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Compare City Union Bank with Karur Vysya Bank - Equitymaster

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CITY UNION BANK vs KARUR VYSYA 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

KARUR VYSYA BANK 
   Change

The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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Current Valuations

    CITY UNION BANK KARUR VYSYA BANK CITY UNION BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 15.5 19.5 79.3% View Chart
P/BV x 2.4 1.1 220.2% View Chart
Dividend Yield % 0.2 17.4 1.0%  

Financials

 CITY UNION BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
KARUR VYSYA BANK
Mar-16
CITY UNION BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs209560 37.3%   
Low Rs145394 36.8%   
Income per share (Unadj.) Rs51.2446.7 11.5%  
Earnings per share (Unadj.) Rs8.946.5 19.1%  
Cash flow per share (Unadj.) Rs17.0151.0 11.2%  
Dividends per share (Unadj.) Rs0.3014.00 2.1%  
Avg Dividend yield %0.22.9 5.8%  
Book value per share (Unadj.) Rs62.6375.3 16.7%  
Shares outstanding (eoy) m664.73121.86 545.5%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.51.1 323.8%   
Avg P/E ratio x19.910.2 193.8%  
Avg P/CF ratio x11.66.5 178.5%  
Avg Price/Bookvalue ratio x2.81.3 222.3%  
Dividend payout %3.430.1 11.2%   
Avg Mkt Cap Rs m117,59158,103 202.4%   
No. of employees `0005.37.2 73.8%   
Total wages & salary Rs m3,1595,474 57.7%   
Avg. income/employee Rs Th6,396.77,548.7 84.7%   
Avg. wages/employee Rs Th593.9759.1 78.2%   
Avg. net profit/employee Rs Th1,113.0786.2 141.6%   
INCOME DATA
Interest income Rs m34,02454,434 62.5%  
Other income Rs m5,3217,068 75.3%   
Interest expense Rs m19,72136,620 53.9%   
Net interest income Rs m14,30317,814 80.3%  
Operating expense Rs m7,54712,528 60.2%   
Gross profit Rs m6,7575,286 127.8%  
Gross profit margin %19.99.7 204.5%  
Provisions/contingencies Rs m4,1783,238 129.0%   
Profit before tax Rs m7,9009,109 86.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9803,440 57.6%   
Profit after tax Rs m5,9205,669 104.4%  
Net profit margin %17.410.4 167.1%  
BALANCE SHEET DATA
Advances Rs m278,528390,844 71.3%   
Deposits Rs m328,526500,789 65.6%  
Credit/Deposit ratio x84.878.0 108.6%  
Yield on advances %10.211.1 92.1%   
Cost of deposits %5.96.9 85.6%   
Net Interest Margin %3.73.2 115.3%  
Net fixed assets Rs m2,2314,201 53.1%   
Share capital Rs m6651,219 54.5%   
Free reserves Rs m40,96826,513 154.5%   
Net worth Rs m41,63245,730 91.0%   
Borrowings Rs m17,35915,732 110.3%   
Investments Rs m78,791132,217 59.6%   
Total assets Rs m399,373576,637 69.3%  
Debt/equity ratio x8.311.3 73.6%   
Return on assets %1.51.0 150.8%  
Return on equity %14.212.4 114.7%  
Capital adequacy ratio %16.212.2 133.3%  
Net NPAs %1.70.6 309.1%  
CASH FLOW
From Operations Rs m-1,8314,799 -38.2%  
From Investments Rs m-605-917 66.0%  
From Financial Activity Rs m11-3,457 -0.3%  
Net Cashflow Rs m-2,425425 -570.5%  

Share Holding

Indian Promoters % 0.0 3.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 12.4 82.3%  
FIIs % 33.4 25.1 133.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 59.4 94.3%  
Shareholders   82,699 74,641 110.8%  
Pledged promoter(s) holding % 0.0 8.7 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK  FEDERAL BANK  DCB BANK  BANK OF INDIA  KOTAK MAH. 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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For the quarter ended September 2018, KARUR VYSYA BANK has posted a net profit of Rs 837 m (up 10.7% YoY). Sales on the other hand came in at Rs 15 bn (up 3.9% YoY). Read on for a complete analysis of KARUR VYSYA BANK's quarterly results.

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