City Union Bank Ltd (CUB), the oldest private sector bank in India, is a mid-sized commercial bank headquartered at Tamil Nadu, having a network of 650 branches and 1,711 ATMs spread across the country and have a loan book size of ~Rs32,000cr. Net Interest Income (NII) grew by 11% and PAT grew by 15% YoY in Q4FY19, with 14% YoY growth in loans and advances. Marginal reduction in Net Interest Margin (NIM) on a YoY as well as sequential basis, and currently stands at 4.11%....