What we do City Union Bank is a leading scheduled private sector bank in India focusing on retail, MSME, and agricultural lending with strong presence in South India. |
Founded in 1,904 |
Market share Strong regional presence with ~900 branches; recognized for specialized MSME banking and prudent risk management. |
Problem solved Providing accessible banking solutions, credit, and financial services to underbanked MSME, retail, and agricultural sectors. |
Top clients or who we serve B2C and B2B clients primarily in MSME, agriculture, retail trade, and industry sectors across India. |
Key management Dr. N. Kamakodi (MD & CEO), Shri R. Vijay Anandh (Executive Director), Shri V. Ramesh (Executive Director) with extensive banking leadership. |
Our journey and innovations Founded in 1904, expanded through strategic mergers; pioneering digital lending and secured credit cards; strong focus on tech-driven banking. |
Where we operate Pan India presence with over 900 branches, predominantly in South India (Tamil Nadu focus), expanding in West, North, and East India. |
Top products or what we offer Retail loans, MSME credit, agricultural loans, savings/current accounts, fixed deposits, digital banking, insurance distribution, and secured credit cards. |
Top brands CUB Kavach secured credit card, CUB SalarySe credit card, ONDC MSME digital platform, Digital Lending Platform, UPI innovative services. |
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Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from interest on loans and advances (recurring), supplemented by fee and other income. |
Our industry position Well-capitalized with robust CRAR ~20%, strong asset quality with Net NPA under 1%, consistent double-digit growth. |
Financial highlights FY25 Total Business: Rs 1.17 lakh Cr; Net Profit: Rs 1124 Cr; Deposits grew 14% to Rs 63,526 Cr; Advances grew 14% to Rs 53,066 Cr. |
Geographical revenue split Majority revenue from South India (~84% branches), growing presence in West, North, Central, Eastern regions. |
Order book - |
Whats driving growth MSME focus, technological innovation in digital lending and payments, branch expansions, and sustained retail credit demand. |
Our future plans Expanding branch network, enhancing digital platforms, launching new credit products, and continuous investment in technology. |
Our green promise Focus on energy-efficient equipment, solar panels, LED installations, and CSR projects in environment and water conservation. |
Our people and values 8573 employees with inclusive culture, staff training college, employee stock option schemes driving engagement and growth. |
Key challenges ahead Navigating geopolitical tensions, maintaining asset quality amid competitive lending, rising deposit costs, and regulatory compliance. |
Interesting facts Oldest private sector bank in India, 120+ years history, consistent dividends, and award-winning digital transformation. |
Risks and strategy Mitigating credit and operational risks via prudent policies, robust governance, and leveraging technology for efficiency and compliance. |
