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S E P T E M B E R 2 0 2 6InvestorPresentation
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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 1Overview2Q2 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•~39% 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 (Kashmir to Kanyakumari, 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 7% and top 20 Individual borrowers around 6%•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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6 Credit ratingCRISILA1+Certificate of Deposits (CD) ICRA CARE EdgeAA –Issuer Rating ICRAAAIssuer RatingA1+Certificate of Deposits (CD) AABASEL III Tier II Bonds6
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Q2 FY 27 PERFORMANCE SNAPSHOT 7
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Q2 FY 27 Performance overview Deposits increased by 21% from Rs. 695 Bn to Rs. 839 Bn Y-o-Y Advances registered a growth of 26% from Rs.576 Bn to Rs.724 Bn Y-o-Y The total business grew by 23% from Rs.1,270 Bn to Rs.1,563 Bn Y-o-Y Net interest income grew by 31% from Rs. 6,665 mn to Rs. 8,728 Mn Operating profit increased by 40% from Rs. 4,706 mn to Rs. 6,609 Mn PAT improved by 27% from Rs. 3,286 Mn to Rs. 4,159 Mn ROA stood at 1.62% - our long term average 1.50+ ROE stood at 15.01% NIM had improved to 3.87% Gross NPA - 1.44% and Net NPA - 0.48% Provision Coverage Ratio - 82% (with TW) & 67% (without TW) CRAR – 21.26% (Basel III) of which core CRAR – 20.43%8
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Q2 FY 27 Snapshot(in INR Mn) BUSINESSPROFITABILITYRATIOS 838,93121%Deposits 724,41526%Advances 1,563,34623%Total Business 223,50214%CASA 1.62%ROA 15.01%ROE 3.87%NIM 1.44%Gross NPA 0.48%Net NPA 82%PCR (with TW) 694,860 575,612 1,270,472 195,369 8,72831% 6,60940% 2,45073% 4,15927%6,6654,706 1,420 3,286N I I Gross Profit Provisions Net Profit Q2 FY 26 Q2 FY 279
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Income statement(in INR Mn) 10 FY 2026GrowthH1 FY 2026H1 FY 2027GrowthQ2 FY 2026Q2 FY 2027Particulars68,69825%32,58540,77227%16,53120,923Interest Income40,39921%19,66623,84324%9,86612,195Interest Expenses28,29931%12,91916,92931%6,6658,728Net Interest Income 10,38818%5,0305,93835%2,5923,501Other Income18,54520%8,73410,45223%4,5515,620Operating Expenses8,89821%4,2505,15125%2,2442,803- Establishment Exp9,64718%4,4845,30122%2,3072,817- Other Expenses20,14235%9,21512,41540%4,7066,609Operating Profit6,88054%2,8704,43073%1,4202450Provision & Contingencies3,45053%16002,45047%8501250- Provision for Tax3,43056%12701,980111%5701200- Other Provision13,26226%6,3457,98527%3,2864,159Net Profit
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Provisions & ContingenciesBreakup(in INR Mn) 11 FY 2026H1 FY 2026H1 FY 2027Q2 FY 2026Q2 FY 2027PARTICULARSProvision for:3,4501,6002,4508501,250- Tax2,5401,1001,200400600- Bad Debts590702707090- Standard Assets300100500100500- Contingencies Provision--10-10- Others Provisions6,8802,8704,4301,4202,450Total
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Income & Expenses breakup –Q2 FY 27 Vs Q2 FY 26 12 (in INR Mn)INTEREST INCOME BREAKUPINTEREST EXPENSES BREAKUPOTHER INCOME BREAKUPOPERATING EXPENSES BREAKUPGrowth %Q2 FY 26Q2 FY 27PARTICULARS29%13,318 17,129 Interest on Loans14%2,876 3,284 Interest on Investments51%337 510 Other Interest Income27%16,53120,923 Total Interest IncomeGrowth %Q2 FY 26Q2 FY 27PARTICULARS18%9,535 11,279 Int Exp on Deposits177%331 916 Other Int Expenses24%9,86612,195 Total Interest ExpensesGrowth %Q2 FY 26Q2 FY 27PARTICULARS13%1,346 1,520 CEB & Charges69%216 365 Treasury Income57%1,030 1,616 Other Inc incl recoveries in written off a/cs35%2,5923,501 Total Other IncomeGrowth %Q2 FY 26Q2 FY 27PARTICULARS25%2,244 2,803 Employee Cost22%2,307 2,817 Other Operating Expenses23%4,551 5,620 Total Operating Expenses
