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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 19.0 35.5 53.5% View Chart
P/BV x 2.9 5.0 57.2% View Chart
Dividend Yield % 0.2 0.1 306.2%  

Financials

 CITY UNION BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
KOTAK MAH. BANK
Mar-17
CITY UNION BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs169885 19.0%   
Low Rs93656 14.2%   
Income per share (Unadj.) Rs52.8121.3 43.5%  
Earnings per share (Unadj.) Rs8.426.8 31.2%  
Cash flow per share (Unadj.) Rs18.0112.0 16.1%  
Dividends per share (Unadj.) Rs0.300.60 50.0%  
Avg Dividend yield %0.20.1 294.7%  
Book value per share (Unadj.) Rs59.4209.1 28.4%  
Shares outstanding (eoy) m601.061,840.90 32.7%   
Bonus/Rights/Conversions ESOSB-  
Avg Price / Income ratio x2.56.4 39.0%   
Avg P/E ratio x15.628.7 54.4%  
Avg P/CF ratio x9.824.1 40.6%  
Avg Price/Bookvalue ratio x2.23.7 59.7%  
Dividend payout %3.62.2 160.4%   
Avg Mkt Cap Rs m78,5891,418,782 5.5%   
No. of employees `0004.744.0 10.7%   
Total wages & salary Rs m2,98139,823 7.5%   
Avg. income/employee Rs Th6,768.65,073.7 133.4%   
Avg. wages/employee Rs Th635.8905.1 70.3%   
Avg. net profit/employee Rs Th1,072.21,122.8 95.5%   
INCOME DATA
Interest income Rs m31,738223,242 14.2%  
Other income Rs m4,840116,596 4.2%   
Interest expense Rs m19,750114,576 17.2%   
Net interest income Rs m11,988108,667 11.0%  
Operating expense Rs m6,890142,454 4.8%   
Gross profit Rs m5,098-33,788 -15.1%  
Gross profit margin %16.1-15.1 -106.1%  
Provisions/contingencies Rs m3,0109,489 31.7%   
Profit before tax Rs m6,92873,319 9.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m1,90023,829 8.0%   
Profit after tax Rs m5,02849,404 10.2%  
Net profit margin %15.822.1 71.6%  
BALANCE SHEET DATA
Advances Rs m238,3271,671 14,260.0%   
Deposits Rs m301,1571,555 19,362.1%  
Credit/Deposit ratio x79.1107.5 73.6%  
Yield on advances %10.99,944.3 0.1%   
Cost of deposits %6.45,183.7 0.1%   
Net Interest Margin %3.611.5 30.8%  
Net fixed assets Rs m2,15117,552 12.3%   
Share capital Rs m6019,205 6.5%   
Free reserves Rs m22,455312,282 7.2%   
Net worth Rs m35,702384,908 9.3%   
Borrowings Rs m5,310496,899 1.1%   
Investments Rs m70,315684,615 10.3%   
Total assets Rs m352,7082,761,876 12.8%  
Debt/equity ratio x8.61.3 662.9%   
Return on assets %1.41.8 79.7%  
Return on equity %14.112.8 109.7%  
Capital adequacy ratio %15.816.8 94.2%  
Net NPAs %1.71.3 131.5%  
CASH FLOW
From Operations Rs m2,836132,020 2.1%  
From Investments Rs m-503-52,681 1.0%  
From Financial Activity Rs m-4460,553 -0.1%  
Net Cashflow Rs m2,289139,891 1.6%  

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:   PNB  INDIAN OVERSEAS BANK  CORPORATION BANK  CANARA BANK  SYNDICATE BANK  

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



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Feb 21, 2018 (Close)

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