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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 17.4 - View Chart
P/BV x 0.1 3.0 4.6% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 INDIAN OVERSEAS BANK   CITY UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-18
CITY UNION BANK
Mar-17
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs32169 19.1%   
Low Rs1793 18.5%   
Income per share (Unadj.) Rs36.652.8 69.4%  
Earnings per share (Unadj.) Rs-12.98.4 -154.0%  
Cash flow per share (Unadj.) Rs-36.118.0 -200.6%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs27.159.4 45.7%  
Shares outstanding (eoy) m4,890.77601.06 813.7%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.72.5 27.2%   
Avg P/E ratio x-1.915.6 -12.3%  
Avg P/CF ratio x1.59.8 14.9%  
Avg Price/Bookvalue ratio x0.92.2 41.3%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m120,80278,589 153.7%   
No. of employees `00027.94.7 595.8%   
Total wages & salary Rs m29,9422,981 1,004.3%   
Avg. income/employee Rs Th6,412.96,768.6 94.7%   
Avg. wages/employee Rs Th1,071.8635.8 168.6%   
Avg. net profit/employee Rs Th-2,255.01,072.2 -210.3%   
INCOME DATA
Interest income Rs m179,15231,738 564.5%  
Other income Rs m37,4644,840 774.1%   
Interest expense Rs m124,47619,750 630.3%   
Net interest income Rs m54,67611,988 456.1%  
Operating expense Rs m55,8496,890 810.6%   
Gross profit Rs m-1,1745,098 -23.0%  
Gross profit margin %-0.716.1 -4.1%  
Provisions/contingencies Rs m145,9303,010 4,848.7%   
Profit before tax Rs m-86,3176,928 -1,246.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-23,3221,900 -1,227.5%   
Profit after tax Rs m-62,9955,028 -1,253.0%  
Net profit margin %-35.215.8 -222.0%  
BALANCE SHEET DATA
Advances Rs m1,324,888238,327 555.9%   
Deposits Rs m2,168,318301,157 720.0%  
Credit/Deposit ratio x61.179.1 77.2%  
Yield on advances %9.010.9 83.1%   
Cost of deposits %5.36.4 82.2%   
Net Interest Margin %2.43.6 67.6%  
Net fixed assets Rs m28,9342,151 1,345.3%   
Share capital Rs m48,908601 8,136.4%   
Free reserves Rs m69,91222,455 311.3%   
Net worth Rs m132,74035,702 371.8%   
Borrowings Rs m92,2815,310 1,737.9%   
Investments Rs m686,45970,315 976.3%   
Total assets Rs m2,479,681352,708 703.0%  
Debt/equity ratio x17.08.6 198.4%   
Return on assets %-2.51.4 -178.2%  
Return on equity %-47.514.1 -337.0%  
Capital adequacy ratio %9.315.8 58.4%  
Net NPAs %15.31.7 896.5%  
CASH FLOW
From Operations Rs m-17,9332,836 -632.3%  
From Investments Rs m-1,151-503 228.7%  
From Financial Activity Rs m52,303-44 -119,413.0%  
Net Cashflow Rs m33,2202,289 1,451.2%  

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:   SOUTH IND.BANK  INDUSIND BANK  HDFC BANK  PNB  DHANLAXMI BANK  

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



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