City Union Bank reported strong financial performance for FY 2022. Deposits grew 7% to INR 476,897 million and advances grew 11% to INR 411,560 million. Net profit increased 28% to INR 7,602 million compared to the previous year. Key ratios showed improvement with return on assets at 1.35% compared to 1.15% last year and return on equity at 12.31% versus 10.73% in FY 2021. The bank continues to maintain a strong capital adequacy ratio of 20.85% and net NPA of 2.95%, indicating prudent risk management. Overall, City Union Bank delivered another year of profitable growth backed by its focus on MSME and retail lending.

1. MARCH 2022

2. Disclaimer
No representation or warranty, express or implied is made as to, and no
correctness of such information or opinions contained herein. The information
Certain statements made in this presentation may not be based on historical
including those relating to the bank’s general business plan’s and strategy,
including those relating to the bank’s general business plan’s and strategy,
developments in the industry and regulatory environment. Actual results
to a number of factors, including future changes or developments in the
legal and social conditions in India. This communication is for general information
situations and needs of any particular person. This presentation does
shares in the bank and neither any part of it shall form the basis of
whatsoever. The bank may alter, modify or otherwise change in any manner
person of such revisions or changes.This presentation should not be copied
no reliance should be placed on the fairness, accuracy, completeness or
information contained in this presentation is only current as of its date.
historical information or facts and may be “forward looking statements”,
strategy, its future financial condition and growth prospects and future
strategy, its future financial condition and growth prospects and future
results may differ materially from these forward-looking statements due
the bank’s business, its competitive environment and political, economic,
information purpose only, without regard to specific objectives, financial
not constitute an offer or invitation to purchase or subscribe for any
of or be relied upon in connection with any contract or commitment
manner the content of this presentation, without obligation to notify any
copied and/or disseminated in any manner.
2

3. TABLE OF CONTENTS
Overview Performance Highlights
4 10
Overview
Branch Network
Performance Highlights
March 2022
Shareholding Pattern
38 40
CONTENTS
Highlights – Financial Performance &
14
Highlights –
March 2022
Pattern
Financial Performance &
Business Profile
Corporate Governance
42
3

4. OVERVIEW
OVERVIEW
OVERVIEW
OVERVIEW
4

5. Deposits
INR 47,690 CR
Advances
INR 41,156 CR
OVERVIEW
City Union Bank Ltd., the oldest Private Sector Bank in India,
Kumbakonam,Tamil Nadu, India.
The main focus of the Bank – lending to MSME, Retail / Wholesale
and long term loans to agricultural sector.
FACTS & FIGURES
Position as on 31.03.2022
INR 47,690 CR
Net NPA
2.95%
ATM’s
1,732
Employees
5,367
Efficiency Ratio
40.37%
INR 41,156 CR
INR 41,156 CR
Net Interest Margin
3.98%
India, was founded on October 31, 1904 and is headquartered at
WholesaleTrade with granular asset profile including providing short term
Branches
727
INR 41,156 CR 3.98%
5

6. KEY MILESTONES
Scheduled bank since
22.03.1945
Amalgamation of ‘TheCity
Forward Bank Limited’ &
‘The Union Bank Limited’
with our Bank
Entered into
agreement withTCS
for core banking
solution“Quartz”
1904
1945
1957
1965
1998
2002
Incorporation
of the Bank
Took over
CommonWealth
Bank Limited
Initial Public Offering
(IPO); Listing bank’sshares
on the
BSE, NSE & MSE
Obtained licenses
to act as a agent
for procuring
insurance
insurance
2012
2017
TCS
banking
“Quartz”
Preferential allotment
for equity shares
strengthening
bank’s capital funds
Rights Issue @ 1 : 4-
to reward the existing
shareholders & employees
under “Employee
Reservation Scheme”
Bonus Issue @
1 : 10-
rewarded
to the existing
Shareholders
2003
2007
2009
2012
2014
2017
2018
&
Obtained licenses
to act as a agent
for procuring life
insurance & general
insurance business
Rights Issue @
1 : 4 - toreward
the existing
shareholders
Raised
INR Rs.3,500 mn in
Equity capital
Through QIP route
6

7. SME / MSME
focus
Prudent Risk
Management
SME/MSME specialized
business model focusing
on large untapped
segment
Segment consistently
SME exposures’ result in
granular asset profile
Granular deposit base with
high retention rates result in
stable liability profile
CITY UNION BANK - A SPECIALIZED BANKING
SEGMENT – SME / MSME
Segment consistently
delivering higher yields
Superior client servicing
leading to client retention
and low business
acquisition costs
stable liability profile
SME / MSME Loans result
in lower NPA as theyare:
Additionally collateralised
by residential property and
personal guarantees etc.
Predominantly single
banker relationships
with minimal exposure
to consortium / multiple
banking arrangements /
infrastructure lendings.
10 year CAGR of 20%+
Invested in
Robust Infrastructure
Purely retail
Liability Franchise
Comprehensive
employee training
and recruitment
infrastructure through
staff training college
No Certificate of Deposit
No reliance on Corporate
bulk deposits
BANKING MODEL ALIGNEDTOTARGET
staff training college
All branches and 100%
business under CBS
fromTCS
Consistent Return with Superior ROA, ROE
7

