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Compare SBI with City Union Bank - Equitymaster
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SBI vs CITY UNION BANK - Comparison Results

SBI    Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... 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

    SBI CITY UNION BANK SBI/
CITY UNION BANK
 
P/E (TTM) x 22.6 21.5 105.0% View Chart
P/BV x 1.1 2.9 37.7% View Chart
Dividend Yield % 0.8 0.2 492.0%  

Financials

 SBI   CITY UNION BANK
EQUITY SHARE DATA
    SBI
Mar-17
CITY UNION BANK
Mar-17
SBI/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs294169 174.7%   
Low Rs16793 179.1%   
Income per share (Unadj.) Rs289.052.8 547.3%  
Earnings per share (Unadj.) Rs0.38.4 3.6%  
Cash flow per share (Unadj.) Rs34.618.0 192.3%  
Dividends per share (Unadj.) Rs2.600.30 866.7%  
Avg Dividend yield %1.10.2 491.7%  
Book value per share (Unadj.) Rs272.459.4 458.5%  
Shares outstanding (eoy) m7,974.33601.06 1,326.7%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x0.82.5 32.2%   
Avg P/E ratio x761.815.6 4,873.6%  
Avg P/CF ratio x3.09.8 30.5%  
Avg Price/Bookvalue ratio x0.82.2 38.4%  
Dividend payout %859.53.6 23,964.4%   
Avg Mkt Cap Rs m1,837,68478,589 2,338.4%   
No. of employees `000209.64.7 4,469.3%   
Total wages & salary Rs m356,9122,981 11,971.3%   
Avg. income/employee Rs Th10,996.46,768.6 162.5%   
Avg. wages/employee Rs Th1,703.1635.8 267.9%   
Avg. net profit/employee Rs Th11.51,072.2 1.1%   
INCOME DATA
Interest income Rs m2,304,47531,738 7,261.0%  
Other income Rs m681,9304,840 14,090.9%   
Interest expense Rs m1,491,14719,750 7,550.0%   
Net interest income Rs m813,32811,988 6,784.7%  
Operating expense Rs m872,9016,890 12,669.5%   
Gross profit Rs m-59,5735,098 -1,168.6%  
Gross profit margin %-2.616.1 -16.1%  
Provisions/contingencies Rs m612,9093,010 20,364.4%   
Profit before tax Rs m9,4486,928 136.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3,3860-   
Prior Period Items Rs m2,9330-   
Tax Rs m13,3551,900 702.9%   
Profit after tax Rs m2,4125,028 48.0%  
Net profit margin %0.115.8 0.7%  
BALANCE SHEET DATA
Advances Rs m18,968,868238,327 7,959.2%   
Deposits Rs m25,998,107301,157 8,632.7%  
Credit/Deposit ratio x73.079.1 92.2%  
Yield on advances %8.310.9 76.1%   
Cost of deposits %5.36.4 82.8%   
Net Interest Margin %2.53.6 71.6%  
Net fixed assets Rs m509,4072,151 23,684.6%   
Share capital Rs m7,974601 1,326.5%   
Free reserves Rs m2,163,94822,455 9,636.7%   
Net worth Rs m2,171,92235,702 6,083.5%   
Borrowings Rs m3,363,6575,310 63,345.7%   
Investments Rs m10,272,80970,315 14,609.8%   
Total assets Rs m34,451,216352,708 9,767.6%  
Debt/equity ratio x13.58.6 157.5%   
Return on assets %01.4 0.5%  
Return on equity %0.114.1 0.8%  
Capital adequacy ratio %13.615.8 85.7%  
Net NPAs %3.71.7 217.0%  
CASH FLOW
From Operations Rs m774,0602,836 27,293.1%  
From Investments Rs m-28,321-503 5,628.2%  
From Financial Activity Rs m-41,965-44 95,810.0%  
Net Cashflow Rs m703,7742,289 30,744.6%  

Share Holding

Indian Promoters % 58.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.9 10.2 204.9%  
FIIs % 9.7 33.4 29.0%  
ADR/GDR % 2.1 0.0 -  
Free float % 8.7 56.0 15.5%  
Shareholders   855,889 82,699 1,034.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   KARNATAKA BANK  ALLAHABAD BANK  SOUTH IND.BANK  UNITED BANK OF INDIA  UNION BANK  

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



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