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DisclaimerNo representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness, orcorrectness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certainstatements made in this presentation may not be based on historical information or facts and may be “forward-looking statements”, includingthose relating to the bank’s general business plans and strategy, its future financial condition and growth prospects, and future developments inthe industry and regulatory environment. 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 political, economic, legal, and social conditionsin India. This communication is for general information purposes only, without regard to specific objectives, financial situations, and needs of anyperson. This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the bank and neither any part of itshall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The bank may alter, modify or otherwisechange in any manner the content of this presentation, without obligation to notify any person of such revisions or changes. This presentationshould not be copied and/or disseminated in any manner. 2
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Table of contents 1Overview2Q1 FY 2027 snapshots3Performance overview4Liability & Assets portfolio5Asset Quality metrics7Bank's network8Shareholding Pattern9Corporate Governance6Technology Adoption 10Contact details3
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Overview 4
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SME / MSME Focus•Nurturing the SMEs & MSMEs through the need based funding requirements. Granular lending strategy – fully collateralized•~37% of the loan book constitutes this segment.•Helping building resilient India in line with the objective of Viksit Baharat 2047PAN-India Presence•Initially focus on empowering the farmers and traders of the cauvery delta region.•Gradually spread across India (Kanyakumari to Jammu, 1000+CUB)•Aims to augment the Business Potential of Semi-urban, urban and Unbanked rural areas.Stakeholder Value•120+ years of dedicated service to the nation (Swadeshi Bank)•Withstood the most difficult times of the History including World wars, the great depression, sub-prime crisis, Pandemic to the latest world economic crisis.•Continuous & consistent profitability all throughout 120+ years•Front-runner in CSR initiatives, collaborating with the governments, NGOs and voluntary organizations.Robust Corporate Governance Practices•Strong board with majority of directors being independent directors•Consistency in management with only 8 CEOs appointed in 122 years•Commitment to conducting business with integrity and ethical practices •Board provides strategic direction while ensuring effective oversight through various specialized committeesDiversified Asset Profile•Granular asset profile with advances to top 20 group borrowers contributing 6.68% and top 20 Individual borrowers around 6.42%•Lower ticket size lending backed by adequate collaterals•Prudent sectoral and borrower exposure limits to minimize concentration risk.•Emphasis on granular retail and MSME advances, contributing to stable asset quality and resilient earnings.Strong Track Record•CUB is one of the few Banks across the world to sustain more than 100 years and only very few Banks to boast of the record of continuous profitability all through-out 120+ years.•The Bank’s enduring legacy of stability, integrity, unwavering commitment to ethical conduct and customer centric values has strengthened its position as one of the trusted private sector bank. Key Strengths 5
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Credit rating CRISILA1+Certificate of Deposits (CD)CARE EdgeAA –Issuer Rating ICRAAAIssuer RatingA1+Certificate of Deposits (CD) 6
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Q1 FY 27 PERFORMANCE SNAPSHOT 7
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Q1 FY 27 Performance overview Deposits increased by 21% from Rs. 657 Bn to Rs. 793 Bn Y-o-Y Advances registered a growth of 25% from Rs.540 Bn to Rs. 676 Bn Y-o-Y The total business grew by 23% from Rs.1,197 Bn to Rs. 1,469 Bn Y-o-Y Net interest income grew by 31% from Rs.6,253 mn to Rs. 8,201 Mn Operating profit increased by 29% from Rs.4,509 mn to Rs.5,806 Mn PAT improved by 25% from Rs. 3,059 Mn to Rs.3,826 Mn ROA stood at 1.57% - our long term average ROE stood at 14.37% NIM had improved to 3.78% Gross NPA – 1.73% and Net NPA – 0.61% Provision Coverage Ratio - 85% (with TW) & 65% (without TW) CRAR – 21.73% (Basel III) of which core CRAR – 20.97%8
