City Union Bank Limited · NSE:CUB
City Union Bank — Q2 FY2027 Earnings Presentation
50 slides from City Union Bank's earnings presentation, Oct 28, 2026
Slide 1: Exchange filing cover letter: Investor Presentation Q2 & H1 FY 2027
trITY UNItrN Barur LIvITED clN : 1651 1 OTN1 904P1C001287 trUB lnusIAXO EICELLETCE Regd. Office: 149, T.S.R.(Big) Street, Kumbakonam - 612 001. Thanjavur District. Tamil Nadu. Telephone No : 0435 - 24A?322 8r[cE tsrx E-mail : [email protected] Website : wwwcityunionbank.bank.in C.O /'Shares /
Slide 2: Investor Presentation September 2026
Investor Presentation SEPTEMBER 2026
Slide 3: Disclaimer
Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness, or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certai
Slide 4: Table of contents
Table of contents 1 Overview 6 Technology Adoption 2 Q2 FY 2027 snapshots 7 Bank's network 3 Performance overview 8 Shareholding Pattern 4 Liability & Assets portfolio 9 Corporate Governance 5 Asset Quality metrics 10 Contact details 3
Slide 5: Overview
City UNION BANK Overview
Slide 6: Key Strengths
Key Strengths SME / MSME Focus PAN-India Presence • Nurturing the SMEs & MSMEs through the need based funding requirements. • Initially focus on empowering the farmers and traders of the cauvery delta Granular lending strategy – fully collateralized region. • ~39% of the loan book constitutes this s
Slide 7: Credit rating
Credit rating CRISIL ICRA ICRA CARE Edge AA Issuer Rating AA A1+ BASEL III Tier II Bonds AA – Certificate of Deposits (CD) Issuer Rating A1+ Certificate of Deposits (CD) 6 6
Slide 8: Performance Snapshot
Q2 FY 27 PERFORMANCE SNAPSHOT 7
Slide 9: Q2 FY 27 Performance overview
Q2 FY 27 Performance overview Deposits increased by 21% from Rs. 695 Bn to Rs. 839 Bn Y-o-Y ROA stood at 1.62% - our long term average 1.50+ Advances registered a growth of 26% from Rs.576 Bn to Rs.724 Bn ROE stood at 15.01% Y-o-Y The total business grew by 23% from Rs.1,270 Bn to Rs.1,563 Bn NIM ha
Slide 10: Q2 FY 27 Snapshot
Q2 FY 27 Snapshot (in INR Mn) Deposits Advances Total Business CASA 838,931 724,415 1,563,346 223,502 BUSINESS 21% 26% 23% 14% 694,860 575,612 1,270,472 195,369 NII Gross Profit Provisions Net Profit 8,728 6,609 2,450 4,159 PROFITABILITY 31% 40% 73% 27% 6,665 4,706 1,420 3,286 RATIOS 1.62% 15.01% 3.
