City Union Bank Limited — PPTs, 31-07-2025: Investor Presentation

Here's a summary of the investor presentation:

**1. Financial Highlights:**

City Union Bank's Q1 FY26 shows strong growth: Deposits up 20% YoY to INR 65,734.5 Cr, and Advances up 16% to INR 54,020.3 Cr. Net Profit rose 16% to INR 305.9 Cr. Asset quality improved significantly (Gross NPA 2.99%, Net NPA 1.20%). NIM held at 3.54%; ROA (1.55%) and ROE (12.85%) improved. Capital adequacy remains robust (23.10% CRAR); gold loans grew 31% YoY.

**2. Strategic Initiatives & Growth Drivers:**

The bank is accelerating digital adoption, rolling out new offerings like NCMC, UPI ATM, and Whatsapp Banking. Its high-yield MSME/SME segment focus remains a key growth driver.

**3. Business Developments:**

New product rollouts include co-branded credit cards. Strategic API Banking partnerships are expanding customer services and digital lending capabilities.

**4. Market Position & Competitive Advantage:**

As India's oldest private bank, CUB leverages its strong South India network and specialized MSME/SME model. Its granular, collateral-backed loan book, consistent profitability, and robust governance offer a distinct competitive advantage.

**5. Investor Implications:**

Solid growth, improved asset quality, and strategic digital expansion indicate positive growth potential, reinforcing a favorable financial outlook for investors.