City Union Bank Limited

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(E), Mumbai 4OO 051 Scrip Code: CUB Dear Madam / Sir, BSE Ltd. DCS - CRD, Phiroze Jeejeebhoy Towers 25th Floor, Dalal Street, Mumbai 400 001 Scrip Code: 532210 Sub: Investor Presentation - Q2 FY 2026

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 69,486

tural sector. FACTS & FIGURES Position as on 30.09.2025 Deposits Advances Net Interest Margin INR 69,486 CR INR 57,561 CR 3.59% * Net NPA 0.90% Employees 7,969 Branch 889 ATM’s 1,709 Efficiency

INR 57,561

FACTS & FIGURES Position as on 30.09.2025 Deposits Advances Net Interest Margin INR 69,486 CR INR 57,561 CR 3.59% * Net NPA 0.90% Employees 7,969 Branch 889 ATM’s 1,709 Efficiency ratio 48.66%

3.59%

Position as on 30.09.2025 Deposits Advances Net Interest Margin INR 69,486 CR INR 57,561 CR 3.59% * Net NPA 0.90% Employees 7,969 Branch 889 ATM’s 1,709 Efficiency ratio 48.66% * As defi

0.90%

0.09.2025 Deposits Advances Net Interest Margin INR 69,486 CR INR 57,561 CR 3.59% * Net NPA 0.90% Employees 7,969 Branch 889 ATM’s 1,709 Efficiency ratio 48.66% * As defined in RBI Glossar

48.66%

57,561 CR 3.59% * Net NPA 0.90% Employees 7,969 Branch 889 ATM’s 1,709 Efficiency ratio 48.66% * As defined in RBI Glossary at https://www.rbi.org.in/scripts/glossary.aspx 06 KEY MILESTONES

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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 07 CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME SME / MSME focu

21.68%

f which 557 are in Tamil Nadu alone ADEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 21.68% out of which Tier 1 constitutes 20.71% 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME

20.71%

DEQUATELY CAPITALISED • Strong Capital Adequacy ratio of 21.68% out of which Tier 1 constitutes 20.71% 01 02 MSME / TRADING PORTFOLIO 03 • Trading and MSME loan segments constitute about 42% of

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Profitability and efficiency ratios

PARTICULARS Q2 FY 26 Q2 FY 25 H1 FY 26 H1 FY 25 Q1 FY 26 FY 25 Return on Assets Net Interest Margin Return on Equity Earning per share 1.59% 3.63% 1.59% 3.67% 1.57% 3.59% 1.55% 3.60% 1.55% 3.54% 1.55% 3.60% 13.35% 12.93% 13.15% 12.74% 12.85% 12.63% Rs.4.43 Rs.3.85 Rs.8.56 Rs.7.42 Rs.4.13 Rs.15.17 • • • Gross NPA – 2.42% and Net NPA – 0.90% Provision Coverage Ratio - 82% (with TW) & 63% (without TW) CRAR – 21.68% (Basel III) of which core CRAR – 20.71% 12 Q2 FY 26 VS Q2 FY 25 PERFORMANCE – A SNAPSHOT 694,860 21% 573,691 Deposits 4,706 10% 4,282 Gross Profit 575,612 18% 487,220 Advances 3,286 15% 2,852 Net Profit 1,270,472 20% 1,060,911 Total Business 6,665 14% 5,825 Net Interest Income (in INR Mn) 195,369 16% 168,934 CASA 49.16% % 47.06 % Cost to Income 1.59% ROA 13.35% ROE 3.63% NIM 2.42% Gross NPA 0.90% Net NPA 82% PCR (with TW) Q2 FY 26 Q2 FY 25 13 H1 FY 26 VS H1 FY 25 PERFORMANCE – A SNAPSHOT 694,860 21% 573,691 Deposits 9,215 15% 8,017 Gross Profit 575,612 18% 487,220 Advances 6,34

Provision for

- Tax - Bad Debts - Standard Assets - ECL contingency provision - Others Total 850 400 70 100 - 730 700 - - - 1.600 1,100 70 100 - 1,430 1,020 - - 70 750 700 - - - 1,420 1,430 2,870 2,520 1,450 22 Q2 FY 26 VS Q2 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q2 FY 26 Q2 FY 25 Growth % PARTICULARS Q2 FY 26 Q2 FY 25 Growth % Interest on Loans 13,318 11,435 16% Interest on Investments 2,876 2,710 6% Other Interest Income 338 195 73% Total Interest Income 16,532 14,340 15% Int Exp on Deposits 9,535 7,950 20% Other Int Expenses 331 565 -41% Total Interest Expenses 9,866 8,515 16% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q2 FY 26 Q2 FY 25 Growth % PARTICULARS Q2 FY 26 Q2 FY 25 Growth % CEB & Charges Treasury Income 1,346 1,046 29% 216 248 -13% Other Inc incl recoveries in written off a/cs 1,029 969 6% Total Other Income 2,591 2,263 14% Employee Cost 2,244 1,835 22% Other Operating Expenses 2,306 1,971 17% Total

Investments Breakup

Sep-25 173,850 1,657 175,507 6.44% (in INR Mn) Sep-24 162,977 1,600 164,577 6.51% - A F S - H T M 41,331 (23%) 24,256 (15%) 132,627 (76%) 137,696 (83%) - FVTPL (including H F T) 1,549 (1%) 2,625 ( 2%) Total Investments

Modified Duration

- A F S - H T M - FVTPL (including H F T) - Overall Portfolio 175,507 164,577 3.16 4.00 1.77 3.79 3.65 3.18 4.73 3.27 38 TECHNOLOGY ADOPTION 3539 New Digital Offerings Product Offerings 01 02 03 04 05 New Initiatives CUB DESIRE UPI Circle/ UPI HELP CUB DEPEND - Credit Card on UPI Credit Line on UPI National Common Mobility Card (NCMC) Products Whatsapp Banking Co-Branded Credit Cards MSME Corporate card eBG UPI ATM Technology/ Automation Data Analytics Voice Biometric Authentication AI/ Conversational BOT Digital Lending New Digital Payments UPI Multi signatory IOT Based UPI Payments Biometric Authenticated UPI Payment UPI Reserve Pay Mobile Banking Security (napID) UPI QR Transactions at Micro ATM 40 39 Strategic Partnerships Account Opening Digital Lending Payments API BANKING Correspondent Banking Customer Onboarding Digital Insurance 07 3941 0 7 Awards Received During Q2 6th Insights CXO Awards & Symposium 2025 Cyber Security Conference & Awards 2025 Won two awards for India Custom