CISO Summit & Citations 2025 4040 Awards Received During Q1 City Union Bank has won 2 Awards @ ET Edge DataCon Summit & Awards 2025 India Banking Summit (IBS) & Awards, 2025 by Synnex BFSI CXO Awards & 14th CISO - Cyber Pioneers Awards & Conference 2025 41 BRANCH NETWORK 4