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Compare Karnataka Bank with City Union Bank - Equitymaster
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KARNATAKA 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

    KARNATAKA BANK CITY UNION BANK KARNATAKA BANK/
CITY UNION BANK
 
P/E (TTM) x 7.2 19.5 36.7% View Chart
P/BV x 0.9 3.1 29.0% View Chart
Dividend Yield % 3.5 0.8 457.6%  

Financials

 KARNATAKA BANK   CITY UNION BANK
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-16
CITY UNION BANK
Mar-16
KARNATAKA BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs15598 158.2%   
Low Rs8677 111.7%   
Income per share (Unadj.) Rs264.949.2 538.2%  
Earnings per share (Unadj.) Rs22.17.4 296.7%  
Cash flow per share (Unadj.) Rs63.315.5 407.3%  
Dividends per share (Unadj.) Rs5.001.20 416.7%  
Avg Dividend yield %4.21.4 302.5%  
Book value per share (Unadj.) Rs195.851.0 383.8%  
Shares outstanding (eoy) m188.46598.19 31.5%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.51.8 25.6%   
Avg P/E ratio x5.511.8 46.4%  
Avg P/CF ratio x3.17.7 39.5%  
Avg Price/Bookvalue ratio x0.61.7 35.9%  
Dividend payout %22.716.1 140.4%   
Avg Mkt Cap Rs m22,70052,312 43.4%   
No. of employees `0007.84.5 172.5%   
Total wages & salary Rs m4,4302,132 207.8%   
Avg. income/employee Rs Th6,406.86,518.1 98.3%   
Avg. wages/employee Rs Th568.5471.9 120.5%   
Avg. net profit/employee Rs Th533.5984.5 54.2%   
INCOME DATA
Interest income Rs m49,92229,442 169.6%  
Other income Rs m5,4294,100 132.4%   
Interest expense Rs m36,89319,632 187.9%   
Net interest income Rs m13,0299,810 132.8%  
Operating expense Rs m9,9125,577 177.7%   
Gross profit Rs m3,1174,233 73.6%  
Gross profit margin %6.214.4 43.4%  
Provisions/contingencies Rs m3,2652,306 141.6%   
Profit before tax Rs m5,2846,027 87.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,1271,580 71.3%   
Profit after tax Rs m4,1574,447 93.5%  
Net profit margin %8.315.1 55.1%  
BALANCE SHEET DATA
Advances Rs m339,024210,569 161.0%   
Deposits Rs m504,882271,581 185.9%  
Credit/Deposit ratio x67.177.5 86.6%  
Yield on advances %10.911.2 97.1%   
Cost of deposits %7.17.1 100.4%   
Net Interest Margin %2.43.3 74.8%  
Net fixed assets Rs m3,0662,176 140.9%   
Share capital Rs m1,885598 315.1%   
Free reserves Rs m12,67219,301 65.7%   
Net worth Rs m36,90630,520 120.9%   
Borrowings Rs m10,5151,126 934.3%   
Investments Rs m162,56763,245 257.0%   
Total assets Rs m565,003312,520 180.8%  
Debt/equity ratio x14.08.9 156.3%   
Return on assets %0.71.4 51.7%  
Return on equity %11.314.6 77.3%  
Capital adequacy ratio %12.015.6 77.2%  
Net NPAs %2.41.5 153.6%  
CASH FLOW
From Operations Rs m6,3591,985 320.4%  
From Investments Rs m-579-600 96.5%  
From Financial Activity Rs m-1,473-752 195.9%  
Net Cashflow Rs m4,308633 680.5%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 21.1 10.2 206.9%  
FIIs % 10.0 33.4 29.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 68.9 56.0 123.0%  
Shareholders   123,252 82,699 149.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARNATAKA BANK With:   CORPORATION BANK  BANK OF BARODA  FEDERAL BANK  SOUTH IND.BANK  BANK OF INDIA  

Compare KARNATAKA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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