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Compare City Union Bank with Oriental Bank - Equitymaster

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CITY UNION BANK vs ORIENTAL 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

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    CITY UNION BANK ORIENTAL BANK CITY UNION BANK/
ORIENTAL BANK
 
P/E (TTM) x 16.0 -0.6 - View Chart
P/BV x 2.5 0.2 1,173.9% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   ORIENTAL BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-18
ORIENTAL BANK
Mar-18
CITY UNION BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs209191 109.4%   
Low Rs14584 172.6%   
Income per share (Unadj.) Rs51.2275.0 18.6%  
Earnings per share (Unadj.) Rs8.9-92.8 -9.6%  
Cash flow per share (Unadj.) Rs17.0-194.4 -8.7%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs62.6186.3 33.6%  
Shares outstanding (eoy) m664.73632.77 105.1%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x3.50.5 691.6%   
Avg P/E ratio x19.9-1.5 -1,341.5%  
Avg P/CF ratio x11.62.2 525.8%  
Avg Price/Bookvalue ratio x2.80.7 382.9%  
Dividend payout %3.40-   
Avg Mkt Cap Rs m117,59186,943 135.3%   
No. of employees `0005.322.0 24.2%   
Total wages & salary Rs m3,15917,566 18.0%   
Avg. income/employee Rs Th6,396.77,916.9 80.8%   
Avg. wages/employee Rs Th593.9799.3 74.3%   
Avg. net profit/employee Rs Th1,113.0-2,671.8 -41.7%   
INCOME DATA
Interest income Rs m34,024173,989 19.6%  
Other income Rs m5,32127,824 19.1%   
Interest expense Rs m19,721128,881 15.3%   
Net interest income Rs m14,30345,108 31.7%  
Operating expense Rs m7,54735,900 21.0%   
Gross profit Rs m6,7579,208 73.4%  
Gross profit margin %19.95.3 375.2%  
Provisions/contingencies Rs m4,17897,976 4.3%   
Profit before tax Rs m7,900-60,944 -13.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,980-2,227 -88.9%   
Profit after tax Rs m5,920-58,717 -10.1%  
Net profit margin %17.4-33.7 -51.6%  
BALANCE SHEET DATA
Advances Rs m278,5281,363,679 20.4%   
Deposits Rs m328,5262,073,461 15.8%  
Credit/Deposit ratio x84.865.8 128.9%  
Yield on advances %10.28.9 114.7%   
Cost of deposits %5.95.8 100.9%   
Net Interest Margin %3.72.1 181.8%  
Net fixed assets Rs m2,23125,496 8.8%   
Share capital Rs m6656,328 10.5%   
Free reserves Rs m40,968115,677 35.4%   
Net worth Rs m41,632117,868 35.3%   
Borrowings Rs m17,35996,941 17.9%   
Investments Rs m78,791699,023 11.3%   
Total assets Rs m399,3732,333,440 17.1%  
Debt/equity ratio x8.318.4 45.1%   
Return on assets %1.5-2.5 -58.9%  
Return on equity %14.2-49.8 -28.5%  
Capital adequacy ratio %16.210.5 154.5%  
Net NPAs %1.710.5 16.2%  
CASH FLOW
From Operations Rs m-1,831-36,389 5.0%  
From Investments Rs m-605-4,506 13.4%  
From Financial Activity Rs m113,447 0.3%  
Net Cashflow Rs m-2,425-37,448 6.5%  

Share Holding

Indian Promoters % 0.0 59.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 24.0 42.5%  
FIIs % 33.4 9.9 337.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 7.0 800.0%  
Shareholders   82,699 114,330 72.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   DENA BANK  IDBI BANK  UNITED BANK OF INDIA  CORPORATION BANK  HDFC BANK  

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



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Indian share markets settled around 2% lower today following a sell-off in the global markets and due to uncertainty over the outcome of state assembly elections tomorrow.

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ORIENTAL BANK Announces Quarterly Results (2QFY19); Net Profit Up 105.8% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, ORIENTAL BANK has posted a net profit of Rs 1 bn (up 105.8% YoY). Sales on the other hand came in at Rs 43 bn (down 3.7% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

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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