City Union Bank (CUB) investor relations material

Executive summary

• Leadership transition announced as MD & CEO completes 15-year tenure, with R. Vijay Anandh to take over from May 1, 2026.

• Celebrated 120 years of operations, maintaining focus on MSME, retail, and trade lending, with robust risk management and technology adoption.

• Board approved audited standalone financial results for FY 2025-26, with an unmodified audit opinion.

• Pan-India presence with 949 branches, stronghold in South India, and a diversified investor base.

• Recognized for technology adoption, winning multiple IBA Technology Awards in 2026.

Financial highlights

• Advances grew 26% year-over-year to INR 66,698 crore; deposits up 23% to INR 78,308 crore; total business rose 24% to INR 1,450,068 Mn.

• Net profit for FY26 was INR 1,326 crore, up 18% year-over-year; Q4 FY26 net profit at INR 360 crore, up 25%.

• Interest income rose 21% in Q4 and 18% for the year; other income up 16% to INR 1,039 crore.

• Operating profit increased 20% to INR 2,014 crore for FY26.

• Return on Assets at 1.56%, Return on Equity at 13.35%, Net Interest Margin at 3.74%.

Outlook and guidance

• Advances growth targeted at 2%-3% above industry, with MSME to remain 55%-60% of the book.

• Net interest margin expected to remain stable in FY27 within a narrow 5-10 bps band.

• ROA guidance for FY27 is 1.65%-1.67%, with cost-to-income ratio expected to rise due to branch expansion.

• Maintains focus on MSME and granular lending, with digital initiatives and technology upgrades to drive future growth.

• Strong capital adequacy (CRAR 21.92%) supports continued expansion and risk absorption.