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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 18.9 14.3 132.5% View Chart
P/BV x 3.0 2.0 147.5% View Chart
Dividend Yield % 0.8 9.1 8.5%  

Financials

 CITY UNION BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
KARUR VYSYA BANK
Mar-15
CITY UNION BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs98619 15.8%   
Low Rs77355 21.7%   
Income per share (Unadj.) Rs49.2443.7 11.1%  
Earnings per share (Unadj.) Rs7.440.6 18.3%  
Cash flow per share (Unadj.) Rs15.591.7 16.9%  
Dividends per share (Unadj.) Rs1.2013.00 9.2%  
Avg Dividend yield %1.42.7 51.4%  
Book value per share (Unadj.) Rs51.0349.1 14.6%  
Shares outstanding (eoy) m598.19121.62 491.9%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x1.81.1 161.9%   
Avg P/E ratio x11.812.0 98.2%  
Avg P/CF ratio x7.76.1 127.5%  
Avg Price/Bookvalue ratio x1.71.4 122.9%  
Dividend payout %16.132.0 50.5%   
Avg Mkt Cap Rs m52,31259,235 88.3%   
No. of employees `0004.57.2 62.8%   
Total wages & salary Rs m2,1325,471 39.0%   
Avg. income/employee Rs Th6,518.17,497.4 86.9%   
Avg. wages/employee Rs Th471.9760.1 62.1%   
Avg. net profit/employee Rs Th984.5686.9 143.3%   
INCOME DATA
Interest income Rs m29,44253,959 54.6%  
Other income Rs m4,1005,808 70.6%   
Interest expense Rs m19,63239,300 50.0%   
Net interest income Rs m9,81014,659 66.9%  
Operating expense Rs m5,57711,035 50.5%   
Gross profit Rs m4,2333,625 116.8%  
Gross profit margin %14.46.7 214.0%  
Provisions/contingencies Rs m2,3064,805 48.0%   
Profit before tax Rs m6,0274,928 122.3%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,58072 2,203.6%   
Profit after tax Rs m4,4474,943 90.0%  
Net profit margin %15.19.2 164.9%  
BALANCE SHEET DATA
Advances Rs m210,569361,089 58.3%   
Deposits Rs m271,581446,903 60.8%  
Credit/Deposit ratio x77.580.8 96.0%  
Yield on advances %11.211.7 96.4%   
Cost of deposits %7.17.9 89.4%   
Net Interest Margin %3.32.8 115.2%  
Net fixed assets Rs m2,1764,112 52.9%   
Share capital Rs m5981,216 49.2%   
Free reserves Rs m19,30125,054 77.0%   
Net worth Rs m30,52042,460 71.9%   
Borrowings Rs m1,12629,008 3.9%   
Investments Rs m63,245127,730 49.5%   
Total assets Rs m312,520531,525 58.8%  
Debt/equity ratio x8.911.2 79.7%   
Return on assets %1.40.9 153.0%  
Return on equity %14.611.6 125.1%  
Capital adequacy ratio %15.614.6 106.6%  
Net NPAs %1.50.8 196.2%  
CASH FLOW
From Operations Rs m1,985-3,090 -64.2%  
From Investments Rs m-600-1,023 58.6%  
From Financial Activity Rs m-7524,822 -15.6%  
Net Cashflow Rs m633710 89.2%  

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:   ALLAHABAD BANK  ANDHRA BANK  INDUSIND BANK  KARNATAKA BANK  VIJAYA BANK  

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



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