8. COMPETITIVE ADVANTAGES
ADEQUATELY CAPITALISED
NETWORK
Pan India presence with 727 branches
Strong presence in South India (644 branches)
of which 495 are inTamil Nadu alone
MSME /TRADING PORTFOLIO
Trading and MSME loan segments constitute
about 51% of advances
ADEQUATELY CAPITALISED
Strong Capital Adequacy ratio of 20.85%
out of whichTier 1 constitutes 19.78%
STRONG TRACK RECORD
Continuous profitability and dividend payout in all
116+ years of operations
Business growth of 20%+ CAGR in last 10 years
ROBUST CORPORATE
GOVERNANCE PRACTICES
GOVERNANCE PRACTICES
Strong board with majority of directors
being independent directors
Consistency in management with only 7
CEOs appointed in 100+ years
DIVERSIFIED ASSET PROFILE
Granular asset profile with advances to top 20
group borrowers contributing around 5.42%
Lower ticket size lending backed by adequate
collaterals
8

9. CREDIT RATING
ICRA has assigned
“AA-” for LongTerm - issuers with this rating are considered to
financial obligations.
“A1+-” for Certificate of Deposits (CD) - issuers with this rating
regarding timely payment of financial obligations.
CRISIL has assigned
CRISIL has assigned
“A1+” for Certificate of Deposits (CD) - issuers with this rating
regarding timely payment of financial obligations.
to have “High Degree of Safety” regarding timely servicing of
this rating are considered to have “Strong Degree of Safety”
this rating are considered to have “Very Strong Degree of Safety”
9

10. PERFORMANCE HIGHLIGHTS
PERFORMANCE HIGHLIGHTS
PERFORMANCE HIGHLIGHTS – MARCH 2022
PERFORMANCE HIGHLIGHTS – MARCH 2022
10

11. Q4 FY 22 / FY 21-22 PERFORMANCE – A SNAPSHOT
Deposits increased by 7% from Rs.445 Bn to Rs.477 Bn Y-o-Y
Advances registered a growth of 11% from Rs.370 Bn to Rs.412
Total business grown by 9% from Rs.816 Bn to Rs.888 Bn Y-o-Y
Gross Profit increased by 47% from Rs.2,987 Mn to Rs.4,398 Mn
Net Profit increased by 88% from Rs.1,112 Mn to Rs.2,089 Mn (Q4
Profitability and efficiency ratios :
PARTICULARS Q4 FY 22 Q4 FY 21 FY 2021-22
Gross NPA – 4.70% and Net NPA – 2.95%
Provision Coverage Ratio – 64%
CRAR – 20.85% (Basel III) of which core CRAR – 19.78%
PARTICULARS Q4 FY 22 Q4 FY 21 FY 2021-22
Return on Assets 1.42% 0.84% 1.35%
Net Interest Margin 4.01% 3.72% 3.98%
Return on Equity 13.15% 7.85% 12.31%
Earning per share Rs.2.83 Rs.1.51 Rs.10.29
A SNAPSHOT
to Rs.412 Bn Y-o-Y
Mn (Q4-Vs-Q4) and 9% from Rs.14,678 Mn to Rs.15,953 Mn (Y-o-Y)
(Q4-Vs-Q4) and 28% to Rs.7,602 Mn from Rs. 5,928 Mn (Y-o-Y)
22 FY 2020-21
11
22 FY 2020-21
1.15%
4.00%
12.31% 10.73%
Rs.10.29 Rs.8.03

12. Q4 FY 22 VS Q4 FY 21 PERFORMANCE
476,897
445,373
Deposits
7%
4,398
411,560
370,206
Advances
2,089
11%
2,987
Gross Profit
1.42%
ROA
13.15%
ROE
4.01%
NIM
4,398 2,089
1,112
Net Profit
88%
47%
Q4 FY 22 VS Q4 FY 21 PERFORMANCE – A SNAPSHOT
888,457
815,579
Total Business
9%
5,007
155,294
129,814
CASA
37.49%
20%
(in INR Mn)
4.01%
NIM
4.70%
Gross NPA
2.95%
Net NPA
Q4 FY 22 Q4 FY 21
5,007
4,285
Net Interest
Income
17%
37.49%
49.17%
Cost to Income
12
%

13. FY 22 VS FY 21 PERFORMANCE – A SNAPSHOT
476,897
445,373
Deposits
7%
15,953
411,560
370,206
Advances
7,602
11%
14,678
Gross Profit
1.35%
ROA
12.31%
ROE
3.98%
NIM
15,953 7,602
5,928
Net Profit
28%
9%
A SNAPSHOT (in INR Mn)
888,457
815,579
Total Business
9%
19,165
155,294
129,814
CASA
40.37%
20%
3.98%
NIM
4.70%
Gross NPA
2.95%
Net NPA
FY 22 FY 21
19,165
18,297
Net Interest
Income
5%
40.37%
41.72%
Cost to Income
13
%

14. FINANCIAL PERFORMANCE & BUSINESS
FINANCIAL PERFORMANCE & BUSINESS
PERFORMANCE & BUSINESS PROFILE
PERFORMANCE & BUSINESS PROFILE
14

