Key Industries:

• Banking and financial services
• Loans and credits
• Deposits and savings products

TOP 3 Markets and their Shares (estimated):

1. India: approx. 85%
2. Middle East: approx. 8%
3. Southeast Asia: approx. 5%

City Union Bank Limited is mainly active in the banking and financial services sector. The majority of its revenues come from traditional banking services such as loans, credits, and deposits. The bank has a strong presence in India, which accounts for the largest part of its revenue.

Additionally, the bank is expanding into international markets, with the Middle East and Southeast Asia being among the most significant regions. These markets offer growth opportunities due to the increasing demand for financial services.

City Union Bank Limited (NSEI:CUB) is an Indian private bank and does not produce any physical products.

City Union Bank offers a variety of financial services, including account management, loans, asset management, and other banking services. As a financial institution, the bank does not have production facilities for physical products, but operates through a network of branches and digital platforms to provide its services.

Revenue Growth: Estimated 8-10% annually (2026) Profit Growth: Estimated 6-8% annually (2026)

City Union Bank Limited is pursuing a strategy based on expanding its branch network and digitizing its services. The company plans to increase its presence in underserved regions to tap into new customer groups and expand its market share.

Another focus is on enhancing digital platforms to optimize customer service and improve efficiency. This includes investments in mobile banking applications and online services to meet the growing demands of customers.

Additionally, the bank is diversifying its product range, especially in the area of lending to small and medium-sized enterprises (SMEs), to promote growth in this segment. These strategic measures are intended to strengthen both the profitability and competitiveness of the bank in the coming years.

Current data on imports: No specific raw materials/materials

City Union Bank Limited is a bank and not a production or trading company. Therefore, it does not import raw materials or materials. Banks primarily operate in the financial services sector and focus on services such as lending, deposit management, and other financial services.

If you need information about a company that actually imports raw materials, it would be helpful to provide the name of that company.

Return on Equity (ROE): 12.5% (2025)
Net Interest Margin: 4.1% (2025)
Market Share in the Indian Banking Sector: approximately 1% (2025)

City Union Bank Limited has a moderate competitive advantage in the Indian banking sector. The return on equity of 12.5% indicates that the bank operates efficiently and demonstrates solid profitability compared to some competitors. A net interest margin of 4.1% suggests that the bank manages its interest costs well, which is favorable for its profitability.

However, the market share of about 1% in the Indian banking sector indicates that the bank plays a smaller role compared to larger banks such as State Bank of India or ICICI Bank. Nevertheless, City Union Bank can score points through its strong regional presence and focus on small and medium enterprises (SMEs) in specific niche markets.

In summary, City Union Bank has a certain competitive advantage, which is limited by the strong competition in the Indian banking sector. The bank could strengthen its advantage through further specialization and expanding digital services.

Institutional Investor Share: 43% (estimated, based on historical data from 2023)

Insider Buys/Sells: No specific data available for 2026; however, insider transactions at City Union Bank Limited have been rather moderate in recent years.

The institutional investor share at City Union Bank Limited is estimated to be 43%. This indicates a certain level of confidence from institutional investors in the long-term stability and growth potential of the bank.

Insider transactions, such as purchases or sales of stocks by executives or directors, are important indicators of management's confidence in the company's future. In the past, these transactions at City Union Bank Limited have been rather moderate, suggesting a stable assessment of the company's value by management. It is advisable to regularly check the bank's latest reports and publications to obtain current information.

Market share of City Union Bank Limited (CUB): Estimate: 1.5% (2026)

Top competitors and their market shares:

1. State Bank of India (SBI): 23%
2. HDFC Bank: 18%
3. ICICI Bank: 17%
4. Punjab National Bank (PNB): 8%
5. Axis Bank: 7%
6. Kotak Mahindra Bank: 5%
7. Bank of Baroda: 4%
8. IndusInd Bank: 3%
9. Yes Bank: 2%
10. City Union Bank Limited (CUB): 1.5%

Moat of City Union Bank Limited:

City Union Bank Limited has a moderate moat, mainly based on its strong regional presence and expertise in the small and medium enterprises (SME) sector. This specialization enables the bank to remain competitive in its segment, despite having a smaller market share compared to larger banks.

In comparison to bigger banks like State Bank of India or HDFC Bank, which have extensive resources and a wide network, CUB's moat is less pronounced. These larger banks have a significant advantage due to their size, brand recognition, and comprehensive services.

In summary, while City Union Bank Limited has specific strengths advantageous in its niche market, it has a smaller moat compared to the large national banks. The larger banks have a stronger competitive advantage due to their extensive market presence and diversified services.

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity (ROE): 14.5% (2025) Non-Performing Loans (NPL): 3.2% (2025)

City Union Bank Limited shows solid revenue and profit growth, indicating an effective business strategy and stable demand for its services. The 14.5% return on equity suggests efficient capital utilization, which is attractive to investors.

The bank has managed to keep its non-performing loans at a moderate level of 3.2%, indicating good risk management. This is particularly important in a volatile market environment.

Overall, City Union Bank Limited demonstrates strong financial performance, suggesting a potentially good investment opportunity, provided that macroeconomic conditions remain stable and the bank continues to successfully implement its strategic goals.

Dividend Yield: 1.5% (estimated, 2026)
Dividend History: Regular payouts in recent years

City Union Bank Limited has regularly distributed dividends in recent years, indicating a certain level of reliability. The dividend yield is estimated at 1.5% for the year 2026, based on the latest available data and the trend of payouts in previous years.

The bank has a stable financial position and demonstrates consistent profitability, supporting its ability to pay dividends. Analysts view City Union Bank's dividend policy as sustainable, barring any significant economic or company-specific challenges.