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Q1 FY 27 Snapshot(in INR Mn) BUSINESSPROFITABILITYRATIOS 793,42321%Deposits 676,45425%Advances 1,469,87723%Total Business 210,94018%CASA 1.57%ROA 14.37%ROE 3.78%NIM 1.73%Gross NPA 0.61%Net NPA 85%PCR (with TW) 657,345 540,203 1,197,548 179,505 8,20131% 5,80629% 1,98037% 3,82625%6,2534,509 1,450 3,059N I I Gross Profit Provisions Net Profit Q1 FY 26 Q1 FY 279
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Income statementGrowthFY 2025FY 2026GrowthQ1 FY 2026Q1 FY 2027Particulars18%58,34068,69824%16,05319,850Interest Income15%35,18340,39919%9,80011,649Interest Expenses22%23,15728,29931%6,2538,201Net Interest Income 16%8,98110,388-2,4392,436Other Income21%15,35218,54516%4,1834,831Operating Expenses21%7,3308,89817%2,0062,347- Establishment Exp20%8,0229,64714%2,1772,484- Other Expenses20%16,78620,14229%4,5095,806Operating Profit24%5,5506,88037%1,4501980Provision & Contingencies18%2,9303,45060%7501200- Provision for Tax31%2,6203,43011%700780- Other Provision18%11,23613,26225%3,0593,826Net Profit (in INR Mn) 10
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Provisions & ContingenciesBreakup(in INR Mn)FY 2025FY 2026Q1 FY 2026Q1 FY 2027PARTICULARSProvision for:2,9303,4507501,200- Tax2,5502,540700600- Bad Debts-590-180- Standard Assets70300--- Others5,5506,8801,4501,980Total 11
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Balance SheetFY 2025FY 2026Q1 FY 2026Q1 FY 2027Particulars741743741991Share Capital93,925104,90696,942109,179Reserves and Surplus635,260783,080657,345793,423Deposits21,69453,26817,46051,703Borrowings24,61228,24725,50728,590Other Liabilities & Provisions776,232970,244797,995983,886Total Liabilities38,74662,67334,98137,716Cash and Balances with RBI14,16026,59725,76945,631Balances with Banks & Money at call 173,361189,869174,658195,766Investments520,813658,752530,378668,809Advances3,2234,6853,7524,755Fixed Assets25,92927,66828,45731,209Other Assets776,232970,244797,995983,886Total Assets (in INR Mn) 12
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Capital AdequacyPosition as on 30thJune 2026Mar’2026June 2025June’2026430,143353,204446,837Credit Risk1,4021,8491,780Market Risk54,31154,31159,351Operational Risk485,856409,364507,968Total Risk Weight101,16190,412106,515Tier-I Capital5,3464,1563,869Tier-II Capital106,50794,568110,384Total Capital20.82%22.09%20.97%Tier-I CRAR21.92%23.10%21.73%Total CRAR (in INR Mn) 13
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PERFORMANCE OVERVIEW 14
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Deposits and advances growth – over the years(in INR Mn) 411,560439,708464,815530,664666,988676,454Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26ADVANCES 888,457963,6871,021,3811,165,9241,450,0681,469,877Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26BUSINESS 155,294156,569170,502181,189216,441210,940Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26CASA 476,897523,979556,566635,260783,080793,423Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26DEPOSITS 15
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Income growth - over the years(in INR Mn) 19,16521,62821,23523,15728,2988,201Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26NET INTEREST INCOME7,5918,1047,4178,98110,3882,436Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26OTHER INCOME 2,9213,3383,5984,6585,8471,402Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26CEB7,6029,37510,15711,23613,2623,826Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26NET PROFIT16
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Key business ratios – yearly trends 3.983.893.653.603.743.783.40%3.50%3.60%3.70%3.80%3.90%4.00%4.10%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26NET INTEREST MARGIN1.351.461.521.551.561.571.25%1.35%1.45%1.55%1.65%1.75%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26RETURN ON ASSETS 3.883.974.704.854.744.783.50%3.70%3.90%4.10%4.30%4.50%4.70%4.90%5.10%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26COST OF FUNDS7.287.347.878.048.068.147.00%7.20%7.40%7.60%7.80%8.00%8.20%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26YIELD ON FUNDS(in %) 17
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Yield on advances & cost of deposits(in %) Spread between cost of deposits and yield on advances of our bank maintained in the last 10 years 12.8312.1011.4610.9510.769.919.369.239.729.799.759.797.626.826.296.176.205.364.684.665.595.855.705.5602468101214 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Yield on Advances vs Cost of Deposits Yield on AdvancesCost of Deposits18