15. FY 22 VS FY 21 PERFORMANCE - A SNAPSHOT
FINANCIAL PERFORMANCE
PARTICULARS FY 2022 FY 2021
Deposits 476,897 445,373
Advances 411,560 370,206
Total Business 888,457 815,579
Demand Deposits 46,193 37,537
Saving Deposits 109,101 92,277
Saving Deposits 109,101 92,277
CASA 155,294 129,814
Gross NPA 19,332 18,932
Net NPA 11,911 10,752
Gross NPA (%) 4.70% 5.11%
Net NPA (%) 2.95% 2.97%
C R A R (BASEL – III) 20.85% 19.52%
- Of whichTierI 19.78% 18.45%
CD Ratio 86% 83%
PCR 64% 64%
SNAPSHOT
INC / (DEC) Growth Growth % Q3 FY 22
31,524 7% 467,217
41,354 11% 383,871
72,878 9% 851,088
8,656 23% 41,261
16,824 18% 97,923
(in INR Mn)
16,824 18% 97,923
25,480 20% 139,184
19,986
12,959
5.21%
3.44%
19.39%
18.34%
82%
62%
15

16. Q4 FY 22 VS Q4 FY 21 PERFORMANCE -
FINANCIAL PERFORMANCE
PARTICULARS Q4 FY 22 Q4 FY 21
Net Interest Income 5,007 4,285
Other Income 2,029 1,591
Operating Expenses 2,638 2,889
Gross Profit 4,398 2,987
Provisions & Contingencies 2,309 1,875
Provisions & Contingencies 2,309 1,875
Net Profit 2,089 1,112
Return onAssets 1.42% 0.84%
Return on Equity 13.15% 7.85%
Net Interest Margin 4.01% 3.72%
- A SNAPSHOT (in INR Mn)
INC / (DEC) Growth % Q3 FY 22
722 17% 4,900
438 28% 1,600
-251 -9% 2,804
1411 47% 3,696
434 23% 1,735
434 23% 1,735
977 88% 1,961
1.36%
12.49%
4.00%
16

17. FY 22 VS FY 21 PERFORMANCE - A SNAPSHOT
FINANCIAL PERFORMANCE
PARTICULARS FY 22 FY 21
Net Interest Income 19,165 18,297
Other Income 7,591 6,887
Operating Expenses 10,803 10,506
Gross Profit 15,953 14,678
Provisions & Contingencies 8,351 8,750
Provisions & Contingencies 8,351 8,750
Net Profit 7,602 5,928
Return onAssets 1.35% 1.15%
Return on Equity 12.31% 10.73%
Net Interest Margin 3.98% 4.00%
SNAPSHOT (in INR Mn)
INC / (DEC) Growth %
868 5%
704 10%
297 3%
1,275 9%
-399 -4%
-399 -4%
1,674 28%
17

18. PROVISIONS & CONTINGENCIES – BREAKUP
PARTICULARS Q4 FY 22 Q4 FY 21
Provision for:
-Tax 600
- Bad Debts 1,150
- Contingency / Covid 19 450
- Standard Assets 100
- Restructuring / FITL -
- Restructuring / FITL -
- Others 9
Total 2,309
BREAKUP (in INR Mn)
Q4 FY 21 FY 21-22 FY 20-21
- 650 2,250 1,000
4,860 5,535 5,990
- 3,090 - 80 310
425 550 1,045
40 107 265
40 107 265
290 -11 140
1,875 8,351 8,750
18

19. Q4 FY 22 VS Q4 FY 21 – INCOME AND EXPENSES
INTEREST INCOME BREAKUP
PARTICULARS
Q4 FY
22
Q4 FY
21
Growth %
Interest on Loans 8,702 8,261 5%
Interest on Investments 1,745 1,436 22%
Other Interest Income 52 66 -20%
Total Interest Income 10,499 9,763 8%
OTHER INCOME BREAKUP
Total Interest Income 10,499 9,763 8%
PARTICULARS
Q4 FY
22
Q4 FY
21
Growth %
CEB & Charges 788 768 3%
Treasury Income 502 436 15%
Other Inc incl recoveries
in written off a/cs
739 387 91%
Total Other Income 2,029 1,591 28%
(in INR Mn)
EXPENSES BREAKUP
INTEREST EXPENSES BREAKUP
PARTICULARS
Q4 FY
22
Q4 FY
21
Growth %
Int Exp on Deposits 5,153 5,383 -4%
Other Int Expenses 340 95 258%
Total Interest
Expenses 5,493 5,478 1%
19
OPERATING EXPENSES BREAKUP
Expenses 5,493 5,478 1%
PARTICULARS
Q4 FY
22
Q4 FY
21
Growth %
Employee Cost 1,136 1,072 6%
Other Operating
Expenses
1,502 1,817 -17%
Total Operating Expenses 2,638 2,889 -9%