Slide 11: Income statement
Income statement (in INR Mn) Particulars Q2 FY 2027 Q2 FY 2026 Growth H1 FY 2027 H1 FY 2026 Growth FY 2026 Interest Income 20,923 16,531 27% 40,772 32,585 25% 68,698 Interest Expenses 12,195 9,866 24% 23,843 19,666 21% 40,399 Net Interest Income 8,728 6,665 31% 16,929 12,919 31% 28,299 Other Income
Slide 12: Provisions & Contingencies Breakup
Provisions & Contingencies Breakup (in INR Mn) PARTICULARS Q2 FY 2027 Q2 FY 2026 H1 FY 2027 H1 FY 2026 FY 2026 Provision for: - Tax 1,250 850 2,450 1,600 3,450 - Bad Debts 600 400 1,200 1,100 2,540 - Standard Assets 90 70 270 70 590 - Contingencies Provision 500 100 500 100 300 - Others Provisions 1
Slide 13: Income & Expenses breakup – Q2 FY 27 vs Q2 FY 26
Income & Expenses breakup – Q2 FY 27 Vs Q2 FY 26 INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) Growth Growth PARTICULARS Q2 FY 27 Q2 FY 26 PARTICULARS Q2 FY 27 Q2 FY 26 % % Interest on Loans 17,129 13,318 29% Int Exp on Deposits 11,279 9,535 18% Interest on Investments 3,284 2,876 14
Slide 14: Balance Sheet
Balance Sheet (in INR Mn) Particulars Q2 FY 2027 Q2 FY 2026 FY 2026 FY 2025 Share Capital 991 741 743 741 Reserves and Surplus 1,10,934 98,519 1,04,906 93,925 Deposits 8,38,931 6,94,860 7,83,080 6,35,260 Borrowings 52,804 21,827 53,268 21,694 Other Liabilities & Provisions 30,964 28,077 28,247 24,61
Slide 15: Capital Adequacy
Capital Adequacy Position as on 30th September 2026 (in INR Mn) Sep-26 Sep-25 Mar’26 Credit Risk 4,77,631 3,79,251 4,30,143 Market Risk 1,505 1,472 1,402 Operational Risk 59,351 54,311 54,311 Total Risk Weight 5,38,487 4,35,034 4,85,856 Tier-I Capital 1,10,019 90,104 1,01,161 Tier-II Capital 4,459 4
Slide 16: Key Financial Indicators
Key Financial Indicators PARTICULARS Q2 FY 27 Q2 FY 26 H1 FY 27 H1 FY 26 FY 26 Cost of Deposits 5.56% 5.71% 5.56% 5.83% 5.70% Yield on Advances 9.85% 9.66% 9.82% 9.73% 9.75% Yield on Investments 6.56% 6.43% 6.49% 6.44% 6.53% Net Interest Margin 3.87% 3.63% 3.83% 3.59% 3.74% Cost to Income 45.96% 49.
Slide 17: Performance Overview
CA City UNION BANK PERFORMANCE OVERVIEW
Slide 18: Deposits and advances growth – over the years
Deposits and advances growth – over the years (in INR Mn) DEPOSITS 8,38,931 ADVANCES 7,83,080 7,24,415 6,66,988 6,35,260 5,56,566 5,30,664 5,23,979 4,76,897 4,64,815 4,11,560 4,39,708 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 BUSINESS CASA 15,63,346 14,50,06
Slide 19: Income growth - over the years
Income growth - over the years (in INR Mn) NET INTEREST INCOME OTHER INCOME 28,298 10,388 (6 M) 8,981 (6 M) 23,157 8,104 21,628 21,235 7,591 19,165 7,417 16,929 5,938 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 CEB NET PROFIT 5,847 13,262 11,236 4,658 10,157 (
Slide 20: Key business ratios – yearly trends
Key business ratios – yearly trends (in %) NET INTEREST MARGIN RETURN ON ASSETS 4.10% 1.75% 3.98 (6 M) (6 M) 4.00% 3.89 1.65% 1.59 3.90% 3.83 1.55 1.56 1.52 3.80% 3.74 1.55% 1.46 3.70% 3.65 3.60 1.45% 3.60% 1.35 1.35% 3.50% 3.40% 1.25% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Mar-22 Mar-23 Mar-24 M
Slide 21: Yield on advances & cost of deposits
Yield on advances & cost of deposits (in %) Yield on Advances vs Cost of Deposits 14 12.83 12.10 12 11.46 10.95 10.76 9.91 9.72 9.79 9.75 9.82 (6 M) 10 9.36 9.23 8 7.62 6 6.82 6.29 6.17 6.20 5.85 5.36 5.59 5.70 5.56 (6 M) 4 4.68 4.66 2 0 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24
Slide 22: Liabilities & Assets Portfolio
LIABILITIES & ASSETS PORTFOLIO 21