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LIABILITIES & ASSETS PORTFOLIO 19
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Liabilities portfolio Current Deposit8%Savings Deposit18%Term Deposit < 3 Cr49%Term Deposit 3 Cr to 50 Cr16%Term Deposit > 50 Cr9%Deposit Mix 20
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Advances PortfolioQ1 FY 2026Q4 FY 2026Q1 FY 2027Particulars86,673108,434111,852Agriculture (including JL)216,653250,042249,731M S M E51,26565,18464,725Retail (excluding Non Agri JL)73,338107,413114,707Non Agri Gold Loans35,81349,40850,080Commercial Real Estate13,65317,37216,847N B F C 17,50321,88618,827Loans to Business Enterprises 15,52915,51219,990Large Industries / Services 29,77631,73729,695All other Loans540,203666,988676,454Total Assets (in INR Mn) 21
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Gold loan book – 30thJun 2026(in INR Mn)% above Market Price Average LTV Price drop-62.07%At Market price-65.34%At 5% drop-68.97%At 10% drop-73.02%At 15% drop1.93%77.59%At 20% drop Gross Weight30.65 TonsAverage Yield10.62%of Total Advances30.62% 76,19881,75480,10187,17791,972 74,32981,54191,994107,413115,181Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Gold loan break-upAJLNAJL 22
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Investments – at aglanceInvestments Breakup and Category wise(in INR Mn) Jun’25Jun’26Category36,19151,344A F S131,032135,099H TM7,7359,642 FVTPL (including H F T)174,958196,086Total Jun’25Jun’26M-Duration2.693.23A F S3.914.60H TM3.483.66FVTPL (including H FT)3.654.22Total portfolio95% of Investments in SLR securities with an yield of 6.64% AFS 26%HTM 69%FVTPL (incl HFT) 5%Investments 23
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ASSET QUALITYMETRICS 24
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19,33219,20218,54416,38212,73111,6974.70%4.37%3.99%3.09%1.91%1.73%0.00%1.00%2.00%3.00%4.00%5.00%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-2611,91110,1768,9876,5314,4944,0522.95%2.36%1.97%1.25%0.68%0.61%0.00%1.00%2.00%3.00%4.00%5.00%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Asset qualityGROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA %(in INR Mn) 25
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Asset quality position – movement over the yearsJun-26Mar-26MAR-25MAR-24MAR-23MAR-22MAR-21(In INR MN)12,73116,38218,54419,20219,33218,93214,134NPA Opening balance1,9507,4498,14910,13513,29012,75711,131AAdditions1,1074,4165,8155,0565,7644,4241,950Recovery made7142,6972,5293,1042,3611,638264Upgradations129336-1951,9755,1656,5938,917BNet Addition1,1633,9871,9672,6335,2956,2954,119Write-off11,69712,73116,38218,54419,20219,33218,932NPA Closing balance1,1013,8731,6222,3293,6065,7343,961Technical Write-off(TW) during the period6002,5402,5503,2706,9005,5355,990CProvision made during the period2372,2912,0772,1522,9421,8831,033DTW recovery3632494731,1183,9583,6524,957E=C-DProvision made net of TWRecovery676,454666,988530,664464,815439,708411,560370,205FGrossAdvance*0.291.121.542.183.023.103.01A / FAdditions % of GrossAdvance*0.020.05-Ve0.421.171.602.41B / FNet Addition % of Gross Advance*0.050.040.090.240.900.891.34E / FCredit cost (after adjusting TW income)1.731.913.093.994.374.705.11Gross NPA %0.610.681.251.972.362.952.97Net NPA %* Not annualized 26
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Jun-26Mar-26Mar-25Mar-24Sep-21Type of RestructuringAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowers2,096702,534892,8701044,22913815,398333M S M E----------------22031Non – M S M E2,3684962,5815424,0206955,0629016,8601612Covid-19 Resolution Framework4,4645665,1156316,8907999,2911,03922,4781976Total676,454666,988530,664446,815380,122Gross Advances0.66%0.77%1.30%2.08%5.91%% of Rest Standard adv to Gross advances Restructured Accounts The above disclosure is in respect of Restructured Standard Accounts excluding NPA and accounts got closed or upgraded as per extant RBI guidelinesAs of 30.06.2026, the total outstanding restructured Standard borrower accounts was 566 in numbers and amounting to Rs. 4,464 mn. Quarter wise balance outstanding in respect of Restructured Standard borrowers(In INR Mn) 27
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TECHNOLOGYADOPTION 28
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NewDigital Offerings Products Offerings01 02 03 04 05 New InitiativesFuture Ready SolutionsProductsDesigned for every needTechnology/AutomationPowering Intelligent Banking InteractiveSmartStatementWhatsAppBankingDataAnalyticsCo- Branded Credit CardsAICOENew Net/MobileBanking Pay toContact ConversationalBotForex/TradeCustomer Portal Secure Credit CardDigital LendingCredit Line On UPI UPI ATMUPIBIO-AuthenticationNational CommonMobility Card(NCMC) 29