20. FY 22 VS FY 21 – INCOME AND EXPENSES
INTEREST INCOME BREAKUP
PARTICULARS
FY
2022
FY
2021
Growth %
Interest on Loans 34,540 35,078 -2%
Interest on Investments 6,305 5,828 8%
Other Interest Income 203 441 -54%
Total Interest Income 41,048 41,347 -1%
OTHER INCOME BREAKUP
Total Interest Income 41,048 41,347 -1%
PARTICULARS
FY
2022
FY
2021
Growth %
CEB & Charges 2,921 2,616 12%
Treasury Income 2,461 3,093 -20%
Other Inc incl recoveries
in written off a/cs
2,210 1,178 88%
Total Other Income 7,591 6,887 10%
(in INR Mn)
EXPENSES BREAKUP
INTEREST EXPENSES BREAKUP
PARTICULARS
FY
2022
FY
2021
Growth %
Int Exp on Deposits 21,197 22,348 -5%
Other Int Expenses 686 703 -2%
Total Interest
Expenses 21,883 23,051 -5%
20
OPERATING EXPENSES BREAKUP
Expenses 21,883 23,051 -5%
PARTICULARS
FY
2022
FY
2021
Growth %
Employee Cost 5,036 4,637 9%
Other Operating
Expenses
5,767 5,869 -2%
Total Operating Expenses 10,803 10,506 3%

21. DEPOSITS AND ADVANCES GROWTH –
DEPOSITS
3,28,526
3,84,480 4,08,325
4,45,370
4,76,897
10%
CAGR
6,10,912
7,15,132 7,54,087
8,15,579 8,88,457
BUSINESS
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
10%
CAGR
OVERTHEYEARS (in INR Mn)
ADVANCES
2,82,386
3,30,652 3,45,762 3,70,206
4,11,560
11%
CAGR
21
CASA
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
79,567
96,982 1,01,970
1,29,814
1,55,294
17%
CAGR
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022

22. 14,303
16,115 16,752
18,297 19,165
INCOME GROWTH OVER THE YEARS…
NET INTEREST INCOME GROWTH
10%
CAGR
2,561
2,936 3,076
2,616
2,921
CEB GROWTH
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
6%
CAGR
* Decline in CEB income during FY 20-21 mainly due to restriction by Finance Ministry for waiver of service charges at the time
*
5,321 5,144
6,799 6,887
7,591
INCOME GROWTH OVER THE YEARS… (in INR Mn)
OTHER INCOME GROWTH
10%
CAGR
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
22
12,078 12,400
13,414
14,678
15,953
OPERATING PROFIT GROWTH
31-MAR-2018 31-MAR-2019 31-MAR-2020 31-MAR-2021 31-MAR-2022
10%
CAGR
21 mainly due to restriction by Finance Ministry for waiver of service charges at the time COVID first wave

23. KEY BUSINESS INDICATORS
PARTICULARS Q4 FY 22
Cost of Deposits
Yield on Advances
Yield on Investments
Net Interest Margin
Cost to Income 37.49%
Cost to Income 37.49%
Cost of Funds
Yield of Funds
Per Employee Business (in INR Mn) 165.45
Per Employee Profit (in INR Mn) (Ann)
EPS in INR - FV INR Re.1/- share (NotAnn)
*  Net Interest Margin for Q4 FY 21 stands reduced to 3.72% because of reversal
months from Feb 20 to March 21 subsequent to the SC verdict for the slippage
during Q2 & Q3 FY 21 to tune of Rs.550 Mn, the net reversal in Q4 stands
been at normal level of 4% plus. Same is the reason for decline inYield on Advances
Q4 FY 22 Q4 FY 21 FY 21-22 FY 20-21
4.54% 5.05% 4.68% 5.36%
9.26% * 9.19% 9.36% 9.91%
5.70% 5.76% 5.71% 5.86%
4.01% * 3.72% 3.98% 4.00%
37.49% * 49.17% 40.37% 41.72%
23
37.49% * 49.17% 40.37% 41.72%
3.74% 4.15% 3.88% 4.46%
7.16% 7.40% 7.28% 7.99%
165.45 139.38 165.45 139.38
1.56 0.76 1.42 1.01
2.83 1.51 10.29 8.03
reversal of interest on NPA accounts to the tune of Rs.1250 Mn for the period of 13
slippage of Rs.1110 0 Mn. Considering the provision made towards interest reversal
stands at Rs.700 Mn. If this impact is nullified the NIM for Q4 FY 2021 would have
Advances and elevated Cost to Income Ratio.

24. KEY BUSINESS RATIOS – YEARLY TRENDS
NET INTEREST MARGIN
4.42%
4.32%
3.98% 4.00% 3.98%
3.00%
3.50%
4.00%
4.50%
5.00%
COST OF FUNDS
3.00%
31-MAR-18 31-MAR-19 31-MAR-20 31-MAR-21 31-MAR-22
5.34%
5.18% 5.21%
4.46%
3.88%
3.50%
4.00%
4.50%
5.00%
5.50%
6.00%
6.50%
31-MAR-18 31-MAR-19 31-MAR-20 31-MAR-21 31-MAR-22
YEARLY TRENDS
RETURN ONASSETS
1.60%
1.64%
1.00%
1.15%
1.35%
0.90%
1.00%
1.10%
1.20%
1.30%
1.40%
1.50%
1.60%
1.70%
24
0.90%
31-MAR-18 31-MAR-19 31-MAR-20 31-MAR-21 31-MAR-22
YIELD ON FUNDS
9.21%
9.06%
8.72%
7.99%
7.28%
7.00%
7.50%
8.00%
8.50%
9.00%
9.50%
10.00%
31-MAR-18 31-MAR-19 31-MAR-20 31-MAR-21 31-MAR-22

