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Compare City Union Bank with Kotak Bank - Equitymaster
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CITY UNION BANK vs KOTAK MAH. 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

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    CITY UNION BANK KOTAK MAH. BANK CITY UNION BANK/
KOTAK MAH. BANK
 
P/E (TTM) x 19.6 34.8 56.3% View Chart
P/BV x 3.1 4.7 66.1% View Chart
Dividend Yield % 0.8 0.1 1,239.2%  

Financials

 CITY UNION BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-16
KOTAK MAH. BANK
Mar-17
CITY UNION BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs98885 11.1%   
Low Rs77656 11.7%   
Income per share (Unadj.) Rs49.2121.3 40.6%  
Earnings per share (Unadj.) Rs7.426.8 27.7%  
Cash flow per share (Unadj.) Rs15.5112.0 13.9%  
Dividends per share (Unadj.) Rs1.200.60 200.0%  
Avg Dividend yield %1.40.1 1,762.6%  
Book value per share (Unadj.) Rs51.0209.1 24.4%  
Shares outstanding (eoy) m598.191,840.90 32.5%   
Bonus/Rights/Conversions ESOSB-  
Avg Price / Income ratio x1.86.4 28.0%   
Avg P/E ratio x11.828.7 41.0%  
Avg P/CF ratio x7.724.1 32.2%  
Avg Price/Bookvalue ratio x1.73.7 46.5%  
Dividend payout %16.12.2 722.0%   
Avg Mkt Cap Rs m52,3121,418,782 3.7%   
No. of employees `0004.544.0 10.3%   
Total wages & salary Rs m2,13239,823 5.4%   
Avg. income/employee Rs Th6,518.15,073.7 128.5%   
Avg. wages/employee Rs Th471.9905.1 52.1%   
Avg. net profit/employee Rs Th984.51,122.8 87.7%   
INCOME DATA
Interest income Rs m29,442223,242 13.2%  
Other income Rs m4,100116,596 3.5%   
Interest expense Rs m19,632114,576 17.1%   
Net interest income Rs m9,810108,667 9.0%  
Operating expense Rs m5,577142,454 3.9%   
Gross profit Rs m4,233-33,788 -12.5%  
Gross profit margin %14.4-15.1 -95.0%  
Provisions/contingencies Rs m2,3069,489 24.3%   
Profit before tax Rs m6,02773,319 8.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m1,58023,829 6.6%   
Profit after tax Rs m4,44749,404 9.0%  
Net profit margin %15.122.1 68.2%  
BALANCE SHEET DATA
Advances Rs m210,5691,671 12,599.1%   
Deposits Rs m271,5811,555 17,460.5%  
Credit/Deposit ratio x77.5107.5 72.2%  
Yield on advances %11.29,944.3 0.1%   
Cost of deposits %7.15,183.7 0.1%   
Net Interest Margin %3.311.5 28.4%  
Net fixed assets Rs m2,17617,552 12.4%   
Share capital Rs m5989,205 6.5%   
Free reserves Rs m19,301312,282 6.2%   
Net worth Rs m30,520384,908 7.9%   
Borrowings Rs m1,126496,899 0.2%   
Investments Rs m63,245684,615 9.2%   
Total assets Rs m312,5202,761,876 11.3%  
Debt/equity ratio x8.91.3 690.0%   
Return on assets %1.41.8 79.5%  
Return on equity %14.612.8 113.5%  
Capital adequacy ratio %15.616.8 92.7%  
Net NPAs %1.51.3 117.7%  
CASH FLOW
From Operations Rs m1,985132,020 1.5%  
From Investments Rs m-600-52,681 1.1%  
From Financial Activity Rs m-75260,553 -1.2%  
Net Cashflow Rs m633139,891 0.5%  

Share Holding

Indian Promoters % 0.0 43.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 1.9 536.8%  
FIIs % 33.4 31.7 105.4%  
ADR/GDR % 0.0 0.2 -  
Free float % 56.0 22.7 246.7%  
Shareholders   82,699 64,886 127.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   UNITED BANK OF INDIA  KARNATAKA BANK  ANDHRA BANK  FEDERAL BANK  PUNJAB & SIND BANK  

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



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Aug 17, 2017 (Close)

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