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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 16.7 - View Chart
P/BV x 0.1 2.6 5.4% 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-18
INDIAN OVERSEAS BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs32209 15.4%   
Low Rs17145 11.9%   
Income per share (Unadj.) Rs36.651.2 71.6%  
Earnings per share (Unadj.) Rs-12.98.9 -144.6%  
Cash flow per share (Unadj.) Rs-36.117.0 -212.8%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs27.162.6 43.3%  
Shares outstanding (eoy) m4,890.77664.73 735.8%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.73.5 19.5%   
Avg P/E ratio x-1.919.9 -9.7%  
Avg P/CF ratio x1.511.6 12.5%  
Avg Price/Bookvalue ratio x0.92.8 32.2%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m120,802117,591 102.7%   
No. of employees `00027.95.3 525.2%   
Total wages & salary Rs m29,9423,159 947.9%   
Avg. income/employee Rs Th6,412.96,396.7 100.3%   
Avg. wages/employee Rs Th1,071.8593.9 180.5%   
Avg. net profit/employee Rs Th-2,255.01,113.0 -202.6%   
INCOME DATA
Interest income Rs m179,15234,024 526.5%  
Other income Rs m37,4645,321 704.1%   
Interest expense Rs m124,47619,721 631.2%   
Net interest income Rs m54,67614,303 382.3%  
Operating expense Rs m55,8497,547 740.1%   
Gross profit Rs m-1,1746,757 -17.4%  
Gross profit margin %-0.719.9 -3.3%  
Provisions/contingencies Rs m145,9304,178 3,493.2%   
Profit before tax Rs m-86,3177,900 -1,092.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-23,3221,980 -1,177.9%   
Profit after tax Rs m-62,9955,920 -1,064.1%  
Net profit margin %-35.217.4 -202.1%  
BALANCE SHEET DATA
Advances Rs m1,324,888278,528 475.7%   
Deposits Rs m2,168,318328,526 660.0%  
Credit/Deposit ratio x61.184.8 72.1%  
Yield on advances %9.010.2 88.5%   
Cost of deposits %5.35.9 90.4%   
Net Interest Margin %2.43.7 64.4%  
Net fixed assets Rs m28,9342,231 1,296.7%   
Share capital Rs m48,908665 7,357.9%   
Free reserves Rs m69,91240,968 170.7%   
Net worth Rs m132,74041,632 318.8%   
Borrowings Rs m92,28117,359 531.6%   
Investments Rs m686,45978,791 871.2%   
Total assets Rs m2,479,681399,373 620.9%  
Debt/equity ratio x17.08.3 205.0%   
Return on assets %-2.51.5 -171.4%  
Return on equity %-47.514.2 -333.7%  
Capital adequacy ratio %9.316.2 57.0%  
Net NPAs %15.31.7 901.8%  
CASH FLOW
From Operations Rs m-17,933-1,831 979.4%  
From Investments Rs m-1,151-605 190.1%  
From Financial Activity Rs m52,30311 479,843.1%  
Net Cashflow Rs m33,220-2,425 -1,369.7%  

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:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  AXIS BANK  BANK OF INDIA  

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



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