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CUB –CSK & SRH Credit CardsCity 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 : CSK/SRH merchandise & fan goodies.Official match day Offers & discounts.Lounge access,insurance & fuel surcharge waiver.30
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BANKING AT YOUR FINGERTIPSALLINONECUB'S NEWMOBILE BANKING APP 50+ Services OnlineUPI PaymentsBeneficiaryManagementSplit PaymentsLaunched New ALL IN ONE Mobile Banking APP 31
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Salaryse- Level Up Credit Card Features : Up to 10% rewards on eligible UPI spends12 complimentary airport lounge visits every year Up to 37.5% rewards on the 1st and last day of every month The SalarySe Level Up Credit Card from City Union Bank, designed to make Salary Days, UPI payments and lifestyle spends even more rewarding. International spends at just 1% forex markup. 32
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API BANKINGCorrespondentBanking DigitalLendingDigitalInsuranceCustomerOnboardingPaymentsDigitalChannelDigital MarketingDigitization / AutomationAggregatorsBureauFinancial inclusionCRMCorrespondentBanking SecurityCustomer OnboardingMerchants/CollectionsConversational BotCredit CardStrategicPartnerships SecurityConnected Banking SolutionAI/ML 33
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Awards Received During Q1 Pension Fund Regulatory and Development AuthorityAttal Pension Yojana (APY) Excellence India Banking Summit & Awards 2026Innovative Bank of the Year AI summit and award 2026Best AI Adoption – BFSI 34
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BANK’SNETWORK 35
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Branch NetworkBranches by Centre Type Metro252Urban242Semi-urban300Rural2522423002061000Branches 588216662513736291320634812415143161 20636
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SHAREHOLDINGPATTERN 37
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Major Institutional Shareholders * Subsidiaries/Associates are consolidated HOLDING %SHAREHOLDERS*9.32HDFC AMC *8.26SBI AMC *4.93AXIS MUTUAL FUND3.65HSBC MUTUAL FUND3.04EDELWEISS FUND2.08KOTAK FUNDS2.06VANGUARD GROUP1.83FRANKLIN INDIA MUTUAL FUND1.79TATA GROUP1.62NIPPON INDIA FUND1.57ADITYA BIRLA GROUP1.31CANARA ROBECCO FUND1.22BANK MUSCAT INDIA FUND1.20ISHARES EQUITY FUND A well Diversified Investor Baseposition as on 30thJune 2026 Public32.17%34.50%MF, IFI, Banks18.65%FPI9.14%QIB2.02%Corp Bodies1.10%NRI 2.42%Others38
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CORPORATEGOVERNANCE 39
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A well experienced and strong board Shri. G. Mahalingam M.Sc., MBA., CAIIBNon-Executive ChairmanShri. Gurumoorthy Mahalingam is a career Regulator in the Financial Sector having worked for 34 years in RBI holding the position of ExecutiveDirector at the time of retirement and 5 years in Securities and Exchange Board of India ("SEBI") as Whole Time Board Member. He holds aMasters degree in Statistics and Operations Research from IIT Kanpur and MBA in International Banking from the UK. He has extensiveexperience in Banking Regulation and Supervision as well as in market regulation and operations.Shri. R. Vijay Anandh B.Sc, MBAM.D. & C.E.O.Shri Vijay Anandh R holds over 28 years of rich experience in Banking Business, Risk Management, Portfolio Analysis, Credit Appraisals,Recoveries, Legal Collections, and Portfolio due diligence mainly in the retail assets space. Prior to joining CUB, he served as the Group ExecutiveVice President & Business Head - Retail Assets (excluding cards) & Collections – Retail Business at RBL Bank and worked closely with the ED &MD. He also served there as the Group Executive Vice President & Chief Credit Officer for the Retail businesses viz. MSME, Cards, Rural Lending,Agriculture & Financial Inclusion, AML and Fraud Risk for the Liabilities Portfolio.Prof. V Kamakoti B.E., M.S., Ph.DDirectorProf. V Kamakoti holds a Master of Science degree in Bachelor of Engineering from the Indian Institute of Technology – Madras and a doctorateof Philosophy in Computer Science and one of the youngest to adorn the post of Professorship in one of the prestigious Institutions of Indianamely IIT, Madras and presently he is the Director. His forte is Information Technology related Secured Systems Engineering and Securityrelated Software Engineering. In January 2026, he was honoured with Padma Shri award for his significant contributions to our country’s scienceand technology sector. 40
