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Compare Indian Overseas Bank with City Union Bank - Equitymaster
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INDIAN OVERSEAS BANK vs CITY UNION BANK - Comparison Results

CITY UNION BANK 
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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

    INDIAN OVERSEAS BANK CITY UNION BANK INDIAN OVERSEAS BANK/
CITY UNION BANK
 
P/E (TTM) x -0.8 19.8 - View Chart
P/BV x 0.2 3.2 5.8% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 INDIAN OVERSEAS BANK   CITY UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
CITY UNION BANK
Mar-16
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs4898 48.5%   
Low Rs2177 27.4%   
Income per share (Unadj.) Rs130.149.2 264.4%  
Earnings per share (Unadj.) Rs-18.77.4 -252.1%  
Cash flow per share (Unadj.) Rs-32.115.5 -206.7%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %01.4 0.0%  
Book value per share (Unadj.) Rs86.751.0 169.9%  
Shares outstanding (eoy) m1,807.27598.19 302.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.31.8 14.8%   
Avg P/E ratio x-1.811.8 -15.6%  
Avg P/CF ratio x1.97.7 24.8%  
Avg Price/Bookvalue ratio x0.41.7 23.1%  
Dividend payout %016.1 0.0%   
Avg Mkt Cap Rs m61,98952,312 118.5%   
No. of employees `000NA4.5 0.0%   
Total wages & salary Rs m33,9042,132 1,590.5%   
Avg. income/employee Rs ThNM6,518.1-  
Avg. wages/employee Rs ThNM471.9-  
Avg. net profit/employee Rs ThN.A.984.5-  
INCOME DATA
Interest income Rs m235,17329,442 798.8%  
Other income Rs m25,2834,100 616.7%   
Interest expense Rs m181,34619,632 923.7%   
Net interest income Rs m53,8279,810 548.7%  
Operating expense Rs m50,2555,577 901.1%   
Gross profit Rs m3,5724,233 84.4%  
Gross profit margin %1.514.4 10.6%  
Provisions/contingencies Rs m66,1362,306 2,868.1%   
Profit before tax Rs m-42,1796,027 -699.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8,3081,580 -525.8%   
Profit after tax Rs m-33,8724,447 -761.7%  
Net profit margin %-14.415.1 -95.4%  
BALANCE SHEET DATA
Advances Rs m1,608,607210,569 763.9%   
Deposits Rs m2,245,142271,581 826.7%  
Credit/Deposit ratio x71.677.5 92.4%  
Yield on advances %10.411.2 92.1%   
Cost of deposits %7.27.1 102.2%   
Net Interest Margin %2.13.3 62.7%  
Net fixed assets Rs m32,7052,176 1,503.2%   
Share capital Rs m18,073598 3,021.2%   
Free reserves Rs m89,45219,301 463.4%   
Net worth Rs m156,65830,520 513.3%   
Borrowings Rs m271,8331,126 24,152.2%   
Investments Rs m791,89663,245 1,252.1%   
Total assets Rs m2,744,368312,520 878.1%  
Debt/equity ratio x16.18.9 179.8%   
Return on assets %-1.21.4 -86.7%  
Return on equity %-21.614.6 -148.4%  
Capital adequacy ratio %9.715.6 62.0%  
Net NPAs %11.91.5 777.1%  
CASH FLOW
From Operations Rs m-15,5151,985 -781.8%  
From Investments Rs m-2,536-600 422.7%  
From Financial Activity Rs m-8,472-752 1,127.1%  
Net Cashflow Rs m-26,523633 -4,190.1%  

Share Holding

Indian Promoters % 73.8 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 10.2 150.0%  
FIIs % 1.9 33.4 5.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 56.0 16.3%  
Shareholders   250,609 82,699 303.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   CANARA BANK  PNB  INDUSIND BANK  DCB BANK  ANDHRA BANK  

Compare INDIAN OVERSEAS BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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