City Union Bank Ltd.

Financial

	City Union Bank	J&K Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.59 %	4.04 %	4.9 %
Yield On Advances	8.01 %	9.75 %	13.3 %
Gross NPA	3.36 %	4.08 %	2.92 %
Net NPA	1.42 %	0.94 %	0.53 %
CASA Ratio	30.63 %	48.17 %	32.8 %
CASA vs Liabilities	26.58 %	41.97 %	24.84 %
Credit Deposit Ratio	87.0 %	68.1 %	84.69 %
Cost To Income Ratio	48.64 %	57.28 %	62.5 %
Fresh Slippages - Quarterly	555.4 Crs	321.52 Crs	1309.0 Crs
Capital to Risks Assets Ratio (CRAR)	22.26 %	15.09 %	15.4 %
Tier I Capital	21.29 %	12.71 %	13.7 %
Tier 2 Capital	0.97 %	2.38 %	1.7 %
NBFC
Cost of Borrowing	4.81 %	4.76 %	6.6 %
Financials
5 yr Average ROE	11.69 %	5.65 %	4.96 %
5yr average Equity Multiplier	9.04	15.68	8.54
5yr Average Asset Turnover Ratio	0.09	0.07	0.11
5yr Avg Net Profit Margin	14.32 %	4.73 %	4.77 %
5yr Avg Net Profit Margin	14.32 %	4.73 %	4.77 %
5yr CAGR Net Profit	16.35 %	n/a	20.29 %
5yr CAGR Sales	4.4 %	6.12 %	7.64 %
5 yr CAGR PPOP	2.49 %	9.02 %	2.91 %
Price to Book	1.48	0.82	0.65
P/E	12.02	5.33	10.14
Shareholdings
Promoter Holding	0.0	59.4 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-10.72 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-4.18 %	3.54 %	-1.26 %

Business

	City Union Bank	J&K Bank	RBL Bank
Loan Break-Up	Loan Break-Up MSME Sector 37.7 Agricultural 18.71 Infra structural Nonagriculture,NBFC 15.14 Commercial Real Estate 6.0 Home loans 4.65 Wholesale Traders 2.22 Retail 1.35 Large Industries 1.29 Loan Collateralized by Deposits 0 Trade 0 Personal 0 SME 0 Corporate 0 Others 12.94	Loan Break-Up Trading 10.0 Loan Collateralized by Deposits 0 Corporate 26.0 Wholesale Traders 0 SME 12.0 Commercial Real Estate 0 MSME Sector 0 Large Industries 0 Home loans 0 Agricultural 0 Retail 0 Infra structural Nonagriculture,NBFC 0 Personal 40.0 Others 12.0	-
Gold Loan Portfolio	Gold Loan Portfolio Agriculture 55.86 Non Agriculture 44.14	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 59.48 Corporate Banking 20.22 Treasury Operations 18.8 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Treasury 0 Others 1.5	Segment Break-Up Corporate Banking 17.77 Treasury Operations 22.55 Consumer Finance 59.11 Consumer Finance 0 Treasury 0 Corporate Banking 0 Others 0.57	Segment Break-Up Corporate Banking 20.26 Treasury Operations 0 Consumer Finance 48.62 Consumer Finance 0 Treasury Operations 30.59 Corporate Banking 0 Others 0.53
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 41.89 Treasury 40.07 Corporate / Wholesale Banking 12.8 Others 5.24	Operating Profit Break-Up Retail Banking 57.55 Treasury 0 Corporate / Wholesale Banking 0 Others 42.45	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 28.62 Unsecured Redeemable Debentures/Bonds 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 71.38	Borrowings Break-Up Tier II 0 UNSECURED REDEEMABLE BONDS 99.86 FCY 0 CBLO/LTRO 0 Reserve Bank of India 0 Refinance 0 LAF 0 Inter-Bank 0 Others 0.14	Borrowings Break-Up Tier Ii 7.0 Unsecured Redeemable Debentures/Bonds 0 FCY 42.0 CBLO/LTRO 0 Reserve Bank of India 0 Refinance 51.0 LAF 0 Inter-Bank 0
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 Retail Banking 50.24 Treasury 0 Corporate/Wholesale Banking 17.68 Others 32.08	Asset Break-Up - Segment Wise Retail Banking 37.16 Treasury 32.71 Corporate/Wholesale Banking 28.39 Others 1.74
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 57.9 Non Priority Sector 42.1 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non-Priority 0 Priority 0 Non Priority Sector 62.8 Priority Sector 37.2	Priority vs Non-Priority Sector Non Priority Sector 73.91 Priority Sector 26.09 Non Priority Sector 0 Priority Sector 0
NPA Break-Up	NPA Break-Up Services 37.45 Industrial & Commercial 24.36 Personal Loan 20.22 Agricultural 17.97 0 Agriculture & Allied Activities 0 Advances to Industries 0 Agricultural & Allied Activities 0	NPA Break-Up Priority Sector 6.31 Agricultural 10.78 Personal Loan 0 Agricultural & Allied Activities 0 Advances to Industries 0 Agricultural 0 Industrial & Commercial 0 Services 48.17 Others 34.74	NPA Break-Up 0 Agriculture & Allied Activities 0 Personal Loan 0 Agriculture 22.18 Advances to Industries 31.53 Agricultural 0 Industrial & Commercial 0 Services 29.76 Others 16.53

City Union Bank Ltd.

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