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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 
   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

    INDIAN OVERSEAS BANK CITY UNION BANK INDIAN OVERSEAS BANK/
CITY UNION BANK
 
P/E (TTM) x -0.3 18.5 - View Chart
P/BV x 0.1 3.1 4.4% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 INDIAN OVERSEAS BANK   CITY UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-17
CITY UNION BANK
Mar-17
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs33169 19.4%   
Low Rs2193 22.7%   
Income per share (Unadj.) Rs80.352.8 152.1%  
Earnings per share (Unadj.) Rs-27.98.4 -333.1%  
Cash flow per share (Unadj.) Rs-36.418.0 -202.2%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs56.059.4 94.3%  
Shares outstanding (eoy) m2,454.72601.06 408.4%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.32.5 13.5%   
Avg P/E ratio x-1.015.6 -6.2%  
Avg P/CF ratio x34.69.8 353.9%  
Avg Price/Bookvalue ratio x0.52.2 21.8%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m66,03278,589 84.0%   
No. of employees `000NA4.7 0.0%   
Total wages & salary Rs m30,4472,981 1,021.2%   
Avg. income/employee Rs ThNM6,768.6-  
Avg. wages/employee Rs ThNM635.8-  
Avg. net profit/employee Rs ThN.A.1,072.2-  
INCOME DATA
Interest income Rs m197,18631,738 621.3%  
Other income Rs m33,7264,840 696.9%   
Interest expense Rs m145,29019,750 735.6%   
Net interest income Rs m51,89611,988 432.9%  
Operating expense Rs m49,1206,890 712.9%   
Gross profit Rs m2,7765,098 54.4%  
Gross profit margin %1.416.1 8.8%  
Provisions/contingencies Rs m70,3113,010 2,336.2%   
Profit before tax Rs m-68,0456,928 -982.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3581,900 18.8%   
Profit after tax Rs m-68,4035,028 -1,360.5%  
Net profit margin %-34.715.8 -219.0%  
BALANCE SHEET DATA
Advances Rs m1,404,586238,327 589.4%   
Deposits Rs m2,113,426301,157 701.8%  
Credit/Deposit ratio x66.579.1 84.0%  
Yield on advances %10.010.9 92.1%   
Cost of deposits %6.26.4 95.6%   
Net Interest Margin %2.23.6 62.1%  
Net fixed assets Rs m30,5432,151 1,420.1%   
Share capital Rs m24,547601 4,083.7%   
Free reserves Rs m101,10622,455 450.3%   
Net worth Rs m137,44635,702 385.0%   
Borrowings Rs m160,9775,310 3,031.6%   
Investments Rs m715,49270,315 1,017.6%   
Total assets Rs m2,471,675352,708 700.8%  
Debt/equity ratio x16.58.6 192.8%   
Return on assets %-2.81.4 -194.1%  
Return on equity %-49.814.1 -353.4%  
Capital adequacy ratio %10.515.8 66.3%  
Net NPAs %14.01.7 818.1%  
CASH FLOW
From Operations Rs m-5,0502,836 -178.0%  
From Investments Rs m-1,349-503 268.0%  
From Financial Activity Rs m16,166-44 -36,908.7%  
Net Cashflow Rs m9,7682,289 426.7%  

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:   FEDERAL BANK  YES BANK  PUNJAB & SIND BANK  DENA BANK  ORIENTAL BANK  

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



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