Investor Presentation

trITY UNItrN Barur LIvITED clN : 1651 1 OTN1 904P1C001287 trUB Regd. Office: 149, T.S.R.(Big) Street, Kumbakonam - 612 001. Thanjavur District. Tamil Nadu. Telephone No : 0435 - 24A?322 lnusIAXO EICELLETCE 8r[cE tsrx E-mail : shares@cityunionbank.com Website : wwwcityunionbank.bank.in C.O /'Shares / LR-5 | 2026-27 October 28,2026 National Stock Exchange of India Limited BSE Ltd. Exchange Plaza, 5th Floor, DCS - CRD, Plot No.C/l, G Bloc( Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, 25th Floor, Dalal Street, Bandra (E), Mumbai 400 O01 Mumbai 40O 051 Scrip Code: CUB Scrip Code: 532210 Madam / Sir, Sub: Investor Presentation - Q2 & Hl Ff 2027 Pursuant to Regulation 30 R/w Schedule III Part A para A of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, we submit herewith the Investor Presentation on the Standalone Un-Audited Financial Results of the Bank for the Quarter & Half-Year ended September 30,2026. Kindly take the above on record and disseminate to all concerned Thanking you Yours faithfully for CITY UNION BANK tlMlT Vehkataramanan S Company Secretary & Compliance Officer Encl. : a.a "NARAYANA" Administrative Office, No.24-B, Gandhi Nagar, Kumbakonam - 612 001. Phone:0435 -2402322 Investor Presentation S E P T E M B E R 2 0 2 6 Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness, or correctnessofsuchinformationoropinionscontainedherein.Theinformationcontainedinthispresentationisonlycurrentasofitsdate.Certain statements made in this presentation may not be based on historical information or facts and may be “forward-looking statements”, including those relating to the bank’s general business plans and strategy, its future financial conditionand growth prospects, and future developments in the industry andregulatory environment. Actual results may differmateriallyfrom these forward-lookingstatements due to anumber of factors, includingfuturechangesordevelopmentsinthebank’sbusiness,itscompetitiveenvironment,andpolitical,economic,legal,andsocialconditions inIndia. Thiscommunicationisforgeneralinformationpurposesonly,withoutregardtospecificobjectives,financialsituations,andneedsofany person. Thispresentationdoesnotconstitute anofferorinvitationtopurchaseorsubscribeforanysharesinthebank andneither anypartofit shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revisions or changes. This presentation shouldnotbecopiedand/ordisseminatedinanymanner. 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 Overview Key Strengths SME / MSME Focus PAN-India Presence • Nurturing the SMEs & MSMEs through the need basedfunding 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 segment. • Gradually spread across India (Kashmir to Kanyakumari, 1000+CUB) • Helping building resilient India in line with the objective of Viksit Baharat 2047 • Aims to augment the Business Potential of Semi-urban, urban and Unbanked rural areas. Stakeholder Value Robust Corporate Governance Practices • 120+ years of dedicated service to the nation (Swadeshi Bank) • Strong board with majority of directors being independent directors • Withstood the most difficult times of the History including World wars, the great • Consistency in management with only 8 CEOs appointed in 122 years depression, sub-prime crisis, Pandemic to the latest world economic crisis. • Commitment to conducting business with integrity and ethical practices • Continuous & consistent profitability all throughout 120+ years • Board provides strategic direction while ensuring effective oversight through • Front-runner in CSR initiatives, collaborating with the governments, NGOs and various specialized committees voluntary organizations. Diversified Asset Profile Strong Track Record • Granular asset profile with advances to top 20 group borrowers contributing 7% • CUB is one of the few Banks across the world to sustain more than 100 years and top 20 Individual borrowers around 6% and only very few Banks to boast of the record of continuous profitability all • Lower ticket size lending backed by adequate collaterals through-out 120+ years. • Prudent sectoral and borrower exposure limits to minimize concentration risk. • The Bank’s enduring legacy of stability, integrity, unwavering commitment to • Emphasis on granular retail and MSME advances, contributing to stable asset ethical conduct and customer centric values has strengthened its position as one quality and resilient earnings. of the trusted private sector bank. Credit rating CRISIL ICRICARA CARE Edge Issuer Rating A1+ AA – BASEL III Tier II Bonds Certificate of Deposits (CD) Issuer Rating Certificate of Deposits (CD) Q2 FY 27 PERFORMANCE SNAPSHOT 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 had improved to 3.87% Y-o-Y Net interest income grew by 31% from Rs. 6,665 mnto Rs. 8,728 Mn Gross NPA -1.44% and Net NPA -0.48% Operating profit increased by 40% from Rs. 4,706 mnto Rs. 6,609 Mn Provision Coverage Ratio -82% (with TW) & 67% (without TW) PAT improved by 27% from Rs. 3,286 Mn to Rs. 4,159 Mn CRAR –21.26% (Basel III) of which core CRAR –20.43% Q2 FY 27 Snapshot (in INRMn) 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 N I I 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 1.62% 15.01% 3.87% 1.44% 0.48% 82% RATIOS ROA ROE NIM Gross NPA Net NPA PCR (with TW) Q2 FY 26 Q2 FY 27 Income statement (in INRMn) 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 3,501 2,592 35% 5,938 5,030 18% 10,388 Operating Expenses 5,620 4,551 23% 10,452 8,734 20% 18,545 - Establishment Exp 2,803 2,244 25% 5,151 4,250 21% 8,898 - Other Expenses 2,817 2,307 22% 5,301 4,484 18% 9,647 Operating Profit 6,609 4,706 40% 12,415 9,215 35% 20,142 Provision & Contingencies 2450 1,420 73% 4,430 2,870 54% 6,880 - Provision for Tax 1250 850 47% 2,450 1600 53% 3,450 - Other Provision 1200 570 111% 1,980 1270 56% 3,430 Net Profit 4,159 3,286 27% 7,985 6,345 26% 13,262 Provisions & Contingencies Breakup (in INRMn) 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 10 - 10 - - Total 2,450 1,420 4,430 2,870 6,880 Income & Expenses breakup – Q2 FY 27 Vs Q2 FY 26 INTEREST INCOME BREAKUP INTEREST EXPENSESBREAKUP (in INRMn) Growth PARTICULARS Q2 FY 27 Q2 FY 26 Growth % 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% Other Int Expenses 916 331 177% Other Interest Income 510 337 51% Total Interest Expenses 12,195 9,866 24% Total Interest Income 20,923 16,531 27% OTHER INCOME BREAKUP OPERATINGEXPENSES BREAKUP Growth Growth PARTICULARS Q2 FY 27 Q2 FY 26 PARTICULARS Q2 FY 27 Q2 FY 26 CEB [Showing first 8,000 characters — download PDF for full document]