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Compare City Union Bank with PNB - Equitymaster

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CITY UNION BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    CITY UNION BANK PNB CITY UNION BANK/
PNB
 
P/E (TTM) x 18.5 -1.2 - View Chart
P/BV x 3.1 0.4 868.9% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 CITY UNION BANK   PNB
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
PNB
Mar-17
CITY UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs169159 105.7%   
Low Rs9372 129.2%   
Income per share (Unadj.) Rs52.8225.8 23.4%  
Earnings per share (Unadj.) Rs8.44.0 209.6%  
Cash flow per share (Unadj.) Rs18.0-17.4 -103.2%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs59.4202.8 29.3%  
Shares outstanding (eoy) m601.062,127.97 28.2%   
Bonus/Rights/Conversions ESOSOI-  
Avg Price / Income ratio x2.50.5 483.3%   
Avg P/E ratio x15.629.0 53.9%  
Avg P/CF ratio x9.81.6 618.2%  
Avg Price/Bookvalue ratio x2.20.6 385.9%  
Dividend payout %3.60-   
Avg Mkt Cap Rs m78,589246,206 31.9%   
No. of employees `0004.773.9 6.3%   
Total wages & salary Rs m2,98154,823 5.4%   
Avg. income/employee Rs Th6,768.66,501.5 104.1%   
Avg. wages/employee Rs Th635.8741.7 85.7%   
Avg. net profit/employee Rs Th1,072.2114.9 933.4%   
INCOME DATA
Interest income Rs m31,738480,581 6.6%  
Other income Rs m4,84091,676 5.3%   
Interest expense Rs m19,750327,223 6.0%   
Net interest income Rs m11,988153,358 7.8%  
Operating expense Rs m6,89095,236 7.2%   
Gross profit Rs m5,09858,122 8.8%  
Gross profit margin %16.112.1 132.8%  
Provisions/contingencies Rs m3,010147,176 2.0%   
Profit before tax Rs m6,92815,401 45.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,9006,390 29.7%   
Profit after tax Rs m5,0288,492 59.2%  
Net profit margin %15.81.8 896.5%  
BALANCE SHEET DATA
Advances Rs m238,3274,242,305 5.6%   
Deposits Rs m301,1576,296,509 4.8%  
Credit/Deposit ratio x79.167.4 117.5%  
Yield on advances %10.97.9 136.8%   
Cost of deposits %6.44.8 134.7%   
Net Interest Margin %3.62.2 163.8%  
Net fixed assets Rs m2,15162,978 3.4%   
Share capital Rs m6014,256 14.1%   
Free reserves Rs m22,455305,883 7.3%   
Net worth Rs m35,702431,649 8.3%   
Borrowings Rs m5,310433,360 1.2%   
Investments Rs m70,3151,915,272 3.7%   
Total assets Rs m352,7087,333,109 4.8%  
Debt/equity ratio x8.615.6 55.1%   
Return on assets %1.40.1 1,231.0%  
Return on equity %14.12.0 715.9%  
Capital adequacy ratio %15.812.4 127.8%  
Net NPAs %1.77.8 21.9%  
CASH FLOW
From Operations Rs m2,836219,380 1.3%  
From Investments Rs m-5031,588 -31.7%  
From Financial Activity Rs m-44-97,671 0.0%  
Net Cashflow Rs m2,289123,297 1.9%  

Share Holding

Indian Promoters % 0.0 58.9 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 18.7 54.5%  
FIIs % 33.4 17.2 194.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 5.3 1,056.6%  
Shareholders   82,699 215,441 38.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   J&K BANK  CORPORATION BANK  IDBI BANK  VIJAYA BANK  DHANLAXMI BANK  

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



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