Press Release - Standalone UFR - Q1 FY 2027

trITY UNItrN BnNrc LIvITED CIN : 1651 10TN1 904P1C001287 Regd. Office : 149, T.S.R. (Big) Street, Kumbakonaim - 612 001. Thanjavur District. *,tr"+J"H Tamil Nadu. Telephone No : 0435 -2492322 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/l, G Bloclg Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, 25th Floor, Dalal Street, Bandra (E), Mumbai 400 0Ol Mumbai 400 051 Scrip Code: CUB Scrip Code: 532210 Madam / Sir, Sub: Press Release - Q1 FY 2027 Ref : Reg.3O r/w Schedule III Paft A para A of SEBI Listing Regulations, 2015 The Board of Directors of the Bank at its meeting held today, Tuesday, July 28, 2026 has considered and approved inter-alia the Standalone Un-Audited Financial Results of the Bank for the Quarter ended June 30, 2026.In this connection we enclose herewith a copy of press release for your information and records please. Kindly take the above on record and disseminate to all concerned Thanking you Yours faithfully foT CITY UNION BANK LIMITED Ven ramanan S Company Secretary & Compliance Officer Encl.: a.a 'NARAYANA" Administrative Office, No.24-8, Gandhi Nagar, Kumbakonam - 612 001 Phone:0435 -2402322 CIN NO. L65110TN1904PLC001287 Regd. Office: 149, T.S.R. (Big) Street, Kumbakonam - 612001. CUB - PRESS RELEASE Performance Results –Quarter ended 30.06.2026 Chennai, 28th July 2026 – City Union Bank Limited announced today its performance results for the 1st Quarter ended for Financial Year 2026-27. Earlier, during the day, the Board of Directors of City Union Bank approved the working results. Financial Performance Q1 FY 27 vs Q1 FY 26: (Rs in Cr) Particulars Q1 FY 27 Q1 FY 26 Growth (%) Interest Income 1,985 1,605 24% Non-Interest Income 244 244 - Total Income 2,229 1,849 21% Interest Expense 1,165 980 19% Operating Expense 483 418 16% Total Expense 1,648 1,398 18% Net Interest Income 820 625 31% Operating Profit 581 451 29% Profit After Tax 383 306 25% Key Balance sheet Items: (Rs in Cr) Growth Q1 FY 27 Q1 FY 26 Inc/(Dec) Deposits 79,342 65,734 21% 13,608 Advances 67,645 54,020 25% 13,625 Total Business 1,46,987 1,19,754 23% 27,233 CASA 21,094 17,951 18% 3,143 Page 1 of 4 Asset Quality: (Rs in Cr) Q1 FY 27 Q1 FY 26 Gross NPA 1,170 1,617 Gross NPA (%) 1.73% 2.99% Net NPA 405 635 Net NPA (%) 0.61% 1.20% Key Financial Ratios: Q1 FY 27 Q1 FY 26 Cost of Deposits 5.56% 5.95% Yield on Advances 9.79% 9.81% Net Interest Margin 3.78% 3.54% Return on Assets 1.57% 1.55% Return on Investments 6.44% 7.76% Cost to Income Ratio 45.42% 48.12% Capital Adequacy Ratio 21.72% 23.10% Financial Performance Q1 FY 27: 1. Net Interest Income The Bank earned Net Interest Income of Rs.820 Cr for Q1 FY 27 registering 31% growth compared to Rs.625 Cr in Q1 FY 26. 2. Non Interest Income Non Interest Income of the Bank for Q1 FY 27 was almost similar to the Q1 FY 26 numbers at Rs.244 Cr. 3. Operating Expenses The operating expense is Rs.483 Cr for Q1 FY 27 as compared to Rs. 418 Cr in the corresponding period last year. 4. Operating Profit The Gross Profit had grown by 29% and improved to Rs. 581 Cr in Q1 FY 27 from Rs. 451 Cr in Q1 FY 26. Page 2 of 4 5. Provisions The Bank made a provision of Rs. 198 Cr for the period ended 30.06.2026 as against Rs. 145 cr in the corresponding period last year. 6. Net Profit The PAT had increased by 25% and improved to Rs. 383 Cr in Q1 FY 27 from Rs. 306 Cr in Q1 FY 26. 7. Deposits The Deposits had increased by 21% and increased to Rs. 79,342 Cr in Q1 FY 27 from Rs. 65,734 cr in corresponding period last year. Cost of Deposits stood at 5.56% in Q1 FY 27 compared to 5.95 % in Q1 FY 26. When compared to Q4 FY 26, it stood at 5.60% and has marginal decrease due to re-pricing. 8. Advances Total Advances increased by 25% in Q1 FY 27 and stood at Rs. 67,645 Cr as against Rs. 54,020 Cr in Q1 FY 26. Average Credit Deposit ratio stood at 86%. The yield on Advances for the present quarter is at 9.79% compared to 9.80% for Q4 FY 26. 9. Asset Quality The Gross NPA for Q1 FY 27 was reduced to 1.73% from 2.99% in Q1 FY 26 which is 126 bps reduction. Both GNPA and NNPA had shown sequential decrease in the last 12 quarters. Net NPA had decreased to 0.61% in the current quarter from 1.20 % in Q1 FY 26. The provision coverage ratio (PCR) as of 30.06.2026 is at 85% (including T/W) and 65% (excluding T/W). 10. Net Interest Margin Net Interest Margin is at 3.78% for Q1 FY 27 which is broadly in line with our guidance levels given earlier. 11. Return on Assets Return on assets for Q1 FY 27 is 1.57% which is in line with our long-term average levels. Page 3 of 4 12. Return on Equity Return on Equity was at 14.37% in Q1 FY 27 compared to 12.85% in Q1 FY 26. 13. Cost to Income Ratio (CIR) Our cost to income ratio for Q1 FY 27 had stood at 45.42% as compared to 48.12% for the same period last year. 14. Capital Adequacy The Bank’s capital adequacy as on 30.06.2026 as per Reserve Bank of India (RBI) guidelines on Basel III norms is 21.73% and Tier-1 capital adequacy was 20.97%, well above regulatory requirements. About the Bank: City Union Bank is an old sector private sector bank with 1000 branches across 17 states and three Union territories. It is a scheduled commercial Bank regulated by the Reserve Bank of India. It is professionally managed and governed. City Union Bank has contemporary technology and infrastructure including ATMs, Net Banking, Mobile Banking, E-Wallet, Social Media Banking for personal as well as business banking customers. The Bank positioned itself as a banker to SMEs, Agri and Traders apart from all other banking activities. Conference call details: City Union Bank will hold an earnings conference call on 28th July 2026 at 6.00 p.m. IST to discuss our performance for the 1st quarter ended June 2026. The transcript of the management discussions and the question and answer session will be available online and will be accessible in the Investor Relations section of our website at www.cityunionbank.bank.in For further information please contact: Mr. J. Sadagopan, Chief Financial Officer Mobile No. 93671 31717 www.cityunionbank.bank.in Page 4 of 4