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Compare City Union Bank with ICICI Bank - Equitymaster
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CITY UNION BANK vs ICICI BANK - Comparison Results

CITY UNION BANK    Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    CITY UNION BANK ICICI BANK CITY UNION BANK/
ICICI BANK
 
P/E (TTM) x 19.1 23.0 83.0% View Chart
P/BV x 2.9 2.0 147.0% View Chart
Dividend Yield % 0.2 0.8 22.3%  

Financials

 CITY UNION BANK   ICICI BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
ICICI BANK
Mar-17
CITY UNION BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs169293 57.6%   
Low Rs93215 43.3%   
Income per share (Unadj.) Rs52.8104.8 50.4%  
Earnings per share (Unadj.) Rs8.417.5 47.7%  
Cash flow per share (Unadj.) Rs18.076.1 23.6%  
Dividends per share (Unadj.) Rs0.302.50 12.0%  
Avg Dividend yield %0.21.0 23.3%  
Book value per share (Unadj.) Rs59.4179.9 33.0%  
Shares outstanding (eoy) m601.065,814.77 10.3%   
Bonus/Rights/Conversions ESOSESOS-  
Avg Price / Income ratio x2.52.4 102.3%   
Avg P/E ratio x15.614.5 108.0%  
Avg P/CF ratio x9.85.5 177.4%  
Avg Price/Bookvalue ratio x2.21.4 156.1%  
Dividend payout %3.614.3 25.1%   
Avg Mkt Cap Rs m78,5891,475,207 5.3%   
No. of employees `0004.781.1 5.8%   
Total wages & salary Rs m2,98178,933 3.8%   
Avg. income/employee Rs Th6,768.67,511.5 90.1%   
Avg. wages/employee Rs Th635.8972.9 65.4%   
Avg. net profit/employee Rs Th1,072.21,255.8 85.4%   
INCOME DATA
Interest income Rs m31,738609,400 5.2%  
Other income Rs m4,840524,577 0.9%   
Interest expense Rs m19,750348,358 5.7%   
Net interest income Rs m11,988261,042 4.6%  
Operating expense Rs m6,890481,700 1.4%   
Gross profit Rs m5,098-220,658 -2.3%  
Gross profit margin %16.1-36.2 -44.4%  
Provisions/contingencies Rs m3,010165,825 1.8%   
Profit before tax Rs m6,928138,094 5.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11,520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,90024,690 7.7%   
Profit after tax Rs m5,028101,884 4.9%  
Net profit margin %15.816.7 94.8%  
BALANCE SHEET DATA
Advances Rs m238,3275,153,173 4.6%   
Deposits Rs m301,1575,125,873 5.9%  
Credit/Deposit ratio x79.1100.5 78.7%  
Yield on advances %10.98.2 133.1%   
Cost of deposits %6.44.5 142.1%   
Net Interest Margin %3.62.9 122.5%  
Net fixed assets Rs m2,15193,380 2.3%   
Share capital Rs m60111,651 5.2%   
Free reserves Rs m22,455581,559 3.9%   
Net worth Rs m35,7021,046,320 3.4%   
Borrowings Rs m5,3101,882,868 0.3%   
Investments Rs m70,3153,045,017 2.3%   
Total assets Rs m352,7089,860,427 3.6%  
Debt/equity ratio x8.66.7 128.1%   
Return on assets %1.41.0 138.0%  
Return on equity %14.19.7 144.6%  
Capital adequacy ratio %15.817.4 91.0%  
Net NPAs %1.75.4 31.5%  
CASH FLOW
From Operations Rs m2,836526,355 0.5%  
From Investments Rs m-503-16,057 3.1%  
From Financial Activity Rs m-44-354,695 0.0%  
Net Cashflow Rs m2,289155,603 1.5%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 23.1 44.2%  
FIIs % 33.4 40.0 83.5%  
ADR/GDR % 0.0 29.2 -  
Free float % 56.0 7.8 717.9%  
Shareholders   82,699 585,463 14.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   UNION BANK  VIJAYA BANK  DHANLAXMI BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  

Compare CITY UNION BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Feb 16, 2018 (Close)

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