25. COST OF DEPOSITS & YIELD ON ADVANCES
13.56 13.49 13.43 13.18
12.83
12.10
8.11
8.44 8.37 8.15
10
12
14
16
Spread between cost of deposits and yield on advances of our bank maintained
8.11
8.44 8.37 8.15
7.62
6.82
0
2
4
6
8
Mar 12 Mar 13 Mar 14 Mar 15 Mar 16 Mar 17
COST OF DEPOSITS & YIELD ON ADVANCES
12.10
11.46
10.95 10.76
9.91
9.36
(in %)
cost of deposits and yield on advances of our bank maintained in the last 10 years
25
6.82
6.29 6.17 6.20
5.36
4.68
Mar 17 Mar 18 Mar 19 Mar 20 Mar 21 Mar 22
Yield on
Advances
Cost of
Deposits

26. EFFICIENCY
COST INCOME RATIO (%)
38.46
42.47
42.12
41.72
40.37
BUSINESS PER EMPLOYEE
(in INR Mn)
31-Mar-2018 31-Mar-2019 31-Mar-2020 31-Mar-2021 31-Mar-2022
114.77
129.60 131.32 139.38
165.45
31-Mar-2018 31-Mar-2019 31-Mar-2020 31-Mar-2021 31-Mar-2022
24.22 25.22 24.97
29.15
32.56
CASA RATIO (%)
PROFIT PER EMPLOYEE
(in INR Mn)
26
31-Mar-2018 31-Mar-2019 31-Mar-2020 31-Mar-2021 31-Mar-2022
1.11
1.24
0.83
1.01
1.42
31-Mar-2018 31-Mar-2019 31-Mar-2020 31-Mar-2021 31-Mar-2022

27. LOAN BOOK – PRODUCTS COMPOSITION
% toTotal
Advances
Bills Purchased &
Bills Discounted
Term Loan
Cash Credit &
Demand Loan
1%
37%
Demand Loan
62%
Loan Book Products Composition Amount
Cash Credit & Demand Loan
Term Loan
Bills Purchased & Bills Discounted
Gross LoanTotal
PRODUCTS COMPOSITION
Working capital loans yielding higher
interest constitute 62% of advances
Re-pricing possible at short intervals
thus reducing interest rate risk
Re-pricing possible at short intervals
thus reducing interest rate risk
Amount (INR Mn) % toTotalAdvances
255,529 62%
153,848 37%
2,183 1%
411,560 100%
27

28. LOAN BOOK SECTORAL DEPLOYMENT
4%
3%
2%
Large
Industries
6,563
Others
16,087
2%
1%
RetailTraders
12,385
Personal Loans
9,345
Housing Loan
JL Non-Agri
31,749 8%
7%
5%
C R E
30,355
SECTORAL
DEPLOYMENT
WholesaleTraders
36,836 9%
Housing Loan
19,987
Further to the new criteira for classifying MSMEs vide RBI circular dated 02nd
composite criteria of Investment &Turnover. Due to that roughly about 5% got shifted
LOAN BOOK SECTORAL DEPLOYMENT – POSITION AS ON 31.03.2022 (in INR Mn)
Infrastructure
3,484
NBFC
4,180
1%
Loans collateralized
by Deposits 6,871
M S M E
160,714
18%
Agriculture
73,004
28
SECTORAL
DEPLOYMENT
39%
nd July 2020, we have re-classified the borrowal accounts based on the
shifted to Medium Enterprises from Large Industries.

29. Total
Particulars Amount
Secured Loans
Unsecured Loans
LOAN BOOK SECTORAL DEPLOYMENT
SECURED & UNSECURED ADVANCES
Trading & MSME loans constitute about
Diversified credit portfolio reduces credit
backed by adequate collaterals
UnsecuredAdvances aggregate to
Total Jewel Loan outstanding as on 31.03.2022
411,560 100%
Amount (INR Mn) (%)
408,882 99%
2,678 1%
N BOOK SECTORAL DEPLOYMENT – POSITION AS ON 31.03.2022 (in INR Mn)
constitute about 51%
reduces credit risk and Lower ticket size
to 1%
outstanding as on 31.03.2022 – Rs.90,033 Mn
29

30. TEXTILE
a) Cotton
b) Other Textiles
METALS
a) Iron & Steel
b) Other Metals
Loan Book – Advances to Major Industries
Advances to Major Industries
18,224 (4%)
23,832
9,568 (2%)
7,412 (2%)
-1% 1% 2% 3% 4% 5% 6% 7%
APER & PAPER PROD
FOOD PROCESSING
CHEMICALS
RUBBER & PLASTICS
ENGINEERING
ICLE & AUTOPARTS
OTHER INDUSTRIES
5,858 (1%)
4,334 (1%)
3,954 (1%)
6,051 (2%)
1,922 (1%)
4,724 (1%)
7,063 (2%)
Advances to Major Industries 31st March 2022
Industry Name
Amount
(in INR Mn)
% to Total
Advances
23,832 (6%)
Corporate Governance
(in INR M n
7%
Advances to Major
Industries
92,942 23%
All other advances
(Agri,Trade, Service, Gold
Loan, etc.)
318,618 77%
Total Gross Advances 411,560 100%
30

