INDUSTRIAL INSIGHT ON CUB

Presented by,
Leela devi K
Shalini E
Ponmalar P
Sathish D
Arun Kumar P
INTRODUCTION
• Type Private Sector
• Industry Banking, Financial services
• Founded 1904 (115 years ago)
• Founders R. Santhanam Iyer
• Headquarters Kumbakonam, Thanjavur, Tamil Nadu
• Number of locations 650 branches (2017-18)
• Key people Mr. S. Mahalingam (Chairman)
Dr. N. Kamakodi (MD & CEO)
• Products Asset Management, Consumer banking,
Corporate Banking, Finance and Insurance,
Investment banking, Mortgage Loans, Payment
Solution, Private banking.
• Revenue 2,944.21 crore
 AWARDS
• Our Bank has been conferred with Best old Private
Sector Bank - FY 13-14
• Best old Private Sector Bank (Runner up) / Winner
Best Bank on strength and soundness(All
Categories of Banks) for FY 14-15.
• Our Bank has been conferred with prestigious Best
Bank award (2017) for Cyber Defence awarded by
IDRBT.
• IDRBI Banking Technology Excellence Award for
the Yea 2016-17 Best Bank Award for Cyber
Security and Defense among Small Banks.
TECHNOLOGY SERVICES
● Net Banking
● Mobile Banking
● E-wallet
● Multipurpose Kiosks
● Passbook Kiosks
● Cheque Book Kiosks
● Core Banking/Anywhere Banking
● Funds transfer through RTGS/NEFT/IMPS
● Payment of Utility Bills
● Unlimited inter-bank funds transfer
● Online Share Trading
● Debit/Credit Cards
● Visa card for corporate
● Payment of Central taxes
● Online FD Account
● Free SMS alerts for inward clearing cheques
● Collection of cheques /drafts at par on other bank's CBS enabled
branches at notified places
● Pre- paid Cards
● 24/7 Contact Centers
SAVINGS ACCOUNT
• City union bank provides a number of services to its customers.
Saving bank account is one such service. Other services include
stock trading, portfolio management solution, special banking
facilities, internet banking, and utility bill payments and so on.
• The account in deposit earns a nominal interest ranging from 3
to 6 %. The rate of interest varies from bank to bank as do the
terms and conditions of the account.
• City union bank saving account also offers a number of other
services such as credit / debit card, and so on.
• Though the rate of interest is nominal, this is a relatively safe
investment option since there is no market risk involved
TYPE OF SAVINGS ACCOUNT
CUB EXCEL
• Account holder requires to maintain a minimum balance of Rs. 10,000 in the account.
• Internet banking, ATM/VISA card and free RTGS facilities are available with this account.
• Cheque book will be issued with the account free of cost.
• There is no restriction on the number of remittances and inter branch funds transfer
made from the account.

YOUNG INDIA
• The account can be opened at zero balance but the account holder requires to
maintain a balance of Rs. 500 in the account.
• The account holder will be issued an International VISA debit card with no annual
charge.
• Account holder can withdraw cash from 11,00,000 ATMs across the globe for free.
• With this account the account holder can also enjoy free mobile banking, free internet
banking and RTGS/NEFT facility.
• Account holder can also receive monthly account statement through E-mail for free.
Junior India Savings Account
This account is essentially made for children and
teenagers to promote the idea of savings from the very savings.
This account is meant for minors.
In order to open this account, the child must be
introduced by an account holder.
At the time of opening of account, birth certificate of the
holder needs to be presented.