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A well experienced and strong board Shri. T.K. Ramkumar B.Com., B.L.DirectorShri. T.K. Ramkumar is one of the leading Lawyers in Chennai possessing special knowledge and expertise in Banking law, Company law andIntellectual Property Rights. He is also an active environmentalist.Smt. Lalitha Rameswaran B.Com, FCA, DISADirectorSmt. Lalitha Rameswaran is a practising Chartered Accountant by profession and also a qualified systems auditor. She has rich experience inboth Direct & Indirect taxation and appeared before various Tribunals representing public sector and private sector banks on tax relatedmatters. She is presently a Partner of M/s. Abarna & Ananthan, Chartered Accountants, Bangalore specialized in the field of Accountancy,Finance, Audit, Taxation (Income Tax, Service Tax & GST), Capital Market, Information Technology and Banking Consultancy. Shri. K. Vaidyanathan B.Sc., FCMA, FCSDirectorShri K. Vaidyanathan is a Fellow member of the Institute of Cost Accountants of India and also the Institute of Company Secretaries of India. Hehas over 40 years of rich domain experience in Financial and Management Accounting, Corporate Finance, Auditing and Regulatory Compliance.He is a Practising Company Secretary. He also holds expertise in Compliance and Business management. 41
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A well experienced and strong board Shri. V. Ramesh M.Sc. (Physics), A.C.S, JAIIBExecutive DirectorShri. V. Ramesh is an associate member of the Institute of Company Secretaries of India. He has 40 years of dedicated service in CUB and hasheld three key posts in the Bank during his tenure viz. Company Secretary, Chief Financial Officer and Chief Compliance Officer. He holdsextensive knowledge and profound experience in Banking, Finance & Accounts, Law, Investor Relations, Investments, Risk Management,International Banking and Treasury functions.Shri. Krishnaswamy Subramanian B.Sc, ACADirectorShri. Krishnaswamy Subramanian is a Chartered Accountant (All India Rank holder), aged 61 years. He is a seasoned IT executive with 37+ yearsof industry experience, holding expertise in software engineering, systems thinking and engineering, complex problem solving, full lifecyclesoftware development, large program management and transformation of enterprise-wide engineering practices. He retired from TCS onJanuary 31, 2025 in the capacity of Global Head- Delivery Excellence, Governance, Privacy and Business Excellence. DirectorShri. R Mohan aged 71 years is qualified as B.Sc, CAIIB, MBA with over 39 years of practical experience in field Banking. He joined as aProbationer in City Union Bank Ltd., in May 1975 and retired as the Chief General Manager of the Bank in May 2014. His areas of expertiseinclude Banking, Agriculture & Rural economy, Small Scale Industry, Finance, Treasury & Forex and Business Management. He has served onthe Board of the Bank earlier from June 2014 to June 2022 [including 3 years as part-time Chairman from May 2019 to May 2022. Shri. R Mohan B.Sc, CAIIB, MBA 42
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TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES 43 1Board consists of 7 Independent Directors (including 1 Women Director), 1 Executive Director and MD & CEO2Various sub-committees of Board functions to oversee the operations of the Bank3Disclosure norms strictly adhered to4KYC / AML Norms strictly complied with5Code of conduct for Directors and Senior Management put in placeWE HAVE EMINENT PERSONALITIES ON OUR BOARD WITH DIVERSE PROFESSIONAL EXPERTISECareer Regulator in Financial Sector – Retired ED of RBI and Whole Time Board Member of SEBIDirector – IIT Madras and expertise in IT related security systemsPractising Advocate, Compliance function and Risk ManagementPractising Chartered Accountant, qualified system Auditor and Tax expertisePractising Company Secretary, Business Management & ComplianceChartered Accountant with Strong IT background.Agriculture & Rural Economy, Small Scale Industry, Business Management, and Forex.43
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CONTACT INVESTOR CONTACTRaguraman Gopu · Mob: +91 77088 49222raguraman@cityunionbank.com REGISTERED OFFICE149, TSR Big Street, Kumbakonam – 612001, Tamil Nadu.ADMINISTRATIVE OFFICE“Narayana” No. 24-B, Gandhi Nagar, Kumbakonam – 612001, Tamil Nadu.PHONE · FAX0435-2402322, 2401622 · Fax: 0435-2431746WEBSITEwww.cityunionbank.bank.inScan to know more 44