Investor Presentation - Standalone UFR Q1 FY 2027

trITY UNItrN BnNT LIMITED CIN : 16511OTN1904P1C001287 trUB Regd. Office : 149, T.S.R. (Big) Street, Kumbakonam- 612 001. Thanjavur District. Tamil Nadu. Telephone No:0435 -2492322 ltUSTAilO ITCELLEIICE EllCe leoil E-mail : shares@cityunionbank.com Website : www.cityunionbank.bank.in C.O / Shares / LR-5 | 2026-27 July 28,2026 National Stock Exchange of India Limited BSE Ltd. Exchange Plaza, 5th Floor, DCS CRD, Plot No.C/1, G Bloc( Phi roze Jeejeebhoy Towers Bandra-Kurla Complex, 25th Floor, Dalal Street, Bandra (E), Mumbai 4OO 001 Mumbai 400 051 Scrip Code: CUB Scrip Code: 5322LO Madam / Sir, Sub: Investor Presentation - Ql FY 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 ended June 30, 2026 for your information and records please. Kindly take the above on record and disseminate to all concerned Thanking you Yours faithfully for CITY UNION BANK Venkataramanan S Company Secretary & Compliance Officer Encl. : a.a "NARAYANA" Administrative Office, No.24-8, Gandhi Nagar, Kumbakonam - 612 001. Phone :0435 -2402322 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 Q1 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 based funding requirements. • Initially focus on empowering the farmers and traders of the cauvery delta Granular lending strategy –fully collateralized region. • ~37% of the loan book constitutes this segment. • Gradually spread across India (Kanyakumari to Jammu, 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 • CUB is one of the few Banks across the world to sustain more than 100 years 6.68% and top 20 Individual borrowers around 6.42% 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 ICRA CARE Edge Issuer Rating A1+ AA – Certificate of Deposits (CD) Issuer Rating Certificate of Deposits (CD) Q1 FY 27 PERFORMANCE SNAPSHOT Q1 FY 27 Performance overview Deposits increased by 21% from Rs. 657 Bn to Rs. 793 Bn Y-o-Y ROA stood at 1.57% -our long term average Advances registered a growth of 25% from Rs.540 Bn to Rs. 676 ROE stood at 14.37% Bn Y-o-Y The total business grew by 23% from Rs.1,197 Bn to Rs. 1,469 Bn NIM had improved to 3.78% Y-o-Y Net interest income grew by 31% from Rs.6,253 mnto Rs. 8,201 Gross NPA –1.73% and Net NPA –0.61% Operating profit increased by 29% from Rs.4,509 mnto Rs.5,806 Provision Coverage Ratio -85% (with TW) & 65% (without TW) PAT improved by 25% from Rs. 3,059 Mn to Rs.3,826 Mn CRAR –21.73% (Basel III) of which core CRAR –20.97% Q1 FY 27 Snapshot (in INRMn) Deposits Advances Total Business CASA 793,423 676,454 1,469,877 210,940 BUSINESS 21% 25% 23% 18% 657,345 540,203 1,197,548 179,505 N I I Gross Profit Provisions Net Profit 8,201 5,806 1,980 3,826 PROFITABILITY 31% 29% 37% 25% 6,253 4,509 1,450 3,059 1.57% 14.37% 3.78% 1.73% 0.61% 85% RATIOS ROA ROE NIM Gross NPA Net NPA PCR (with TW) Q1 FY 26 Q1 FY 27 Income statement (in INRMn) Particulars Q1 FY 2027 Q1 FY 2026 Growth FY 2026 FY 2025 Growth Interest Income 19,850 16,053 24% 68,698 58,340 18% Interest Expenses 11,649 9,800 19% 40,399 35,183 15% Net Interest Income 8,201 6,253 31% 28,299 23,157 22% Other Income 2,436 2,439 - 10,388 8,981 16% Operating Expenses 4,831 4,183 16% 18,545 15,352 21% - Establishment Exp 2,347 2,006 17% 8,898 7,330 21% - Other Expenses 2,484 2,177 14% 9,647 8,022 20% Operating Profit 5,806 4,509 29% 20,142 16,786 20% Provision & Contingencies 1980 1,450 37% 6,880 5,550 24% - Provision for Tax 1200 750 60% 3,450 2,930 18% - Other Provision 780 700 11% 3,430 2,620 31% Net Profit 3,826 3,059 25% 13,262 11,236 18% Provisions & Contingencies Breakup (in INRMn) PARTICULARS Q1 FY 2027 Q1 FY 2026 FY 2026 FY 2025 Provision for: -Tax 1,200 750 3,450 2,930 -BadDebts 600 700 2,540 2,550 -StandardAssets 180 - 590 - -Others - - 300 70 Total 1,980 1,450 6,880 5,550 Balance Sheet (in INRMn) Particulars Q1 FY 2027 Q1 FY 2026 FY 2026 FY 2025 Share Capital 991 741 743 741 Reserves and Surplus 109,179 96,942 104,906 93,925 Deposits 793,423 657,345 783,080 635,260 Borrowings 51,703 17,460 53,268 21,694 Other Liabilities & Provisions 28,590 25,507 28,247 24,612 Total Liabilities 983,886 797,995 970,244 776,232 Cash and Balances with RBI 37,716 34,981 62,673 38,746 Balances with Banks & Money at call 45,631 25,769 26,597 14,160 Investments 195,766 174,658 189,869 173,361 Advances 668,809 530,378 658,752 520,813 Fixed Assets 4,755 3,752 4,685 3,223 Other Assets 31,209 28,457 27,668 25,929 Total Assets 983,886 797,995 970,244 776,232 Capital Adequacy Position as on 30thJune 2026 (in INRMn) June’2026 June 2025 Mar’2026 Credit Risk 446,837 353,204 430,143 Market Risk 1,780 1,849 1,402 Operation [Showing first 8,000 characters — download PDF for full document]