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| CITY UNION BANK | INDIAN OVERSEAS BANK | CITY UNION BANK/ INDIAN OVERSEAS BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 18.9 | -0.8 | - | View Chart |
| P/BV | x | 3.0 | 0.2 | 1,682.2% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
 CITY UNION BANK  INDIAN OVERSEAS BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CITY UNION BANK Mar-16 |
INDIAN OVERSEAS BANK Mar-16 |
CITY UNION BANK/ INDIAN OVERSEAS BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 98 | 48 | 206.3% | |
| Low | Rs | 77 | 21 | 364.5% | |
| Income per share (Unadj.) | Rs | 49.2 | 130.1 | 37.8% | |
| Earnings per share (Unadj.) | Rs | 7.4 | -18.7 | -39.7% | |
| Cash flow per share (Unadj.) | Rs | 15.5 | -32.1 | -48.4% | |
| Dividends per share (Unadj.) | Rs | 1.20 | 0 | - | |
| Avg Dividend yield | % | 1.4 | 0 | - | |
| Book value per share (Unadj.) | Rs | 51.0 | 86.7 | 58.9% | |
| Shares outstanding (eoy) | m | 598.19 | 1,807.27 | 33.1% | |
| Bonus/Rights/Conversions | ESOS | - | - | ||
| Avg Price / Income ratio | x | 1.8 | 0.3 | 674.1% | |
| Avg P/E ratio | x | 11.8 | -1.8 | -642.8% | |
| Avg P/CF ratio | x | 7.7 | 1.9 | 403.2% | |
| Avg Price/Bookvalue ratio | x | 1.7 | 0.4 | 433.2% | |
| Dividend payout | % | 16.1 | 0 | - | |
| Avg Mkt Cap | Rs m | 52,312 | 61,989 | 84.4% | |
| No. of employees | `000 | 4.5 | NA | - | |
| Total wages & salary | Rs m | 2,132 | 33,904 | 6.3% | |
| Avg. income/employee | Rs Th | 6,518.1 | NM | - | |
| Avg. wages/employee | Rs Th | 471.9 | NM | - | |
| Avg. net profit/employee | Rs Th | 984.5 | N.A. | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 29,442 | 235,173 | 12.5% | |
| Other income | Rs m | 4,100 | 25,283 | 16.2% | |
| Interest expense | Rs m | 19,632 | 181,346 | 10.8% | |
| Net interest income | Rs m | 9,810 | 53,827 | 18.2% | |
| Operating expense | Rs m | 5,577 | 50,255 | 11.1% | |
| Gross profit | Rs m | 4,233 | 3,572 | 118.5% | |
| Gross profit margin | % | 14.4 | 1.5 | 946.6% | |
| Provisions/contingencies | Rs m | 2,306 | 66,136 | 3.5% | |
| Profit before tax | Rs m | 6,027 | -42,179 | -14.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,580 | -8,308 | -19.0% | |
| Profit after tax | Rs m | 4,447 | -33,872 | -13.1% | |
| Net profit margin | % | 15.1 | -14.4 | -104.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 210,569 | 1,608,607 | 13.1% | |
| Deposits | Rs m | 271,581 | 2,245,142 | 12.1% | |
| Credit/Deposit ratio | x | 77.5 | 71.6 | 108.2% | |
| Yield on advances | % | 11.2 | 10.4 | 108.5% | |
| Cost of deposits | % | 7.1 | 7.2 | 97.8% | |
| Net Interest Margin | % | 3.3 | 2.1 | 159.5% | |
| Net fixed assets | Rs m | 2,176 | 32,705 | 6.7% | |
| Share capital | Rs m | 598 | 18,073 | 3.3% | |
| Free reserves | Rs m | 19,301 | 89,452 | 21.6% | |
| Net worth | Rs m | 30,520 | 156,658 | 19.5% | |
| Borrowings | Rs m | 1,126 | 271,833 | 0.4% | |
| Investments | Rs m | 63,245 | 791,896 | 8.0% | |
| Total assets | Rs m | 312,520 | 2,744,368 | 11.4% | |
| Debt/equity ratio | x | 8.9 | 16.1 | 55.6% | |
| Return on assets | % | 1.4 | -1.2 | -115.3% | |
| Return on equity | % | 14.6 | -21.6 | -67.4% | |
| Capital adequacy ratio | % | 15.6 | 9.7 | 161.3% | |
| Net NPAs | % | 1.5 | 11.9 | 12.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 1,985 | -15,515 | -12.8% | |
| From Investments | Rs m | -600 | -2,536 | 23.7% | |
| From Financial Activity | Rs m | -752 | -8,472 | 8.9% | |
| Net Cashflow | Rs m | 633 | -26,523 | -2.4% | |
| Indian Promoters | % | 0.0 | 73.8 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 10.2 | 15.3 | 66.7% | |
| FIIs | % | 33.4 | 1.9 | 1,757.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 56.0 | 9.1 | 615.4% | |
| Shareholders | 82,699 | 250,609 | 33.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CITY UNION BANK With: ICICI BANK DENA BANK ORIENTAL BANK J&K BANK BANK OF BARODA
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%.
What should you make of Ola drivers turning day traders and Radio Jockeys giving opinion on the Sensex?
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Don't miss these proxy bets on growing companies or in a few years you will be looking back with regret.
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The India VIX is up 36% in the last week. Fear has gone up but is still low by historical standards.
Raksha Bandhan signifies the brother-sister bond. Here are 7 thoughtful financial gifts for sisters...
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