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Balance Sheet(in INR Mn) 13 FY 2025FY 2026Q2 FY 2026Q2 FY 2027Particulars741743741991Share Capital93,9251,04,90698,5191,10,934Reserves and Surplus6,35,2607,83,0806,94,8608,38,931Deposits21,69453,26821,82752,804Borrowings24,61228,24728,07730,964Other Liabilities & Provisions7,76,2329,70,2448,44,02410,34,624Total Liabilities38,74662,67348,47740,004Cash and Balances with RBI14,16026,59721,05243,250Balances with Banks & Money at call 1,73,3611,89,8691,75,1872,02,038Investments5,20,8136,58,7525,66,8097,17,427Advances3,2234,6853,8805,505Fixed Assets25,92927,66828,61926,400Other Assets7,76,2329,70,2448,44,02410,34,624Total Assets
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Capital AdequacyPosition as on 30thSeptember 2026(in INR Mn) 14 Mar’26Sep-25Sep-264,30,1433,79,2514,77,631Credit Risk1,4021,4721,505Market Risk54,31154,31159,351Operational Risk4,85,8564,35,0345,38,487Total Risk Weight1,01,16190,1041,10,019Tier-I Capital5,3464,2264,459Tier-II Capital1,06,50794,3301,14,478Total Capital20.82%20.71%20.43%Tier-I CRAR21.92%21.68%21.26%Total CRAR
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15 Key Financial IndicatorsFY 26H1 FY 26H1 FY 27Q2 FY 26Q2 FY 27PARTICULARS5.70%5.83%5.56%5.71%5.56%Cost of Deposits9.75%9.73%9.82%9.66%9.85%Yield on Advances6.53%6.44%6.49%6.43%6.56%Yield on Investments3.74%3.59%3.83%3.63%3.87%Net Interest Margin47.93%48.66%45.71%49.16%45.96%Cost to Income4.74%4.86%4.76%4.77%4.74%Cost of Funds8.06%8.06%8.14%7.99%8.13%Yield on Funds1.491.591.761.651.83Per Employee Profit (in INR Mn) (Ann)
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PERFORMANCE OVERVIEW 16
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Deposits and advances growth – over the years(in INR Mn) 4,11,5604,39,7084,64,8155,30,6646,66,9887,24,415Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26ADVANCES 8,88,4579,63,68710,21,38111,65,92414,50,06815,63,346Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26BUSINESS 1,55,2941,56,5691,70,5021,81,1892,16,4412,23,502Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26CASA 4,76,8975,23,9795,56,5666,35,2607,83,0808,38,931Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26DEPOSITS 17
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Income growth - over the years(in INR Mn) 19,16521,62821,23523,15728,29816,929Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26NET INTEREST INCOME7,5918,1047,4178,98110,3885,938Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26OTHER INCOME 2,9213,3383,5984,6585,8472,922Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26CEB7,6029,37510,15711,23613,2627,985Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26NET PROFIT18 (6 M) (6 M)(6 M)(6 M)
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Key business ratios – yearly trends 3.983.893.653.603.743.833.40%3.50%3.60%3.70%3.80%3.90%4.00%4.10%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26NET INTEREST MARGIN1.351.461.521.551.561.591.25%1.35%1.45%1.55%1.65%1.75%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26RETURN ON ASSETS(6 M) 3.883.974.704.854.744.763.50%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 Sep-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 Sep-26YIELD ON FUNDS(in %) 19 (6 M)(6 M)(6 M)
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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 12.8312.1011.4610.9510.769.919.369.239.729.799.759.827.626.826.296.176.205.364.684.665.595.855.705.5602468101214 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Yield on Advances vs Cost of Deposits Yield on AdvancesCost of Deposits20 (6 M)(6 M)
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LIABILITIES & ASSETS PORTFOLIO 21
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Liabilities portfolio Current Deposit9%Savings Deposit18%Term Deposit < 3 Cr48%Term Deposit 3 Cr to 50 Cr17%Term Deposit > 50 Cr8%Deposit Mix 22
