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Compare Oriental Bank with City Union Bank - Equitymaster

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ORIENTAL BANK vs CITY UNION BANK - Comparison Results

ORIENTAL BANK    Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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

    ORIENTAL BANK CITY UNION BANK ORIENTAL BANK/
CITY UNION BANK
 
P/E (TTM) x -0.4 18.8 - View Chart
P/BV x 0.2 3.1 6.5% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 ORIENTAL BANK   CITY UNION BANK
EQUITY SHARE DATA
    ORIENTAL BANK
Mar-18
CITY UNION BANK
Mar-17
ORIENTAL BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs191169 113.2%   
Low Rs8493 90.3%   
Income per share (Unadj.) Rs275.052.8 520.7%  
Earnings per share (Unadj.) Rs-92.88.4 -1,109.4%  
Cash flow per share (Unadj.) Rs-194.418.0 -1,081.2%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs186.359.4 313.6%  
Shares outstanding (eoy) m632.77601.06 105.3%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.52.5 20.2%   
Avg P/E ratio x-1.515.6 -9.5%  
Avg P/CF ratio x2.29.8 22.6%  
Avg Price/Bookvalue ratio x0.72.2 33.5%  
Dividend payout %03.6 0.0%   
Avg Mkt Cap Rs m86,94378,589 110.6%   
No. of employees `00022.04.7 468.7%   
Total wages & salary Rs m17,5662,981 589.2%   
Avg. income/employee Rs Th7,916.96,768.6 117.0%   
Avg. wages/employee Rs Th799.3635.8 125.7%   
Avg. net profit/employee Rs Th-2,671.81,072.2 -249.2%   
INCOME DATA
Interest income Rs m173,98931,738 548.2%  
Other income Rs m27,8244,840 574.9%   
Interest expense Rs m128,88119,750 652.6%   
Net interest income Rs m45,10811,988 376.3%  
Operating expense Rs m35,9006,890 521.1%   
Gross profit Rs m9,2085,098 180.6%  
Gross profit margin %5.316.1 32.9%  
Provisions/contingencies Rs m97,9763,010 3,255.3%   
Profit before tax Rs m-60,9446,928 -879.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-2,2271,900 -117.2%   
Profit after tax Rs m-58,7175,028 -1,167.9%  
Net profit margin %-33.715.8 -213.0%  
BALANCE SHEET DATA
Advances Rs m1,363,679238,327 572.2%   
Deposits Rs m2,073,461301,157 688.5%  
Credit/Deposit ratio x65.879.1 83.1%  
Yield on advances %8.910.9 81.8%   
Cost of deposits %5.86.4 90.1%   
Net Interest Margin %2.13.6 57.7%  
Net fixed assets Rs m25,4962,151 1,185.4%   
Share capital Rs m6,328601 1,052.7%   
Free reserves Rs m115,67722,455 515.1%   
Net worth Rs m117,86835,702 330.1%   
Borrowings Rs m96,9415,310 1,825.6%   
Investments Rs m699,02370,315 994.1%   
Total assets Rs m2,333,440352,708 661.6%  
Debt/equity ratio x18.48.6 214.5%   
Return on assets %-2.51.4 -176.5%  
Return on equity %-49.814.1 -353.7%  
Capital adequacy ratio %10.515.8 66.3%  
Net NPAs %10.51.7 612.9%  
CASH FLOW
From Operations Rs m-36,3892,836 -1,283.1%  
From Investments Rs m-4,506-503 895.4%  
From Financial Activity Rs m3,447-44 -7,869.4%  
Net Cashflow Rs m-37,4482,289 -1,635.9%  

Share Holding

Indian Promoters % 59.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 24.0 10.2 235.3%  
FIIs % 9.9 33.4 29.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.0 56.0 12.5%  
Shareholders   114,330 82,699 138.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ORIENTAL BANK With:   ING VYSYA BANK  SBI  DCB BANK  ICICI BANK  IDBI BANK  

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



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