City Union Bank Limited

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dra (E), Mumbai 400 051 Scrip Code: CUB Madam / Sir, BSE Ltd. DCS - CRD, Phi roze Jeejeebhoy Towers 25th Floor, Dalal Street, Mumbai 400 001 Scrip Code: 5322LO Sub: Investor Presentation - Q4 & F'{ 20

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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

4%

,22,433 14,50,068 2,151 13,262 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years

16%

433 14,50,068 2,151 13,262 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progr

13%

14,50,068 2,151 13,262 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress

14%

,068 2,151 13,262 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in I

9%

13,262 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year

8%

62 246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year 2010

17%

246 2836 18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year 2010-11

2x

18,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year 2010-11 2011-12

10x

,145 10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year 2010-11 2011-12 2012-

6x

10,066 949 8894 1,94,500 1,04,582 4% 16% 13% 14% 13% 13% 9% 8% 17% 17% 2x 10x 6x 7x 7x 6x 4x 3x 11x 10x 6 15 years progress (in INR Mn) Year 2010-11 2011-12 2012-13

Profitability and efficiency ratios

1

Provision for

1

Investments Breakup

1

Modified Duration

1

Profitability and efficiency ratios

PARTICULARS Q4 FY 26 Q4 FY 25 FY 26 FY 25 Q3 FY 26 Return on Assets Net Interest Margin Return on Equity Earning per share 1.56% 3.87% 14.15% Rs.4.84 1.53% 3.60% 12.60% Rs.3.89 1.56% 3.74% 13.35% Rs.17.88 1.55% 3.60% 12.63% Rs.15.17 1.53% 3.89% 13.18% Rs.4.48 • • • Gross NPA –1.91% and Net NPA – 0.68% Provision Coverage Ratio - 84% (with TW) & 65% (without TW) CRAR – 21.92% (Basel III) of which core CRAR – 20.82% 15 Q4 FY 26 VS Q4 FY 25 PERFORMANCE – A SNAPSHOT 783,080 23% 635,260 Deposits 5,796 31% 4,410 Gross Profit 666,998 26% 530,664 Advances 3,596 25% 2,880 Net Profit 1,450,068 24% 1,165,923 Total Business 7,858 30% 6,003 Net Interest Income (in INR Mn) 216,441 19% 181,189 CASA 46.15% % 48.21 % Cost to Income 1.56% ROA 14.15% ROE 3.87% NIM 1.91% Gross NPA 0.68% Net NPA 84% PCR (with TW) Q4 FY 26 Q4 FY 25 16 FY 26 VS FY 25 PERFORMANCE – A SNAPSHOT 783,080 23% 635,260 Deposits 20,142 20% 16,786 Gross Profit 666,998 26% 530,664 Advances 13,262 18% 11,236 Net Profit 1,450,068 24% 1,16

Provision for

- Tax - Bad Debts - Standard Assets - Others Total 1,000 700 300 200 750 780 - - 3,450 2,540 590 300 2,930 2,550 70 850 740 220 - 2,200 1,530 6,880 5,550 1,810 22 Q4 FY 26 VS Q4 FY 25 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q4 FY 26 Q4 FY 25 Growth % PARTICULARS Q4 FY 26 Q4 FY 25 Growth % Interest on Loans 15,155 12,432 Interest on Investments 3,114 2,714 Other Interest Income 287 181 22% 15% 59% Total Interest Income 18,556 15,327 21% Int Exp on Deposits 9,973 8,764 14% Other Int Expenses 725 561 29% Total Interest Expenses 10,698 9,324 15% OTHER INCOME BREAKUP OPERATING EXPENSES BREAKUP PARTICULARS Q4 FY 26 Q4 FY 25 Growth % PARTICULARS Q4 FY 26 Q4 FY 25 Growth % CEB & Charges Treasury Income Other Inc incl recoveries in written off a/cs 287 880 1,737 1,491 17% 10% Employee Cost 2,346 1,965 19% 262 759 16% Other Operating Expenses 2,621 2,140 22% Total Other Income 2,905 2,512 16% Total Operating Expenses 4,967 4,106 21%

Investments Breakup

188,726 1,463 190,189 6.53% (in INR Mn) Mar-25 158,264 1,591 159,855 6.50% - A F S - H T M 54,843 (29%) 24,325 (15%) 134,090 (70%) 133,734 (83%) - FVTPL (including H F T) 1,256 (1%) 1,796 ( 2%) Total Investments

Modified Duration

- A F S - H T M - FVTPL (including H F T) - Overall Portfolio 190,189 159,855 3.01 4.63 1.12 4.15 3.90 3.22 6.53 3.32 37 TECHNOLOGY ADOPTION 3538 New Digital Offerings Product Offerings 01 02 03 04 05 New Initiatives CUB SalarySe BAPA (Banking as a Payment Aggregator) Interactive Smart Statement UPI Circle / UPI Help Multi Signatory (UPI) Products UPI Reserve Pay Co-Branded Credit Cards CUB Depend CUB Desire UPI ATM Technology/ Automation Data Analytics Voice Biometric Authentication AI/ Conversational BOT Digital Lending DIY Journey for Credit Cards 39 New Digital Offerings Account Opening Digital Lending Payments API BANKING Correspondent Banking Customer Onboarding Digital Insurance 0 7 40 Awards Received During Q4 Prestigious moment for City Union Bank by winning IBA Technology Awards across 6 categories at 21st Annual Technology Conference, Expo & Citations 2024–2025, 9th January 2026 in Mumbai. 0 7 41 BRANCH NETWORK 42 PAN INDIA PRESENCE WITH STRONG FOOTHOLD IN THE SOUTH STATE TA