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Advances PortfolioQ2 FY 2026Q4 FY 2026Q2 FY 2027Particulars90,374108,434119,374Agriculture (including JL)230,876250,042280,844M S M E65,73665,18467,414Retail (excluding Non Agri JL)81,541107,413115,733Non Agri Gold Loans30,32549,40841,636Commercial Real Estate14,41217,37216,301N B F C 20,55621,88619,837Loans to Business Enterprises 16,00015,51222,605Large Industries / Services 25,79231,73740,671All other Loans575,612666,988724,415Total Advances (in INR Mn) 23
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Gold loan book – 30thSeptember 2026(in INR Mn) Gross Weight30 TonsAverage Yield10.69%of Total Advances30%81,75480,10187,17791,9721,01,52581,54191,9941,07,4131,15,1811,15,733Sep'25 Dec'25 Mar'26 Jun'26 Sep'26AJLNAJL 24 Sep-26Jun-26Mar-26Dec-25Sep-25GOLD LOAN PORTFOLIO101,52591,97287,17780,10181,754Gold Loan – Agriculture115,733115,181107,41391,99481,541Gold Loan – Non-Agriculture217,258207,153194,590172,095163,295Total Gold Loans724,415676,454666,988608,920575,612Gross Advances30%31%29%28%28%% of Gold Loans to Gross Advances
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Investments – at aglanceInvestments Breakup and Category wise(in INR Mn) Sep’25Sep’26Category41,33160,193A F S132,627140,702H TM1,5491,463FVTPL (including H F T)175,507202,358Total Sep’25Sep’26M-Duration3.163.11A F S4.004.66H TM1.772.58FVTPL (including H FT)3.794.19Total portfolio99% of Investments in SLR securities with an yield of 7.03% AFS 29%HTM 70%FVTPL (incl HFT) 1%Investments 25
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ASSET QUALITYMETRICS 26
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19,33219,20218,54416,38212,73110,4304.70%4.37%3.99%3.09%1.91%1.44%0.00%1.00%2.00%3.00%4.00%5.00%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-2611,91110,1768,9876,5314,4943,4422.95%2.36%1.97%1.25%0.68%0.48%0.00%1.00%2.00%3.00%4.00%5.00%Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Asset qualityGROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA %(in INR Mn) 27
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Asset quality position – movement over the yearsH1 FY 27Q2 FY 27Mar-26MAR-25MAR-24MAR-23MAR-22MAR-21(In INR MN)12,73111,69716,38218,54419,20219,33218,93214,134NPA Opening balance3,7011,7517,4498,14910,13513,29012,75711,131AAdditions2,2021,0954,4165,8155,0565,7644,4241,950Recovery made1,4177032,6972,5293,1042,3611,638264Upgradations82-47336-1951,9755,1656,5938,917BNet Addition2,3831,2203,9871,9672,6335,2956,2954,119Write-off10,43010,43012,73116,38218,54419,20219,33218,932NPA Closing balance1,9068053,8731,6222,3293,6065,7343,961Technical Write-off(TW) during the period1,2006002,5402,5503,2706,9005,5355,990CProvision made during the period1,6071,3702,2912,0772,1522,9421,8831,033DTW recovery-407-7702494731,1183,9583,6524,957E=C-DProvision made net of TWRecovery724,415724,415666,988530,664464,815439,708411,560370,205FGrossAdvance*0.51*0.241.121.542.183.023.103.01A / FAdditions % of GrossAdvance*0.01*-0.010.05-0.040.421.171.602.41B / FNet Addition % of Gross Advance*-0.06*-0.110.040.090.240.900.891.34E / FCredit cost (after adjusting TW income)1.441.441.913.093.994.374.705.11Gross NPA %0.480.480.681.251.972.362.952.97Net NPA %* Not annualized 28
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Sep-26Mar-26Mar-25Mar-24Sep-21Type of RestructuringAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowersAmtNo. ofBorrowers1,212622,534892,8701044,22913815,398333M S M E----------------22031Non – M S M E2,2254662,5815424,0206955,0629016,8601612Covid-19 Resolution Framework3,4375285,1156316,8907999,2911,03922,4781976Total724,415666,988530,664446,815380,122Gross Advances0.47%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 30.09.2026, the total outstanding restructured Standard borrower accounts was 528 in numbers and amounting to Rs. 3,437 mn. Quarter wise balance outstanding in respect of Restructured Standard borrowers(In INR Mn) 29
