Q1 FY 24 Performance Snapshot
COMPETITIVE ADVANTAGES
NETWORK
•
•
Pan India presence with 752 branches
Strong presence in South India (669
branches) of which 519 are in
Tamil Nadu alone
ADEQUATELY CAPITALISED
Strong Capital Adequacy ratio of
23.02% out of which Tier 1
constitutes 21.98%
MSME / TRADING PORTFOLIO
CUB
CUB
Trading and MSME loan segments
constitute about 48% of advances
01
N
02
03
04
-
05
55
06
STRONG TRACK RECORD
Continuous profitability and dividend payout
in all 115+ years of operations
Business growth of about 15% CAGR in last
10 years
ROBUST CORPORATE
GOVERNANCE PRACTICES
Strong board with majority of directors
being independent directors
Consistency in management with only 7
CEOS appointed in 115+ years
DIVERSIFIED ASSET PROFILE
Granular asset profile with advances to top
20 group borrowers contributing around
6,74%
Lower ticket size lending backed by
adequate collaterals
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