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Compare IDBI Bank with City Union Bank - Equitymaster

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IDBI BANK vs CITY UNION BANK - Comparison Results

IDBI BANK    Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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

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Current Valuations

    IDBI BANK CITY UNION BANK IDBI BANK/
CITY UNION BANK
 
P/E (TTM) x -1.2 18.7 - View Chart
P/BV x 0.4 3.1 12.6% View Chart
Dividend Yield % 1.3 0.2 779.5%  

Financials

 IDBI BANK   CITY UNION BANK
EQUITY SHARE DATA
    IDBI BANK
Mar-15
CITY UNION BANK
Mar-17
IDBI BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs113169 66.9%   
Low Rs6093 64.6%   
Income per share (Unadj.) Rs175.652.8 332.5%  
Earnings per share (Unadj.) Rs5.98.4 70.2%  
Cash flow per share (Unadj.) Rs6.018.0 33.6%  
Dividends per share (Unadj.) Rs0.750.30 250.0%  
Avg Dividend yield %0.90.2 378.1%  
Book value per share (Unadj.) Rs152.059.4 255.8%  
Shares outstanding (eoy) m1,603.96601.06 266.9%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x0.52.5 19.9%   
Avg P/E ratio x14.715.6 94.2%  
Avg P/CF ratio x2.69.8 26.1%  
Avg Price/Bookvalue ratio x0.62.2 25.8%  
Dividend payout %12.83.6 356.1%   
Avg Mkt Cap Rs m138,66278,589 176.4%   
No. of employees `00016.64.7 353.1%   
Total wages & salary Rs m20,1122,981 674.6%   
Avg. income/employee Rs Th17,012.56,768.6 251.3%   
Avg. wages/employee Rs Th1,214.9635.8 191.1%   
Avg. net profit/employee Rs Th568.91,072.2 53.1%   
INCOME DATA
Interest income Rs m281,64331,738 887.4%  
Other income Rs m41,8924,840 865.6%   
Interest expense Rs m223,87219,750 1,133.5%   
Net interest income Rs m57,77111,988 481.9%  
Operating expense Rs m41,0466,890 595.8%   
Gross profit Rs m16,7255,098 328.1%  
Gross profit margin %5.916.1 37.0%  
Provisions/contingencies Rs m44,9053,010 1,492.0%   
Profit before tax Rs m13,4036,928 193.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m1550-   
Prior Period Items Rs m00-   
Tax Rs m4,1391,900 217.9%   
Profit after tax Rs m9,4185,028 187.3%  
Net profit margin %3.315.8 21.1%  
BALANCE SHEET DATA
Advances Rs m2,083,769238,327 874.3%   
Deposits Rs m2,595,230301,157 861.8%  
Credit/Deposit ratio x80.379.1 101.5%  
Yield on advances %10.010.9 92.0%   
Cost of deposits %6.86.4 105.4%   
Net Interest Margin %1.73.6 47.3%  
Net fixed assets Rs m30,8002,151 1,432.0%   
Share capital Rs m16,040601 2,668.4%   
Free reserves Rs m156,91022,455 698.8%   
Net worth Rs m243,74935,702 682.7%   
Borrowings Rs m618,3305,310 11,644.6%   
Investments Rs m1,206,09370,315 1,715.3%   
Total assets Rs m3,559,309352,708 1,009.1%  
Debt/equity ratio x13.28.6 153.6%   
Return on assets %0.31.4 18.6%  
Return on equity %3.914.1 27.4%  
Capital adequacy ratio %11.815.8 74.3%  
Net NPAs %2.91.7 168.4%  
CASH FLOW
From Operations Rs m-19,9062,836 -701.9%  
From Investments Rs m-2,716-503 539.8%  
From Financial Activity Rs m-610-44 1,393.2%  
Net Cashflow Rs m-23,2322,289 -1,014.9%  

Share Holding

Indian Promoters % 71.7 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.7 10.2 134.3%  
FIIs % 3.4 33.4 10.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.2 56.0 20.0%  
Shareholders   438,231 82,699 529.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare IDBI BANK With:   KARUR VYSYA BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  YES BANK  BANK OF MAHARASHTRA  

Compare IDBI BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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