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TECHNOLOGYADOPTION 30
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31 Products Offerings New InitiativesFuture Ready SolutionsProductsDesigned for every needInformation Security Powering Secure Banking Interactive SmartStatementConversational BotnapID Spam FilterCo- Branded Credit CardsXorkeeNew Net/MobileBanking Pay toContact Set Card Limitforex/tradecustomer portal Secure Credit CardSet Transaction LimitCredit line on UPI UPI ATMUPIBIO-Authentication Loan Against Mutual Fund NewDigital Offerings
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BANKING AT YOUR FINGERTIPSALLINONECUB'S NEWMOBILE BANKING APP Launched New ALL IN ONE Mobile Banking APP 3250+ Services OnlineUPI PaymentsQR Code LoginSplit PaymentsBeneficiaryManagementUnified all New Dashboard
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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.33
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API BANKINGCorrespondentBanking DigitalLendingDigitalInsuranceCustomerOnboardingPaymentsOpen Banking / BAPA Services Digital MarketingDigitization / AutomationAggregatorsBureauFinancial inclusionCRMCorrespondentBanking SecurityCustomer OnboardingMerchants/CollectionsConversational BotCredit CardStrategicPartnerships SecurityConnected Banking SolutionAI/ML 34
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35 GFF–2026Unveiling the 12 Future of Digital Banking at Global Fintech Fest, Mumbai on Sep 9th - 11th, 2026
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37 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.
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38 Award Received DuringQ2 2026 Rising Star Winner Runner-Up Best AssetQuality Management Best Bank (Small Pvt. Sector Bank Category)AI & ML Implementation4thICC Emerging Asia Banking Conclave & Awards 2026
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39 Award Received DuringQ2 2026Best Data Quality Award Private Consumer Emerging - Silver Cyber Resilience of the Year 5th IBA CISO Summit & Citations 2026, MumbaiAI/ML – Predictive Analysis Finnoviti 2026 Award
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BANK’SNETWORK 40
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Branch NetworkBranches by Centre Type Metro253Urban242Semi-urban301Rural2532423012061002Branches 590216662513736291320634812415143161 20641
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SHAREHOLDINGPATTERN 42
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Major Institutional Shareholders * Subsidiaries/Associates are consolidated HOLDING %SHAREHOLDERS*9.15HDFC AMC *8.39SBI AMC *4.96AXIS MUTUAL FUND3.33HSBC MUTUAL FUND3.69EDELWEISS FUND3.18KOTAK FUNDS2.10VANGUARD GROUP1.80FRANKLIN INDIA MUTUAL FUND1.83TATA GROUP1.63NIPPON INDIA FUND1.52ADITYA BIRLA GROUP1.41CANARA ROBECCO FUND1.22BANK MUSCAT INDIA FUND1.18ISHARES EQUITY FUND A well Diversified Investor Baseposition as on 30thSeptember 2026 Public30.55%37.55%MF, IFI, Banks17.40%FPI9.35%QIB1.63%Corp Bodies0.98%NRI 2.54%Others43
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CORPORATEGOVERNANCE 44
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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. 45
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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. 46
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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 47
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TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES 48 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.48
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CONTACT INVESTOR CONTACTRaguraman Gopu · Mob: +91 77088 49222raguraman@cityunionbank.in 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 49