Here's a concise, retail-friendly summary of the investor presentation: 1. **Business Performance:** City Union Bank reported strong Q4 and FY26 results.

Deposits grew 23% YoY to 78,308 Cr, with advances surging 26% to 66,699 Cr.

Total business increased 24% to 145,007 Cr.

FY26 Net Profit rose 18% to 1,326.2 Cr.

Asset quality improved significantly: Gross NPA at 1.91% and Net NPA at 0.68% for FY26. #CUBank #FinancialResults 2. **Growth Drivers or Strategy:** The bank's core strategy focuses on MSME and retail/wholesale trade, driving growth with MSME loans at 37% of advances.

This approach ensures a granular asset profile and higher yields, supported by prudent risk management and collateralized lending. #MSMESupport #StrategicGrowth 3. **Recent Developments:** CUB is actively embracing technology, introducing new digital offerings like lending, AI BOTs, and API banking.

Products like CUB SalarySe and co-branded credit cards were launched.

The bank also secured 6 IBA Technology Awards for its digital initiatives. #DigitalBanking #TechAdoption 4. **Key Financial Metrics:** For Q4 FY26, RoA was 1.56%, NIM 3.87%, and RoE 14.15%. EPS for Q4 FY26 stood at Rs. 4.84, up from Rs. 3.89. Capital Adequacy Ratio (CRAR) remained strong at 21.92%. #Investing #BankNifty 5. **Management Commentary / Outlook:** Robust capitalisation, strong governance, and a widespread network, especially in South India, position the bank well.

Improved asset quality and digital push indicate a focus on sustainable and efficient future expansion.