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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 21.4 19.1 112.2% View Chart
P/BV x 1.2 3.0 39.1% View Chart
Dividend Yield % 0.9 0.8 121.9%  

Financials

 SBI   CITY UNION BANK
EQUITY SHARE DATA
    SBI
Mar-16
CITY UNION BANK
Mar-16
SBI/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs30598 311.2%   
Low Rs14877 192.8%   
Income per share (Unadj.) Rs285.849.2 580.6%  
Earnings per share (Unadj.) Rs15.77.4 211.8%  
Cash flow per share (Unadj.) Rs68.815.5 442.9%  
Dividends per share (Unadj.) Rs2.601.20 216.7%  
Avg Dividend yield %1.11.4 83.6%  
Book value per share (Unadj.) Rs232.651.0 455.9%  
Shares outstanding (eoy) m7,763.60598.19 1,297.8%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.81.8 44.6%   
Avg P/E ratio x14.411.8 122.4%  
Avg P/CF ratio x3.57.7 45.3%  
Avg Price/Bookvalue ratio x1.01.7 56.8%  
Dividend payout %16.516.1 102.3%   
Avg Mkt Cap Rs m1,759,62052,312 3,363.7%   
No. of employees `000207.74.5 4,599.0%   
Total wages & salary Rs m325,2562,132 15,258.1%   
Avg. income/employee Rs Th10,679.56,518.1 163.8%   
Avg. wages/employee Rs Th1,565.7471.9 331.8%   
Avg. net profit/employee Rs Th588.5984.5 59.8%   
INCOME DATA
Interest income Rs m2,218,54829,442 7,535.3%  
Other income Rs m510,1624,100 12,443.6%   
Interest expense Rs m1,430,47419,632 7,286.5%   
Net interest income Rs m788,0759,810 8,033.1%  
Operating expense Rs m737,1715,577 13,217.3%   
Gross profit Rs m50,9044,233 1,202.5%  
Gross profit margin %2.314.4 16.0%  
Provisions/contingencies Rs m379,2982,306 16,449.0%   
Profit before tax Rs m181,7686,027 3,016.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-7,9450-   
Prior Period Items Rs m2,7580-   
Tax Rs m54,3351,580 3,438.9%   
Profit after tax Rs m122,2464,447 2,749.0%  
Net profit margin %5.515.1 36.5%  
BALANCE SHEET DATA
Advances Rs m18,702,609210,569 8,881.9%   
Deposits Rs m22,538,576271,581 8,299.0%  
Credit/Deposit ratio x83.077.5 107.0%  
Yield on advances %8.411.2 74.7%   
Cost of deposits %5.97.1 83.0%   
Net Interest Margin %2.83.3 86.6%  
Net fixed assets Rs m152,5572,176 7,012.2%   
Share capital Rs m7,763598 1,297.7%   
Free reserves Rs m1,063,25119,301 5,508.7%   
Net worth Rs m1,805,92430,520 5,917.2%   
Borrowings Rs m2,582,1441,126 229,421.9%   
Investments Rs m7,051,89163,245 11,150.2%   
Total assets Rs m29,708,976312,520 9,506.3%  
Debt/equity ratio x13.98.9 155.7%   
Return on assets %0.41.4 28.9%  
Return on equity %6.814.6 46.5%  
Capital adequacy ratio %13.915.6 89.5%  
Net NPAs %3.81.5 249.0%  
CASH FLOW
From Operations Rs m140,7671,985 7,093.0%  
From Investments Rs m-36,686-600 6,115.3%  
From Financial Activity Rs m43,485-752 -5,784.8%  
Net Cashflow Rs m147,566633 23,312.1%  

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:   YES BANK  KARUR VYSYA BANK  PNB  IDBI BANK  DCB BANK  

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



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