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Compare City Union Bank with Vijaya Bank - Equitymaster

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CITY UNION BANK vs VIJAYA 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

VIJAYA BANK 
   Change

Vijaya Bank became nationalised bank in 1980 having a branch network of 910 spread across 28 states and four union territories. During FY05 the bank achieved the distinction of 100% branch computerisation. The major focus of the bank during the year ... More

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Current Valuations

    CITY UNION BANK VIJAYA BANK CITY UNION BANK/
VIJAYA BANK
 
P/E (TTM) x 18.6 6.6 280.2% View Chart
P/BV x 3.1 0.8 393.6% View Chart
Dividend Yield % 0.2 2.7 6.1%  

Financials

 CITY UNION BANK   VIJAYA BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-17
VIJAYA BANK
Mar-15
CITY UNION BANK/
VIJAYA BANK
5-Yr Chart
Click to enlarge
High Rs16958 288.5%   
Low Rs9339 239.7%   
Income per share (Unadj.) Rs52.8142.9 37.0%  
Earnings per share (Unadj.) Rs8.45.1 163.5%  
Cash flow per share (Unadj.) Rs18.016.9 106.3%  
Dividends per share (Unadj.) Rs0.301.50 20.0%  
Avg Dividend yield %0.23.1 7.4%  
Book value per share (Unadj.) Rs59.471.7 82.8%  
Shares outstanding (eoy) m601.06859.12 70.0%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.50.3 727.9%   
Avg P/E ratio x15.69.5 164.5%  
Avg P/CF ratio x9.83.2 304.1%  
Avg Price/Bookvalue ratio x2.20.7 324.7%  
Dividend payout %3.629.3 12.2%   
Avg Mkt Cap Rs m78,58941,753 188.2%   
No. of employees `0004.713.6 34.4%   
Total wages & salary Rs m2,98111,656 25.6%   
Avg. income/employee Rs Th6,768.69,013.4 75.1%   
Avg. wages/employee Rs Th635.8856.0 74.3%   
Avg. net profit/employee Rs Th1,072.2322.7 332.3%   
INCOME DATA
Interest income Rs m31,738122,735 25.9%  
Other income Rs m4,8408,790 55.1%   
Interest expense Rs m19,75099,813 19.8%   
Net interest income Rs m11,98822,923 52.3%  
Operating expense Rs m6,89019,122 36.0%   
Gross profit Rs m5,0983,801 134.1%  
Gross profit margin %16.13.1 518.7%  
Provisions/contingencies Rs m3,0108,591 35.0%   
Profit before tax Rs m6,9283,999 173.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,900-395 -480.9%   
Profit after tax Rs m5,0284,394 114.4%  
Net profit margin %15.83.6 442.5%  
BALANCE SHEET DATA
Advances Rs m238,327866,959 27.5%   
Deposits Rs m301,1571,263,434 23.8%  
Credit/Deposit ratio x79.168.6 115.3%  
Yield on advances %10.99.9 109.5%   
Cost of deposits %6.47.7 84.0%   
Net Interest Margin %3.61.7 214.8%  
Net fixed assets Rs m2,1515,667 38.0%   
Share capital Rs m6018,591 7.0%   
Free reserves Rs m22,45527,944 80.4%   
Net worth Rs m35,70261,598 58.0%   
Borrowings Rs m5,31072,782 7.3%   
Investments Rs m70,315445,221 15.8%   
Total assets Rs m352,7081,426,431 24.7%  
Debt/equity ratio x8.621.7 39.6%   
Return on assets %1.40.3 462.7%  
Return on equity %14.17.1 197.4%  
Capital adequacy ratio %15.811.7 135.3%  
Net NPAs %1.71.9 89.1%  
CASH FLOW
From Operations Rs m2,836-32,120 -8.8%  
From Investments Rs m-503-1,042 48.3%  
From Financial Activity Rs m-4412,104 -0.4%  
Net Cashflow Rs m2,289-21,058 -10.9%  

Share Holding

Indian Promoters % 0.0 74.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.2 7.9 129.1%  
FIIs % 33.4 2.0 1,670.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 56.0 16.0 350.0%  
Shareholders   82,699 303,047 27.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   BANK OF MAHARASHTRA  UNION BANK  INDUSIND BANK  DCB BANK  ANDHRA BANK  

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



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