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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 -0.4 18.0 - View Chart
P/BV x 0.1 3.1 2.5% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 INDIAN OVERSEAS BANK   CITY UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-19
CITY UNION BANK
Mar-18
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs19209 9.0%   
Low Rs11145 7.5%   
Income per share (Unadj.) Rs19.351.2 37.7%  
Earnings per share (Unadj.) Rs-4.18.9 -45.9%  
Cash flow per share (Unadj.) Rs-16.117.0 -95.0%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs17.962.6 28.6%  
Shares outstanding (eoy) m9,141.65664.73 1,375.2%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.83.5 22.2%   
Avg P/E ratio x-3.619.9 -18.2%  
Avg P/CF ratio x1.411.6 12.3%  
Avg Price/Bookvalue ratio x0.82.8 29.3%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m135,296117,591 115.1%   
No. of employees `00026.35.3 495.4%   
Total wages & salary Rs m26,4693,159 837.9%   
Avg. income/employee Rs Th6,691.46,396.7 104.6%   
Avg. wages/employee Rs Th1,004.5593.9 169.2%   
Avg. net profit/employee Rs Th-1,418.61,113.0 -127.5%   
INCOME DATA
Interest income Rs m176,31334,024 518.2%  
Other income Rs m42,0635,321 790.5%   
Interest expense Rs m123,52119,721 626.3%   
Net interest income Rs m52,79114,303 369.1%  
Operating expense Rs m44,5167,547 589.9%   
Gross profit Rs m8,2766,757 122.5%  
Gross profit margin %4.719.9 23.6%  
Provisions/contingencies Rs m132,1714,178 3,163.9%   
Profit before tax Rs m-59,6057,900 -754.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,2271,980 -1,122.6%   
Profit after tax Rs m-37,3795,920 -631.4%  
Net profit margin %-21.217.4 -121.8%  
BALANCE SHEET DATA
Advances Rs m1,325,976278,528 476.1%   
Deposits Rs m2,225,341328,526 677.4%  
Credit/Deposit ratio x59.684.8 70.3%  
Yield on advances %8.810.2 86.7%   
Cost of deposits %5.25.9 88.5%   
Net Interest Margin %2.33.7 61.5%  
Net fixed assets Rs m33,3692,231 1,495.5%   
Share capital Rs m91,417665 13,753.0%   
Free reserves Rs m72,18240,968 176.2%   
Net worth Rs m163,59941,632 393.0%   
Borrowings Rs m61,46017,359 354.1%   
Investments Rs m669,32378,791 849.5%   
Total assets Rs m2,500,075399,373 626.0%  
Debt/equity ratio x14.08.3 168.2%   
Return on assets %-1.51.5 -100.9%  
Return on equity %-22.814.2 -160.7%  
Capital adequacy ratio %10.216.2 62.9%  
Net NPAs %10.81.7 635.9%  
CASH FLOW
From Operations Rs m-7,859-1,831 429.2%  
From Investments Rs m-6,471-605 1,069.1%  
From Financial Activity Rs m57,79511 530,229.4%  
Net Cashflow Rs m43,465-2,425 -1,792.1%  

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:   HDFC BANK  FEDERAL BANK  KARUR VYSYA BANK  BANK OF INDIA  KOTAK MAHINDRA BANK  

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



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Related Views on News

CITY UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 14.9% (Quarterly Result Update)

Aug 8, 2019 | Updated on Aug 8, 2019

For the quarter ended June 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 14.9% YoY). Sales on the other hand came in at Rs 10 bn (up 15.7% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (1QFY20); Net Profit Up 62.8% (Quarterly Result Update)

Jul 24, 2019 | Updated on Jul 24, 2019

For the quarter ended June 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 62.8% YoY). Sales on the other hand came in at Rs 43 bn (up 2.1% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (4QFY19); Net Profit Up 45.0% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 20 bn (up 45.0% YoY). Sales on the other hand came in at Rs 46 bn (down 5.6% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (3QFY19); Net Profit Up 63.2% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 63.2% YoY). Sales on the other hand came in at Rs 45 bn (up 6.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

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Sep 20, 2019 (Close)

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