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PNB vs CITY UNION BANK - Comparison Results

PNB     Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... 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

    PNB CITY UNION BANK PNB/
CITY UNION BANK
 
P/E (TTM) x -13.5 19.9 - View Chart
P/BV x 0.1 1.8 6.1% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 PNB   CITY UNION BANK
EQUITY SHARE DATA
    PNB
Mar-19
CITY UNION BANK
Mar-19
PNB/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs105207 50.8%   
Low Rs60157 38.1%   
Income per share (Unadj.) Rs113.351.3 220.8%  
Earnings per share (Unadj.) Rs-21.89.3 -234.2%  
Cash flow per share (Unadj.) Rs-53.920.4 -264.7%  
Dividends per share (Unadj.) Rs00.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs98.965.9 150.0%  
Shares outstanding (eoy) m4,604.05734.50 626.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.73.6 20.5%   
Avg P/E ratio x-3.819.6 -19.3%  
Avg P/CF ratio x3.413.4 25.5%  
Avg Price/Bookvalue ratio x0.82.8 30.2%  
Dividend payout %05.4 0.0%   
Avg Mkt Cap Rs m379,834133,752 284.0%   
No. of employees `00070.85.5 1,283.3%   
Total wages & salary Rs m70,4753,644 1,933.8%   
Avg. income/employee Rs Th7,364.46,827.1 107.9%   
Avg. wages/employee Rs Th995.3660.5 150.7%   
Avg. net profit/employee Rs Th-1,416.01,237.5 -114.4%   
INCOME DATA
Interest income Rs m521,47137,672 1,384.3%  
Other income Rs m73,6745,144 1,432.3%   
Interest expense Rs m346,55721,557 1,607.6%   
Net interest income Rs m174,91516,115 1,085.4%  
Operating expense Rs m116,8938,859 1,319.5%   
Gross profit Rs m58,0227,256 799.6%  
Gross profit margin %11.119.3 57.8%  
Provisions/contingencies Rs m211,3813,151 6,707.5%   
Profit before tax Rs m-149,0859,249 -1,612.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4,5630-   
Prior Period Items Rs m00-   
Tax Rs m-53,3842,420 -2,205.9%   
Profit after tax Rs m-100,2646,829 -1,468.3%  
Net profit margin %-19.218.1 -106.1%  
BALANCE SHEET DATA
Advances Rs m4,624,162326,733 1,415.3%   
Deposits Rs m6,818,742384,480 1,773.5%  
Credit/Deposit ratio x67.885.0 79.8%  
Yield on advances %7.79.7 78.8%   
Cost of deposits %4.75.5 86.5%   
Net Interest Margin %2.33.7 62.8%  
Net fixed assets Rs m62,4762,500 2,498.7%   
Share capital Rs m9,208735 1,253.7%   
Free reserves Rs m445,97347,673 935.5%   
Net worth Rs m455,18148,408 940.3%   
Borrowings Rs m468,2804,809 9,737.4%   
Investments Rs m2,097,23077,122 2,719.4%   
Total assets Rs m7,892,658452,589 1,743.9%  
Debt/equity ratio x16.08.0 199.1%   
Return on assets %-1.31.5 -84.2%  
Return on equity %-22.014.1 -156.2%  
Capital adequacy ratio %9.715.6 62.6%  
Net NPAs %6.61.8 362.4%  
CASH FLOW
From Operations Rs m-341,5803,969 -8,606.0%  
From Investments Rs m2,248-867 -259.3%  
From Financial Activity Rs m137,410166 82,627.8%  
Net Cashflow Rs m-201,9223,269 -6,177.8%  

Share Holding

Indian Promoters % 58.9 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 18.7 10.2 183.3%  
FIIs % 17.2 33.4 51.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 56.0 9.5%  
Shareholders   215,441 82,699 260.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   ICICI BANK  DENA BANK  YES BANK  J&K BANK  ING VYSYA BANK  

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



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CITY UNION BANK Announces Quarterly Results (1QFY21); Net Profit Down 17.0% (Quarterly Result Update)

Sep 14, 2020 | Updated on Sep 14, 2020

For the quarter ended June 2020, CITY UNION BANK has posted a net profit of Rs 2 bn (down 17.0% YoY). Sales on the other hand came in at Rs 10 bn (up 2.0% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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