31.  In the last few quarters the bank has concentrated more on Gold
FY 21 to Rs. 90,033 Mn in FY 22.
LOAN BOOK - DRIVERTO GROWTH – Q4
GOLD LOAN PORTFOLIO Mar
Gold Loan – Agriculture 30,504
Gold Loan – Non-Agriculture 34,901
Total Gold Loans 65,405
Gross Advances 370,206
Gross Advances 370,206
% of Gold Loans to Gross Advances 18%
30504 33022
44877
51186
58182
34901
36038
33616
30511
31851
MAR'21 JUN'21 SEP'21 DEC'21 Mar'22
AGRI NON-AGRI
65405 69060
78493
90033
81697
Non Agri Gold Loan portfolio stands reduced to 7.74% to total Advances as on Mar-22 from
Loan portfolio which is increased by 38% from Rs.65,405 Mn in
Q4 FY 22
(in INR Mn)
Mar-21 Dec-21 Mar-22
30,504 51,186 58,182
34,901 30,511 31,851
65,405 81,697 90,033
370,206 383,871 411,560
31
370,206 383,871 411,560
18% 21% 22%
Average LTV for Gold Loan at – 69%
Growth in Gold Loan – 38%
(Mar-21 to Mar-22)
58182
31851
Mar'22
90033
from 9.43% last year.

32. 14,134
18,932
19,986
19,332
5.11%
5.21%
4.70%
ASSET QUALITY
GROSS NPA QTM & GROSS NPA %
8,566
9,771
3.03%
2.95%
4.09%
5.11%
4.70%
31-Mar-18 31-Mar-19 31-Mar-20 31-Mar-21 31-Dec-21 31-Mar-22
7,785
10,752
12,959
11,911
NET NPA QTM & NET NPA %
(in INR Mn)
32
4,748
5,915
7,785
1.70% 1.81%
2.29%
2.97%
3.44%
2.95%
31-Mar-18 31-Mar-19 31-Mar-20 31-Mar-21 31-Dec-21 31-Mar-22

33. ASSET QUALITY POSITION – MOVEMENT
(In INR MN) FY MAR-17 FY MAR
NPA Opening balance 5,120 6,820
Additions A 4,796 5,749
Recovery made 905 1,623
Upgradations 556
NetAddition B 3,335 3,693
Write-off 1,635 1,948
NPA Closing balance 6,820 8,565
TechnicalWrite-off (TW) during the period 1,564 1,836
Provision made during the period C 2,515 3,030
TWrecovery D 470
Provision made net of TWRecovery E=C-D 2,045 2,326
GrossAdvance F 241,125 282,386
Additions % of GrossAdvance A / F 1.99
NetAddition % of Gross Advance B / F 1.38
Credit cost E / F 0.85
Gross NPA % 2.83
Net NPA % 1.71
MOVEMENT OVERTHE YEARS
MAR-18 FY MAR-19 FY MAR-20 FY MAR-21 Q4 FY 22 FY MAR-22
6,820 8,565 9,771 14,134 19,986 18,932
5,749 6,322 11,104 11,131 2,208 12,757
1,623 1,980 1,644 1,950 1,424 4,424
433 496 1,358 264 682 1,638
3,693 3,846 8,102 8,917 102 6,593
1,948 2,640 3,739 4,119 756 6,295
8,565 9,771 14,134 18,932 19,332 19,332
1,836 2,565 3,670 3,961 560 5,734
3,030 2,700 6,310 5,990 1,150 5,535
704 898 1,090 1,033 661 1,883
2,326 1,802 5,220 4,957 489 3,652
82,386 330,652 345,762 370,205 411,560 411,560
2.04 1.91 3.21 3.01 0.54 3.10
1.31 1.16 2.34 2.41 0.02 1.60
0.82 0.54 1.51 1.34 0.12 0.89
3.03 2.95 4.09 5.11 4.70 4.70
1.70 1.81 2.29 2.97 2.95 2.95
33

34. ASSET QUALITY – GOLD LOAN PORTFOLIO
(In INR MN) No. of A/cs
Gold Loan –Total 742,603
Of which,
- StandardAccounts 742,017
- N P A 586
Gross NPA
% of Gold Loan NPA to Gold Loan Portfolio
% of Gold Loan NPA to Gross NPA
GOLD LOAN PORTFOLIO
Balance
742,603 90,033
742,017 89,957
586 76
19,332
0.08%
0.39%
34

35. Type of Restructuring
Mar-21 Jun-21
No. of
Borrowers
Amt
No. of
Borrowers
Amt
M S M E 305 12319 299 12629
Non – M S M E 35 224 33 218
RESTRUCTURED ACCOUNTS
Quarterwise balance outstanding in respect of Restructured Standard
Non – M S M E 35 224 33 218
Covid-19 Resolution
Framework
949 5950 1356 6996
Total 1289 18493 1688 19843
The above disclosure is in respect of Restructured Standard Accounts excluding
Restructured Standard Advances to Gross Advances – 5.31% as on Mar-22
As of FY 22, the total outstanding restructured Standard borrower accounts
hold a standard accounts provision wrt Restructured accounts to the tune
accounts.
Sep-21 Dec-21 Mar-22
No. of
Borrowers
Amt
No. of
Borrowers
Amt
No. of
Borrowers
Amt
333 15398 314 15226 395 15032
31 220 - - - -
respect of Restructured Standard borrowers
(In INR MN)
35
31 220 - - - -
1612 6860 1563 6795 1518 6812
19843 1976 22478 1877 22021 1913 21844
excluding NPA
22
accounts was 1913 in numbers and amounting to Rs.21,844 mn. The Bank
tune of Rs.1,648 mn and Rs.464 mn towards erosion on fair value of