Slide 23: Liabilities portfolio
Liabilities portfolio Current Deposit 9% Savings Deposit 18% Deposit Term Deposit < 3 Cr 48% Mix Term Deposit 3 Cr to 50 Cr 17% Term Deposit > 50 Cr 8% 22
Slide 24: Advances Portfolio
Advances Portfolio (in INR Mn) Particulars Q2 FY 2027 Q4 FY 2026 Q2 FY 2026 Agriculture (including JL) 119,374 108,434 90,374 MSME 280,844 250,042 230,876 Retail (excluding Non Agri JL) 67,414 65,184 65,736 Non Agri Gold Loans 115,733 107,413 81,541 Commercial Real Estate 41,636 49,408 30,325 NBFC 1
Slide 25: Gold loan book – 30th September 2026
Gold loan book – 30th September 2026 (in INR Mn) AJL NAJL GOLD LOAN PORTFOLIO Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 1,15,733 Gold Loan – Agriculture 81,754 80,101 87,177 91,972 101,525 1,15,181 1,07,413 91,994 Gold Loan – Non-Agriculture 81,541 91,994 107,413 115,181 115,733 81,541 Total Gold Loans 163
Slide 26: Investments – at a glance
Investments – at a glance Investments Breakup and Category wise (in INR Mn) Category Sep’26 Sep’25 A FS 60,193 41,331 H TM 140,702 132,627 FVTPL (including H F T) 1,463 1,549 Total 202,358 175,507 Investments 99% of Investments in SLR securities with an yield of 7.03% M-Duration Sep’26 Sep’25 A FS 3
Slide 27: Asset Quality Metrics
CA City UNION BANK ASSET QUALITY METRICS
Slide 28: Asset quality
Asset quality (in INR Mn) GROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA % 19,332 19,202 18,544 11,911 5.00% 5.00% 4.70% 16,382 4.37% 10,176 3.99% 4.00% 4.00% 8,987 12,731 3.09% 2.95% 3.00% 10,430 3.00% 6,531 2.36% 1.91% 1.97% 2.00% 2.00% 4,494 1.44% 3,442 1.25% 1.00% 1.00% 0.68% 0.48% 0.00% 0.00
Slide 29: Asset quality position – movement over the years
Asset quality position – movement over the years (In INR MN) MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Mar-26 Q2 FY 27 H1 FY 27 NPA Opening balance 14,134 18,932 19,332 19,202 18,544 16,382 11,697 12,731 Additions A 11,131 12,757 13,290 10,135 8,149 7,449 1,751 3,701 Recovery made 1,950 4,424 5,764 5,056 5
Slide 30: Restructured Accounts
Restructured Accounts (In INR Mn) Quarter wise balance outstanding in respect of Restructured Standard borrowers Sep-21 Mar-24 Mar-25 Mar-26 Sep-26 Type of Restructuring No. of No. of No. of No. of No. of Amt Amt Amt Amt Amt Borrowers Borrowers Borrowers Borrowers Borrowers MSME 333 15,398 138 4,229
Slide 31: Technology Adoption
CA City UNION BANK TECHNOLOGY vy; ADOPTION gi
Slide 32: New Digital Offerings
New Digital Offerings Products Offerings Interactive Smart New Net/Mobile forex/trade Loan Against Mutual Secure Credit New Initiatives Statement Banking customer portal Fund Card Future Ready Solutions Conversational Pay to Co- Branded UPI ATM Credit line on UPI Credit Cards Products Bot Contact De
Slide 33: Launched New All In One Mobile Banking App
Launched New ALL IN ONE Mobile Banking APP CUB'S NEW ALL IN ONE MOBILE BANKING APP BANKING AT YOUR FINGERTIPS 50+ Services Online UPI Payments QR Code Login Split Payments Unified all New Beneficiary Dashboard Management 32
Slide 34: CUB – CSK & SRH Credit Cards
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 : Lounge access, CSK/SRH merchandise & Official match day insurance & fan goodies. Offers & discounts. fuel sur
Slide 35: Strategic Partnerships
Strategic Partnerships Digitization / Automation Aggregators Digital Marketing Bureau Credit Card Financial inclusion API BANKING Conversational Bot CRM Correspondent Digital Digital Customer Open Banking / Banking Lending Insurance Payments BAPA Services Onboarding Customer Security Connected Banki
