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ChangeApart 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
After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More
| CITY UNION BANK | IDBI BANK | CITY UNION BANK/ IDBI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.9 | -1.7 | - | View Chart |
| P/BV | x | 3.0 | 0.4 | 842.7% | View Chart |
| Dividend Yield | % | 0.8 | 1.4 | 56.4% |
 CITY UNION BANK  IDBI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CITY UNION BANK Mar-16 |
IDBI BANK Mar-15 |
CITY UNION BANK/ IDBI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 98 | 113 | 86.9% | |
| Low | Rs | 77 | 60 | 128.0% | |
| Income per share (Unadj.) | Rs | 49.2 | 175.6 | 28.0% | |
| Earnings per share (Unadj.) | Rs | 7.4 | 5.9 | 126.6% | |
| Cash flow per share (Unadj.) | Rs | 15.5 | 6.0 | 257.1% | |
| Dividends per share (Unadj.) | Rs | 1.20 | 0.75 | 160.0% | |
| Avg Dividend yield | % | 1.4 | 0.9 | 158.2% | |
| Book value per share (Unadj.) | Rs | 51.0 | 152.0 | 33.6% | |
| Shares outstanding (eoy) | m | 598.19 | 1,603.96 | 37.3% | |
| Bonus/Rights/Conversions | ESOS | ESOP | - | ||
| Avg Price / Income ratio | x | 1.8 | 0.5 | 360.9% | |
| Avg P/E ratio | x | 11.8 | 14.7 | 79.9% | |
| Avg P/CF ratio | x | 7.7 | 2.6 | 303.5% | |
| Avg Price/Bookvalue ratio | x | 1.7 | 0.6 | 301.3% | |
| Dividend payout | % | 16.1 | 12.8 | 126.4% | |
| Avg Mkt Cap | Rs m | 52,312 | 138,662 | 37.7% | |
| No. of employees | `000 | 4.5 | 16.6 | 27.3% | |
| Total wages & salary | Rs m | 2,132 | 20,112 | 10.6% | |
| Avg. income/employee | Rs Th | 6,518.1 | 17,012.5 | 38.3% | |
| Avg. wages/employee | Rs Th | 471.9 | 1,214.9 | 38.8% | |
| Avg. net profit/employee | Rs Th | 984.5 | 568.9 | 173.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 29,442 | 281,643 | 10.5% | |
| Other income | Rs m | 4,100 | 41,892 | 9.8% | |
| Interest expense | Rs m | 19,632 | 223,872 | 8.8% | |
| Net interest income | Rs m | 9,810 | 57,771 | 17.0% | |
| Operating expense | Rs m | 5,577 | 41,046 | 13.6% | |
| Gross profit | Rs m | 4,233 | 16,725 | 25.3% | |
| Gross profit margin | % | 14.4 | 5.9 | 242.1% | |
| Provisions/contingencies | Rs m | 2,306 | 44,905 | 5.1% | |
| Profit before tax | Rs m | 6,027 | 13,403 | 45.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 155 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,580 | 4,139 | 38.2% | |
| Profit after tax | Rs m | 4,447 | 9,418 | 47.2% | |
| Net profit margin | % | 15.1 | 3.3 | 451.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 210,569 | 2,083,769 | 10.1% | |
| Deposits | Rs m | 271,581 | 2,595,230 | 10.5% | |
| Credit/Deposit ratio | x | 77.5 | 80.3 | 96.6% | |
| Yield on advances | % | 11.2 | 10.0 | 112.5% | |
| Cost of deposits | % | 7.1 | 6.8 | 104.2% | |
| Net Interest Margin | % | 3.3 | 1.7 | 194.6% | |
| Net fixed assets | Rs m | 2,176 | 30,800 | 7.1% | |
| Share capital | Rs m | 598 | 16,040 | 3.7% | |
| Free reserves | Rs m | 19,301 | 156,910 | 12.3% | |
| Net worth | Rs m | 30,520 | 243,749 | 12.5% | |
| Borrowings | Rs m | 1,126 | 618,330 | 0.2% | |
| Investments | Rs m | 63,245 | 1,206,093 | 5.2% | |
| Total assets | Rs m | 312,520 | 3,559,309 | 8.8% | |
| Debt/equity ratio | x | 8.9 | 13.2 | 67.8% | |
| Return on assets | % | 1.4 | 0.3 | 537.8% | |
| Return on equity | % | 14.6 | 3.9 | 377.1% | |
| Capital adequacy ratio | % | 15.6 | 11.8 | 132.5% | |
| Net NPAs | % | 1.5 | 2.9 | 53.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 1,985 | -19,906 | -10.0% | |
| From Investments | Rs m | -600 | -2,716 | 22.1% | |
| From Financial Activity | Rs m | -752 | -610 | 123.2% | |
| Net Cashflow | Rs m | 633 | -23,232 | -2.7% | |
| Indian Promoters | % | 0.0 | 71.7 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 10.2 | 13.7 | 74.5% | |
| FIIs | % | 33.4 | 3.4 | 982.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 56.0 | 11.2 | 500.0% | |
| Shareholders | 82,699 | 438,231 | 18.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CITY UNION BANK With: CANARA BANK PNB J&K BANK KARNATAKA BANK VIJAYA BANK
Compare CITY UNION BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Benchmark indices in US corrected marginally by 0.8% during the week. Minutes of Federal Reserve's July meeting are out and the situation looks to be in favor of the emerging markets.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
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