36. SECURITY RECEIPTS
During Q4 FY 22, we have not sold any accounts to ARC.
Balance outstanding of Security Receipts wrt NPA sold to ARC
Period ended Amount (in INR
Mar-20 2474
Dec-20 1444
Mar-21 1429
In the FY 13-14 & 14-15, we had sold some of the NPA accounts to ARC
Out of this, 3 a/cs which constitutes 90% of total SRs, the resolution has
repayment term goes upto 2022 and we can expect there will be continuous
During FY 22, an amount of Rs.552 Mn has been collected from Security
provision in SR stands at Rs.635 Mn.
Jun-21 1308
Sep-21 1177
Dec-21 1118
Mar-22 917
NPA sold to ARC
INR Mn)
ARC on SR basis to the tune of Rs.3,747 Mn.
has been finalized and payments has started in all the accounts. Their
continuous cashflows.
Security Receipts and the outstanding SR was at Rs.917 Mn. The total o/s
36

37. INVESTMENTS – ATAGLANCE
Investments Breakup and Categorywise
Particulars MAR 2022
SLR Securities 121,365
Non-SLR Securities 1,578
Total Investments 122,943
Yield on Investments 5.71%
Investments Breakup:
- A F S 16,844 (14%)
- H TM 106,099 (86%)
- H FT -
Total Investments 122,943
Modified Duration:
- A F S 2.01
- H TM 4.14
- H FT -
- Overall Portfolio 3.87
MAR 2021
93,328
1,904
95,232
5.86%
(in INR Mn)
10,899 (11%)
84,333 (89%)
-
95,232
2.39
3.99
-
3.83
37

38. BRANCH NETWORK
BRANCH NETWORK
NETWORK
NETWORK
38
38

39. STRONG PRESENCE IN THE SOUTH
As of Mar 2022 - 727 branches. 644 branches are located
1
Tamilnadu
Karnataka
Andhrapradesh
Telengana
6
1
2
2
5
4
14
20
41 49
35
20
1
3
2
8
18 495
Telengana
Maharashtra
Kerala
Gujarat
Others
Total
in South India out of which 495 inTamil Nadu.
State
No. of
Branches
% of
Deposits
% of
Advances
% of
Business
Tamilnadu 495 81 65 73
Karnataka 41 6 5 6
Andhrapradesh 49 2 8 5
Telengana 35 3 6 4
Branches
727
39
Telengana 35 3 6 4
Maharashtra 20 2 3 3
Kerala 18 2 2 2
Gujarat 20 1 4 2
Others 49 3 7 5
727

40. SHAREHOLDING
SHAREHOLDING
SHAREHOLDING PATTERN
SHAREHOLDING PATTERN
40

41. F P I,
18.12
A WELL DIVERSIFIED INVESTOR BASE
Corp Bodies,
2.77
NRI,
0.88
Others,
1.37
QIB,
6.74
Public,
36.29
MF, IFI,Banks,
33.83
18.12
Well diversified
ownership of
shareholders around
1,53,000Approx
Long term investors
ensuring stability
and support to
management
Limit on FII /
ownership increased
to 40%
BASE Position as on 31-Mar-2022
Major Institutional Shareholders
SHAREHOLDERS HOLDING %
HDFC Midcap Opportunities Fund 4.48
Franklin India Equity Savings Fund 4.42
Life Insurance Corporation of India 3.20
DSP Arbitrage Fund 3.15
Axis Mutual Fund 2.89
SBI LONG TERM ADVANTAGE FUND 2.80
HDFC Life Insurance Co. Ltd. 2.75
Smallcap World Fund 2.64
/ FPI
increased
Higher Participation
from FPI’s
Head room available
for FII / FPI … 21.88% 41
Smallcap World Fund 2.64
ICICI Pru Midcap 150 ETF 2.63
Kotak Equity Arbitrage Fund 2.50
UTI Small Cap Fund 1.88
Canara Robeco Mutual Fund 1.80
L & T MF – L & T Arbitrage Opportunities Fund 1.53
Kotak Midcap Fund 1.44
Bank Muscat India Fund 1.22
TATA AIA Life Insurance 1.04