Slide 36: GFF – 2026
GFF– 2026 Unveiling the 12 Future of Digital Banking at Global Fintech Fest, Mumbai on Sep 9th - 11th, 2026 35
Slide 37: v Z < in Z Z mm) > F a) c RESHTA S
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Slide 38: Opening Of New Digital Banking unit
Opening Of New Digital Banking unit The Digital Banking Unit Graciously Inaugurated by Shri Sridhar Vembu, Co-Founder Chief Scientist, ZOHO Corporation at the ZOHO Corporation Campus. 37
Slide 39: Award Received During Q2 2026
Award Received During Q2 2026 Rising Star Winner Runner-Up AI & ML Best Asset Best Bank (Small Pvt. Implementation Quality Management Sector Bank Category) 4th ICC Emerging Asia Banking Conclave & Awards 2026 38
Slide 40: Award Received During Q2 2026
Award Received During Q2 2026 Best Data Quality Cyber Resilience of AI/ML – Predictive Award the Year Analysis Private Consumer 5th IBA CISO Summit & Finnoviti 2026 Emerging - Silver Citations 2026, Mumbai Award 39
Slide 41: Bank's Network
CA City UNION BANK BANK’S NETWORK
Slide 42: Branch Network
Branch Network Branches by Centre Type 1 8 1 206 253 15 3 24 29 20 1 1002 4 Branches 36 6 13 3 301 242 4 37 51 1 66 62 Metro 253 Urban 242 590 21 6 Semi-urban 301 Rural 206 41
Slide 43: Shareholding Pattern
CA City UNION BANK SHAREHOLDING PATTERN
Slide 44: A well Diversified Investor Base
A well Diversified Investor Base position as on 30th September 2026 Major Institutional Shareholders Public 30.55% SHAREHOLDERS* HOLDING % HDFC AMC * 9.15 SBI AMC * 8.39 AXIS MUTUAL FUND 4.96 37.55% 17.40% HSBC MUTUAL FUND 3.33 MF, IFI, Banks FPI EDELWEISS FUND 3.69 KOTAK FUNDS 3.18 VANGUARD GROUP 2
Slide 45: Corporate Governance
CA City UNION BANK CORPORATE GOVERNANCE
Slide 46: A well experienced and strong board
A well experienced and strong board Shri. G. Mahalingam M.Sc., MBA., CAIIB Non-Executive Chairman Shri. Gurumoorthy Mahalingam is a career Regulator in the Financial Sector having worked for 34 years in RBI holding the position of Executive Director at the time of retirement and 5 years in Securitie
Slide 47: A well experienced and strong board
A well experienced and strong board Shri. K. Vaidyanathan B.Sc., FCMA, FCS Director Shri K. Vaidyanathan is a Fellow member of the Institute of Cost Accountants of India and also the Institute of Company Secretaries of India. He has over 40 years of rich domain experience in Financial and Management
Slide 48: A well experienced and strong board
A well experienced and strong board Shri. V. Ramesh M.Sc. (Physics), A.C.S, JAIIB Executive Director Shri. V. Ramesh is an associate member of the Institute of Company Secretaries of India. He has 40 years of dedicated service in CUB and has held three key posts in the Bank during his tenure viz. Co
Slide 49: Transparent Corporate Governance Practices
TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES 1 2 3 4 5 Board consists of 7 Various sub-committees Independent Directors Code of conduct for of Board functions to Disclosure norms strictly KYC / AML Norms strictly (including 1 Women Directors and Senior oversee the operations of adhered to complied w
Slide 50: Contact
CONTACT REGISTERED OFFICE 149, TSR Big Street, Kumbakonam – 612001, Tamil Nadu. ADMINISTRATIVE OFFICE “Narayana” No. 24-B, Gandhi Nagar, Kumbakonam – 612001, Tamil Nadu. PHONE · FAX 0435-2402322, 2401622 · Fax: 0435-2431746 WEBSITE www.cityunionbank.bank.in INVESTOR CONTACT Raguraman Gopu · Mob: +91