Particulars Details

Minimum Balance Yes, required

Yes, available for account

ATM Debit Card holders above 12 years of
age
Rate of Interest 4% p.a.
Electronic Fund Transfer Free RTGS, NEFT and IMPS
Children from day 1 to
Eligibility
under 18 years of age
CURRENT ACCOUNT
• City Union Bank is a fast-growing public sector banking
company which provides personalized business banking
solutions. City Union Bank is a scheduled commercial bank, and
it offers various customized current account banking products to
individuals as well as businesses. A current account is a type of
demand deposit account which includes deposits, withdrawals
of funds, and business transactions.
• A current account is meant for the business professionals or
business enterprise those who deal with huge transactions on a
regular basis.
• The current account allows the business people to carry out
unlimited transactions without any limit, subject to a banking
cash transaction tax if any levied by the government. In this
article, we look at the different types of City Union Bank Current
Account in detail.
Features and Benefits
• A current account is designed to enable
businesspeople and self-employed professionals to
conduct their business transactions efficiently.
• Current account do not provide any interest on the
balance lying in current account with the bank.
• City Union Bank current account offers a premium
internet banking facility mainly to manage the
accounts and fund transaction and secure bill
payment.
• It also offers with the easy payment of direct taxes
through online.
Eligibility Criteria
• Resident Individual
• Hindu Undivided Family (HUF)
• Sole Proprietorship Firm
• Partnership Firm
• Private or Public Limited Company
• Limited Liability Partnership(LLP)
• Trust/ Association/ Club/ Society
• Foreign Institutional Investor (FII)
• Foreign National Residing in India
CUB Current Account Products
• Current Account for Individuals
• Current Account for MSME Customers
• Current Account for Corporate Customers
• Current Account for Agri and Rural Customers
• Current Account for Institutions
LOANS AVAILABLE IN CUB
• PERSONAL BANKING
• Personal loans
• Educational loan
• Two- wheeler loan
• Four – wheeler loan
• Housing loan
• Consumer loan
• Jewel loan
• MSME & CORPORATE BANKING
• Cash credit
• working capital loan
• Bank guarantee/ latter of credit
• Bills finance
• Foreign currency loan
• Small road transport operators loan (SRTO)
• Easy business
LOANS AVAILABLE IN CUB
• AGRI & RURAL BANKING
• KISSON Credit Card
• AGRI Term Loan
• Allied activities
• AGRI Gold Loan

• NRI BANKNING
• Educational loan for NRI
• Housing Loan/ Loan against NRI

• ACADEMIC INSTITUTIONS
• Student Educational loan
DIGITAL BANKING FACILITY IN CUB
• Chatboot Facility
• Social media Banking Transfer funds through Facebook
• Passbook printing Kiosk
• Cheque clearing Kiosk
• ASBA facility for IPO subscription
• CUB Virtual Credit Card Facility
• CUB Gift Card, CUB Wallet
• CUB Traveling Card Facility
• CUB QR Facility
• Online Saving Account opening via (CUB Easy)
• CUB FASTAG Facility for Hassle-Free Travelling
 COMPETITIVE ANALYSIS
• INDIAN OVERSEAS BANK
IOB has been one of City Union Bank’s top competitors.
IOB’s headquarters is in Chennai, Tamil Nadu, and was
founded in 1937. Like City Union Bank, IOB also competes in
the Banks field. IOB generates 463% of City Union Bank’s
revenue.

• SBI
SBI is one of City Union Bank’s top rivals. SBI is a Public
company that was founded in Mumbai, Maharashtra in
1806. Like City Union Bank, SBI also works within the Banks
industry. SBI has 258,722 more employees vs. City Union
Bank.
• INDIAN BANK
Indian Bank is perceived as one of City Union Bank’s
biggest rivals. Indian Bank was founded in 1907, and is
headquartered Chennai, Tamil Nadu. Like City Union Bank,
Indian Bank also competes in the Banks sector. Indian Bank
generates $2.1B more revenue vs. City Union Bank.
SWOT ANALYSIS
• STRENGTHS
Diverse Revenue models
High Margins
Strong brand recognition
Wide geographic presence
First mover advantage
Success of new product mix
• WEAKNESSES
Business Model
Loyalty among suppliers
Niche markets and local monopolies
Declining market share
Extra cost of building new supply chain and logistics network
SWOT ANALYSIS
• OPPORTUNITIES
Lowering of the cost of new product launches
Increasing customer base in lower segments
Trend of customers migrating to higher end products
Local Collaboration
Increasing government regulations
Rapid Expansion of Economy
• THREATS
Saturation in urban market and stagnation in the rural markets
Competitors catching up with the product development
Competitive pressures
Shortage of skilled human resources
Changing demographics
Growing technological expertise
THANK YOU