City Union Bank Ltd.

Financial

	City Union Bank	RBL Bank	J&K Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.54 %	4.5 %	3.72 %
Yield On Advances	9.81 %	12.5 %	9.35 %
Gross NPA	2.99 %	2.78 %	3.5 %
Net NPA	1.2 %	0.45 %	0.82 %
CASA Ratio	27.31 %	32.5 %	45.71 %
CASA vs Liabilities	25.63 %	24.62 %	39.75 %
Credit Deposit Ratio	82.0 %	83.76 %	68.15 %
Cost To Income Ratio	48.12 %	72.4 %	60.78 %
Fresh Slippages - Quarterly	196.3 Crs	1060.0 Crs	273.7 Crs
Capital to Risks Assets Ratio (CRAR)	23.1 %	15.59 %	15.98 %
Tier I Capital	22.09 %	14.05 %	13.68 %
Tier 2 Capital	1.01 %	1.54 %	2.3 %
NBFC
Cost of Borrowing	4.96 %	6.55 %	4.83 %
Financials
5 yr Average ROE	12.32 %	4.96 %	5.65 %
5yr average Equity Multiplier	8.8	8.54	15.68
5yr Average Asset Turnover Ratio	0.08	0.11	0.07
5yr Avg Net Profit Margin	15.69 %	4.77 %	4.73 %
5yr Avg Net Profit Margin	15.69 %	4.77 %	4.73 %
5yr CAGR Net Profit	13.64 %	20.29 %	n/a
5yr CAGR Sales	6.9 %	7.64 %	6.12 %
5 yr CAGR PPOP	2.72 %	2.91 %	9.02 %
Price to Book	1.68	1.04	0.79
P/E	13.63	31.01	5.34
Shareholdings
Promoter Holding	0.0	0.0	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-8.63 %
Change in Mutual Fund Holding (3 Yrs)	-2.25 %	22.47 %	3.49 %

Business

	City Union Bank	RBL Bank	J&K Bank
Loan Break-Up	Loan Break-Up MSME Sector 40.83 Agricultural 16.56 Infra structural Nonagriculture,NBFC 15.83 Commercial Real Estate 6.88 Home loans 4.74 Wholesale Traders 1.69 Retail 1.21 Large Industries 0.9 Loan Collateralized by Deposits 0 Trade 0 Personal 0 SME 0 Corporate 0 Others 11.36	-	Loan Break-Up Trading 10.0 Wholesale Traders 0 Agricultural 0 Personal 38.0 SME 11.0 Infra structural Nonagriculture,NBFC 0 Retail 0 Corporate 29.0 MSME Sector 0 Large Industries 0 Commercial Real Estate 0 Home loans 0 Loan Collateralized by Deposits 0 Others 12.0
Gold Loan Portfolio	Gold Loan Portfolio Agriculture 53.45 Non Agriculture 46.55	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 59.0 Corporate Banking 20.25 Treasury Operations 17.6 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 3.15	Segment Break-Up Consumer Finance 0 Consumer Finance 47.13 Corporate Banking 20.76 Treasury Operations 0 Treasury Operations 31.53 Corporate Banking 0 Others 0.58	Segment Break-Up Consumer Finance 0 Consumer Finance 61.04 Corporate Banking 18.08 Treasury Operations 20.07 Treasury 0 Corporate Banking 0 Others 0.81
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 44.02 Treasury 32.76 Corporate / Wholesale Banking 10.25 Others 12.97	-	Operating Profit Break-Up Corporate / Wholesale Banking 0 Retail Banking 51.76 Treasury 0 Others 48.24
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.47 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Unsecured Redeemable Debentures/Bonds 0 Others 82.53	Borrowings Break-Up Refinance 51.0 Inter-Bank 0 Tier Ii 7.0 CBLO/LTRO 0 FCY 42.0 Unsecured Redeemable Debentures/Bonds 0 LAF 0 Reserve Bank of India 0	Borrowings Break-Up Refinance 0 Inter-Bank 0 Tier II 0 CBLO/LTRO 0 FCY 0 UNSECURED REDEEMABLE BONDS 99.86 LAF 0 Reserve Bank of India 0 Others 0.14
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 100	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 28.66 Retail Banking 36.08 Treasury 33.67 Others 1.59	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 20.67 Retail Banking 47.5 Treasury 0 Others 31.83
NPA Break-Up	NPA Break-Up Services 39.95 Industrial & Commercial 37.26 Personal Loan 12.05 Agricultural 10.74 Advances to Industries 0 Agricultural & Allied Activities 0 0 Agriculture & Allied Activities 0	NPA Break-Up Agriculture & Allied Activities 0 Agricultural 0 Services 29.76 Industrial & Commercial 0 Advances to Industries 31.53 Personal Loan 0 Agriculture 22.18 0 Others 16.53	NPA Break-Up Agricultural 10.78 Agricultural 0 Services 48.17 Industrial & Commercial 0 Advances to Industries 0 Personal Loan 0 Agricultural & Allied Activities 0 Priority Sector 6.31 Others 34.74
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 58.96 Non Priority Sector 41.04 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 26.09 Priority Sector 0 Non Priority Sector 73.91	Priority vs Non-Priority Sector Non Priority Sector 62.8 Priority 0 Priority Sector 37.2 Non-Priority 0

City Union Bank Ltd.

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