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Compare City Union Bank with Indusind Bank - Equitymaster

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CITY UNION BANK vs INDUSIND 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

INDUSIND BANK 
   Change

IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More

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Current Valuations

    CITY UNION BANK INDUSIND BANK CITY UNION BANK/
INDUSIND BANK
 
P/E (TTM) x 16.7 25.0 67.0% View Chart
P/BV x 2.6 4.0 63.5% View Chart
Dividend Yield % 0.2 0.5 36.0%  

Financials

 CITY UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
INDUSIND BANK
Mar-18
CITY UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs2091,814 11.5%   
Low Rs1451,400 10.4%   
Income per share (Unadj.) Rs51.2287.9 17.8%  
Earnings per share (Unadj.) Rs8.960.1 14.8%  
Cash flow per share (Unadj.) Rs17.0164.9 10.3%  
Dividends per share (Unadj.) Rs0.307.50 4.0%  
Avg Dividend yield %0.20.5 36.3%  
Book value per share (Unadj.) Rs62.6397.0 15.8%  
Shares outstanding (eoy) m664.73600.22 110.7%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.55.6 61.9%   
Avg P/E ratio x19.926.8 74.2%  
Avg P/CF ratio x11.620.2 57.7%  
Avg Price/Bookvalue ratio x2.84.0 69.8%  
Dividend payout %3.412.5 27.0%   
Avg Mkt Cap Rs m117,591964,674 12.2%   
No. of employees `0005.325.3 21.0%   
Total wages & salary Rs m3,15917,807 17.7%   
Avg. income/employee Rs Th6,396.76,834.7 93.6%   
Avg. wages/employee Rs Th593.9704.3 84.3%   
Avg. net profit/employee Rs Th1,113.01,426.2 78.0%   
INCOME DATA
Interest income Rs m34,024172,808 19.7%  
Other income Rs m5,32147,501 11.2%   
Interest expense Rs m19,72197,833 20.2%   
Net interest income Rs m14,30374,975 19.1%  
Operating expense Rs m7,54755,914 13.5%   
Gross profit Rs m6,75719,060 35.4%  
Gross profit margin %19.911.0 180.0%  
Provisions/contingencies Rs m4,17811,754 35.5%   
Profit before tax Rs m7,90054,807 14.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,98018,747 10.6%   
Profit after tax Rs m5,92036,060 16.4%  
Net profit margin %17.420.9 83.4%  
BALANCE SHEET DATA
Advances Rs m278,5281,449,537 19.2%   
Deposits Rs m328,5261,516,392 21.7%  
Credit/Deposit ratio x84.895.6 88.7%  
Yield on advances %10.29.5 107.9%   
Cost of deposits %5.95.3 110.6%   
Net Interest Margin %3.73.6 103.5%  
Net fixed assets Rs m2,23113,388 16.7%   
Share capital Rs m6656,002 11.1%   
Free reserves Rs m40,968232,285 17.6%   
Net worth Rs m41,632238,287 17.5%   
Borrowings Rs m17,359382,891 4.5%   
Investments Rs m78,791500,783 15.7%   
Total assets Rs m399,3732,216,278 18.0%  
Debt/equity ratio x8.38.0 104.2%   
Return on assets %1.51.6 91.1%  
Return on equity %14.215.1 94.0%  
Capital adequacy ratio %16.215.0 107.9%  
Net NPAs %1.70.5 333.3%  
CASH FLOW
From Operations Rs m-1,831-207,004 0.9%  
From Investments Rs m-605-2,196 27.6%  
From Financial Activity Rs m11155,051 0.0%  
Net Cashflow Rs m-2,425-54,124 4.5%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 10.2 7.5 136.0%  
FIIs % 33.4 43.3 77.1%  
ADR/GDR % 0.0 12.3 -  
Free float % 56.0 21.7 258.1%  
Shareholders   82,699 100,355 82.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   SYNDICATE BANK  J&K BANK  ING VYSYA BANK  UNION BANK  DHANLAXMI BANK  

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



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CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

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For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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