Background: City Union Bank (CUB) among the smaller-sized banks in the private sector space, operates a network of about 300 branches. With about 2/3rds of its branches located in Tamil Nadu the bank's business is largely skewed towards the Southern India. About 89% of its business comes from 272 branches located in South India. CUB has a significant chunk of its branches in urban and semi-urban areas. With no identifiable...