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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 18.3 10.1 181.3% View Chart
P/BV x 3.0 1.4 210.0% View Chart
Dividend Yield % 0.2 12.9 1.3%  

Financials

 CITY UNION BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
KARUR VYSYA BANK
Mar-15
CITY UNION BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs169619 27.2%   
Low Rs93355 26.2%   
Income per share (Unadj.) Rs52.8443.7 11.9%  
Earnings per share (Unadj.) Rs8.440.6 20.6%  
Cash flow per share (Unadj.) Rs18.091.7 19.6%  
Dividends per share (Unadj.) Rs0.3013.00 2.3%  
Avg Dividend yield %0.22.7 8.6%  
Book value per share (Unadj.) Rs59.4349.1 17.0%  
Shares outstanding (eoy) m601.06121.62 494.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.51.1 225.6%   
Avg P/E ratio x15.612.0 130.4%  
Avg P/CF ratio x9.86.1 160.9%  
Avg Price/Bookvalue ratio x2.21.4 157.8%  
Dividend payout %3.632.0 11.2%   
Avg Mkt Cap Rs m78,58959,235 132.7%   
No. of employees `0004.77.2 65.2%   
Total wages & salary Rs m2,9815,471 54.5%   
Avg. income/employee Rs Th6,768.67,497.4 90.3%   
Avg. wages/employee Rs Th635.8760.1 83.6%   
Avg. net profit/employee Rs Th1,072.2686.9 156.1%   
INCOME DATA
Interest income Rs m31,73853,959 58.8%  
Other income Rs m4,8405,808 83.3%   
Interest expense Rs m19,75039,300 50.3%   
Net interest income Rs m11,98814,659 81.8%  
Operating expense Rs m6,89011,035 62.4%   
Gross profit Rs m5,0983,625 140.6%  
Gross profit margin %16.16.7 239.1%  
Provisions/contingencies Rs m3,0104,805 62.6%   
Profit before tax Rs m6,9284,928 140.6%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,90072 2,649.9%   
Profit after tax Rs m5,0284,943 101.7%  
Net profit margin %15.89.2 172.9%  
BALANCE SHEET DATA
Advances Rs m238,327361,089 66.0%   
Deposits Rs m301,157446,903 67.4%  
Credit/Deposit ratio x79.180.8 97.9%  
Yield on advances %10.911.7 93.2%   
Cost of deposits %6.47.9 81.4%   
Net Interest Margin %3.62.8 125.1%  
Net fixed assets Rs m2,1514,112 52.3%   
Share capital Rs m6011,216 49.4%   
Free reserves Rs m22,45525,054 89.6%   
Net worth Rs m35,70242,460 84.1%   
Borrowings Rs m5,31029,008 18.3%   
Investments Rs m70,315127,730 55.0%   
Total assets Rs m352,708531,525 66.4%  
Debt/equity ratio x8.611.2 76.6%   
Return on assets %1.40.9 153.3%  
Return on equity %14.111.6 121.0%  
Capital adequacy ratio %15.814.6 108.3%  
Net NPAs %1.70.8 219.2%  
CASH FLOW
From Operations Rs m2,836-3,090 -91.8%  
From Investments Rs m-503-1,023 49.2%  
From Financial Activity Rs m-444,822 -0.9%  
Net Cashflow Rs m2,289710 322.6%  

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:   AXIS BANK  DHANLAXMI BANK  ING VYSYA BANK  VIJAYA BANK  INDUSIND BANK  

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



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