City Union Bank Ltd.

Financial

	City Union Bank	Karnataka Bank	South Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.5 %	3.46 %	3.38 %
Yield On Advances	9.62 %	9.9 %	9.34 %
Gross NPA	4.47 %	3.64 %	4.5 %
Net NPA	2.19 %	1.55 %	1.46 %
CASA Ratio	29.13 %	31.45 %	32.08 %
CASA vs Liabilities	32.71 %	28.97 %	27.85 %
Credit Deposit Ratio	83.0 %	75.65 %	76.59 %
Cost To Income Ratio	48.64 %	50.6 %	64.48 %
Fresh Slippages - Quarterly	187.2 Crs	1836.64 Crs	289.0 Crs
Capital to Risks Assets Ratio (CRAR)	21.87 %	15.88 %	19.91 %
Tier I Capital	20.83 %	13.66 %	17.65 %
Tier 2 Capital	1.04 %	2.22 %	2.26 %
NBFC
Cost of Borrowing	4.76 %	5.3 %	4.79 %
Financials
5 yr Average ROE	12.16 %	10.12 %	4.76 %
5yr average Equity Multiplier	9.23	12.95	16.48
5yr Average Asset Turnover Ratio	0.09	0.08	0.08
5yr Avg Net Profit Margin	14.13 %	8.33 %	3.65 %
5yr Avg Net Profit Margin	14.13 %	8.33 %	3.65 %
5yr CAGR Net Profit	6.54 %	22.26 %	65.78 %
5yr CAGR Sales	5.23 %	1.2 %	-1.18 %
5 yr CAGR PPOP	7.95 %	5.91 %	-1.93 %
Price to Book	1.51	0.99	0.85
P/E	12.19	6.23	7.04
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-4.44 %	9.53 %	0.79 %

Business

	City Union Bank	Karnataka Bank	South Indian Bank
Segment Break-Up	Segment Break-Up Consumer Finance 58.56 Treasury Operations 20.67 Corporate Banking 19.17 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 0 Retail banking 0 Corporate/Whole sale Banking 0 Others 1.6	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 37.34 Consumer Finance 42.48 Corporate/Whole sale Banking 0 Treasury Operations 17.73 Retail banking 0 Others 2.45	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate/Wholesale Banking 0 Retail Banking 0 Corporate Banking 27.13 Treasury Operations 21.99 Consumer Finance 46.22 Others 4.66
Loan Break-Up	Loan Break-Up MSME Sector 40.76 Agricultural 15.88 Infra structural Nonagriculture,NBFC 14.18 Commercial Real Estate 5.78 Home loans 4.75 Wholesale Traders 3.34 Retail 2.1 Large Industries 1.7 Loan Collateralized by Deposits 1.67 Personal Loans - Others 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Industry Others 0 Iron & Steel 0 Textiles 0 Automobiles 0 Agriculture and allied activities 0 Personal Loans 0 SME 0 Gold 0 Corporate 0 Others 9.84	Loan Break-Up Wholesale Traders 0 Loan Collateralized by Deposits 0 Others 11.53 SME 0 Housing Loan 0 Agricultural 12.5 Large Industries 0 Home loans 0 Infra structural Nonagriculture,NBFC 0 0 Iron & Steel 0 MSME Sector 0 Textiles 0 Professional and self employed 0 Automobiles 0 Commercial Real Estate 0 Commercial Real estate 0 Personal Loan 24.15 Personal Loans 0 Trade and Business 0 Infrastructure Loan 0 Gold 0 Corporate 0 Agricultural 0 Retail 0 Others 51.82	Loan Break-Up Wholesale Traders 0 Loan Collateralized by Deposits 0 Industry Others 0 SME 20.0 Housing Loan 0 Agriculture and allied activities 0 Large Industries 0 Home loans 0 Infra structural Nonagriculture,NBFC 0 0 Iron & Steel 0 MSME Sector 0 Textiles 0 Professional and self employed 0 Automobiles 0 Commercial Real Estate 0 Commercial Real estate 0 Personal Loans - Others 0 Personal Loans 23.0 Trade and Business 0 Infrastructure Loan 0 Gold 0 Corporate 38.0 Agricultural 0 Retail 0 Others 19.0
Gold Loan Portfolio	Gold Loan Portfolio Agriculture 53.67 Non Agriculture 46.33	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Rest of India 0 South India 0 Kerala 0	Location Wise Break-Up Kerala 0 Rest of India 0 South India 0 Rest of the World 0 India 100.0	Location Wise Break-Up Kerala 52.74 Rest of India 17.41 South India 29.85 Rest of the World 0 India 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 40.72 Retail Banking 39.69 Corporate / Wholesale Banking 13.44 Corporate & Wholesale Banking 0 Others 6.15	Operating Profit Break-Up Retail Banking 40.11 Corporate / Wholesale Banking 50.69 Corporate & Wholesale Banking 0 Treasury 9.2	Operating Profit Break-Up Retail Banking 67.39 Corporate / Wholesale Banking 0 Corporate & Wholesale Banking 0 Treasury 22.74 Others 9.87
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 0 Subordinated Debts for Tier II Capital 0 0 Others 100	Borrowings Break-Up 0 Subordinated Debt 65.27 Reserve Bank of India 0 Others 34.73	Borrowings Break-Up Borrowings outside India 2.56 Subordinated Debts for Tier II Capital 0 Reserve Bank of India 3.93 Others 93.51
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 100	Asset Break-Up - Segment Wise Retail Banking 0 Corporate / Wholesale Banking 0 Treasury 0 Others 100	-
NPA Break-Up	NPA Break-Up Services 58.48 Industrial & Commercial 20.8 Personal Loan 11.62 Agricultural 9.1 Personal and Other Loans 0 Agriculture and allied activities 0 Housing Loan 0 Other Personal loans incl. Gold Loan 0 Trade 0 Textile 0 Basic Metal 0 Infra 0 Professional 0 NBFC 0 Personal loans 0	NPA Break-Up Personal loans 0 Personal Loan 14.84 Services 37.37 Industrial & Commercial 0 Infra 0 Housing Loan 0 Professional 0 Basic Metal 0 Personal Loan 0 Agricultural 24.19 NBFC 0 Other Personal loans incl. Gold Loan 0 Trade 0 Textile 0 Agricultural 0 Others 23.6	NPA Break-Up Personal Loan 11.78 Personal and Other Loans 0 Services 8.0 Industrial & Commercial 0 INFRA 5.99 Home loans 4.42 Professional Services 5.86 Basic Metal 1.44 Personal Loan 0 Agricultural 18.88 NBFC 0.35 Others 7.36 Trading 28.66 Textiles 6.68 Agricultural 0 Others 0.58
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 63.75 Non Priority Sector 36.25 Priority Sectors 0	Priority vs Non-Priority Sector Priority Sectors 0 Priority Sector 41.96 Non Priority Sector 58.04	Priority vs Non-Priority Sector Priority Sector 42.42 Priority Sector 0 Non Priority Sector 57.58

City Union Bank Ltd.

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