42. CORPORATE GOVERNANCE
CORPORATE GOVERNANCE
GOVERNANCE
GOVERNANCE
42

43. Shri. M. Narayanan | B.Sc. FCA, Grad CMA, DISA
Non-Executive Chairman
Shri. M. Narayanan is a practicing Chartered Accountant by profession and
has handled Finance,Accounts and Taxation at various levels upto CFO while
in service for over 20 years in companies of repute viz. BHEL, Dalmia
Cements, Fenner, Ramco Cements and Dishnet etc. He is also an
agriculturist and a qualified system Auditor.
Shri. R. Mohan | B.Sc., MBA, CAIIB
Director
Shri. R. Mohan is qualified as bachelor of Science, Master of Business
Administration and a CAIIB. Prior to joining the Board, he served as Chief
General Manager of our Bank.
Shri. Subramaniam Narayanan |
PGDM-IIM(A), Chartered Accountant, FCS, CMA
AWELL EXPERIENCED AND STRONG BOARD
PGDM-IIM(A), Chartered Accountant, FCS, CMA
Director
Shri. Subramaniam Narayanan posses rich experience in the areas of
Business Management, Private Equity, Finance, Accountancy, Treasury & Risk
Management , Information Technology and Payment & Settlements. He has
held the position of CEO in First India Asset Management Company Ltd., and
handled treasury services for Bank of America and Abu Dhabi Commercial
Bank, UAE. Besides, he has been associated as Director in IT / Fintech
Companies of repute for a longtime.
Dr.T.S. Sridhar IAS (Retd.) | M.A., Ph.D.
Director
Dr T.S. Sridhar is a Retd. IAS officer having 35 years of vast experience in all
levels of administration and as Principal Secretary, he has expertise and
knowledge on Rural economy, farm sector and Industries especially MSME
He was a Director on the Board of NABARD. He hold expertise in Human
Resource and Economics as well.
Shri. T.K. Ramkumar | B.Com., B.L.
Director
Shri. T.K. Ramkumar is one of the leading Lawyers in Chennai possessing
special knowledge and expertise in Banking law, Company law and
Intellectual Property Rights. He is also an active environmentalist.
and
while
Dalmia
an
Business
Chief
BOARD
Dr N. Kamakodi | B.Tech., MBA., PhD., CAIIB
M.D. & C.E.O.
Dr. N. Kamakodi is serving as MD & CEO of the Bank from May 2011. He
joined the Bank as DGM in the year 2003 and was elevated as GM in 2005
and later as Executive Director in 2006.
Smt.Abarna Bhaskar | BA., FCA
Director
Smt. Abarna Bhaskar is a practicing Chartered Accountant by profession
and the first woman director of the Bank. She has served in senior
positions with Foreign Banks abroad and a large private sector bank in
India. She also holds expertise in Risk Management.
Shri. V.N. Shiva Shankar | B.Com,ACS,ACMA, BL
Director
of
Risk
has
and
Commercial
Fintech
all
and
MSME.
Human
possessing
and
Director
Shri. V.N. Shiva Shankar is a qualified Lawyer, Company Secretary and Cost
Management Accountant with over 25 years of rich experience in Indian
Corporate Law. He is also the founder of M/s VNS Legal Corporate Law
firm based in Chennai which focuses on legal advisory services on Capital
Market Regulation, Takeover Offers, Corporate Litigation, etc. He is a
member of the Executive Committee in Southern India Chamber of
Commerce. He has expertise in SEBI matters & Risk Management.
Shri. K. Vaidyanathan | B.Sc., FCMA, FCS
Director
Shri K. Vaidyanathan is a Fellow member of the Institute of Cost
Management Accountants of India and also the Institute of Company
Secretaries of India. He has over 40 years of rich domain experience in
Financial and Management Accounting, Corporate Finance, Auditing and
Regulatory Compliance. He is a Practicing Company Secretary. He also
holds expertise in Compliance and Business management.
43

44. TRANSPARENT ‘CORPORATE GOVERNANCE’
Board consists
of 8 Independent
Directors (including
1WomenDirector)
And 1 Executive
Director
Various sub-
committees of
Board functions
to oversee the
operations of the
Bank
Disclosure
strictly adhered
WE HAVE EMINENT PERSONALITIES ON OUR
WE HAVE EMINENT PERSONALITIES ON OUR
WITH DIVERSE PROFESSIONAL EXPERTISE
Career Banker with
4 Decades of banking
experience
Practicing
Company Secretary,Business
Management, IT & Compliance
Practicing Chartered
Accountant & Risk
Management . FirstWomen
Director of the Bank
Retired IAS Officer,Rural
Economy,MSME, Business
Management,Human resource
and Economics.
Private Equity Fund Manager,
Risk Management, IT and
Treasury Management
TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES
Disclosure norms
strictly adhered to
KYC / AML
Norms strictly
complied with
Code of conduct
for Directors and
Senior Management
put in place
EMINENT PERSONALITIES ON OUR BOARD
EMINENT PERSONALITIES ON OUR BOARD
WITH DIVERSE PROFESSIONAL EXPERTISE
Practicing
Company Secretary,Business
Management, IT & Compliance
Practicing Advocate,
Compliance function and Risk
Management
44
Practicing Chartered
Accountant & Risk
Management . FirstWomen
Director of the Bank
Advocate in Banking Law &
Environmental Activist
Practicing Chartered
Accountant , qualified system
Auditor and Agriculturist

45. CITY UNION BANK
Regd.Office :149,TSR Big Street,
Admin Office :"Narayana" No.24 B,Gandhi
Tel :0435-2402322,2401622,| FAX:0435
INVESTOR
Name :K.Jayaraman
Name :K.Jayaraman
Mob : +91
Email :
jayaraman@cityunionbank.com
For any queries regarding presentation,
Investor.relations@cityunionbank.com
UNION BANK LTD
Street,Kumbakonam – 612001,Tamilnadu.
Gandhi Nagar,Kumbakonam - 612001,Tamil Nadu.
0435-2431746 | www.cityunionbank.com
INVESTOR CONTACT
Jayaraman,GM
Jayaraman,GM
Mob : +91 9344303740
Email :
yaraman@cityunionbank.com
regarding presentation,please write to
elations@cityunionbank.com