Q1 FY 24 Performance Snapshot

CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME - CUB CUB SME / MSME focus Prudent Risk Management Invested in Robust Infrastructure Purely retail Liability Franchise SME/MSME specialized business model focusing on large untapped segment. Segment consistently delivering higher yields. Superior client servicing leading to client retention and low business acquisition costs. SME exposures' result in granular asset profile. Granular deposit base with high retention rates result in stable liability profile. SME/ MSME Loans result in lower NPA as they are: Additionally collateralized by residential property and personal guarantees etc. Predominantly single banker relationships with minimal exposure to consortium / multiple banking arrangements / infrastructure lending. 10-year CAGR of about 15% Comprehensive employee training and recruitment infrastructure through staff training college. All branches and 100% business under CBS from TCS. No Certificate of Deposit No reliance on Corporate bulk deposits. Consistent Return with Superior ROA, ROE 07

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