Background: City Union Bank (CUB) among the smaller-sized banks in the private sector space operates a network of 430 branches. With about 2/3rds of its branches located in Tamil Nadu the bank's business is largely skewed towards the Southern India. About 84% of its business comes from 378 branches located in South India. CUB has a significant chunk of its branches in urban and semi-urban areas. With no identifiable...