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 -0.1 26.2 - View Chart
P/BV x 0.1 2.2 3.8% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 INDIAN OVERSEAS BANK   CITY UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-19
CITY UNION BANK
Mar-19
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs19207 9.0%   
Low Rs11157 6.9%   
Income per share (Unadj.) Rs19.351.3 37.6%  
Earnings per share (Unadj.) Rs-4.19.3 -44.0%  
Cash flow per share (Unadj.) Rs-16.120.4 -79.1%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs17.965.9 27.2%  
Shares outstanding (eoy) m9,141.65734.50 1,244.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.83.6 21.6%   
Avg P/E ratio x-3.619.6 -18.5%  
Avg P/CF ratio x1.413.4 10.6%  
Avg Price/Bookvalue ratio x0.82.8 29.9%  
Dividend payout %05.4 0.0%   
Avg Mkt Cap Rs m135,296133,752 101.2%   
No. of employees `00026.35.5 477.5%   
Total wages & salary Rs m26,4693,644 726.3%   
Avg. income/employee Rs Th6,691.46,827.1 98.0%   
Avg. wages/employee Rs Th1,004.5660.5 152.1%   
Avg. net profit/employee Rs Th-1,418.61,237.5 -114.6%   
INCOME DATA
Interest income Rs m176,31337,672 468.0%  
Other income Rs m42,0635,144 817.7%   
Interest expense Rs m123,52121,557 573.0%   
Net interest income Rs m52,79116,115 327.6%  
Operating expense Rs m44,5168,859 502.5%   
Gross profit Rs m8,2767,256 114.1%  
Gross profit margin %4.719.3 24.4%  
Provisions/contingencies Rs m132,1713,151 4,194.0%   
Profit before tax Rs m-59,6059,249 -644.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,2272,420 -918.5%   
Profit after tax Rs m-37,3796,829 -547.4%  
Net profit margin %-21.218.1 -117.0%  
BALANCE SHEET DATA
Advances Rs m1,325,976326,733 405.8%   
Deposits Rs m2,225,341384,480 578.8%  
Credit/Deposit ratio x59.685.0 70.1%  
Yield on advances %8.89.7 90.9%   
Cost of deposits %5.25.5 94.7%   
Net Interest Margin %2.33.7 61.6%  
Net fixed assets Rs m33,3692,500 1,334.6%   
Share capital Rs m91,417735 12,446.1%   
Free reserves Rs m72,18247,673 151.4%   
Net worth Rs m163,59948,408 338.0%   
Borrowings Rs m61,4604,809 1,278.0%   
Investments Rs m669,32377,122 867.9%   
Total assets Rs m2,500,075452,589 552.4%  
Debt/equity ratio x14.08.0 173.8%   
Return on assets %-1.51.5 -99.1%  
Return on equity %-22.814.1 -162.0%  
Capital adequacy ratio %10.215.6 65.7%  
Net NPAs %10.81.8 597.2%  
CASH FLOW
From Operations Rs m-7,8593,969 -198.0%  
From Investments Rs m-6,471-867 746.5%  
From Financial Activity Rs m57,795166 34,753.5%  
Net Cashflow Rs m43,4653,269 1,329.8%  

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:   ICICI BANK  DENA BANK  YES BANK  AXIS BANK  BANK OF BARODA  

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



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