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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 -15.1 16.6 - View Chart
P/BV x 0.9 2.4 35.9% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 SBI   CITY UNION BANK
EQUITY SHARE DATA
    SBI
Mar-18
CITY UNION BANK
Mar-18
SBI/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs337209 161.6%   
Low Rs235145 161.8%   
Income per share (Unadj.) Rs256.651.2 501.2%  
Earnings per share (Unadj.) Rs-5.18.9 -57.3%  
Cash flow per share (Unadj.) Rs11.417.0 67.4%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs258.162.6 412.1%  
Shares outstanding (eoy) m8,924.59664.73 1,342.6%   
Bonus/Rights/Conversions OIESOS-  
Avg Price / Income ratio x1.13.5 32.3%   
Avg P/E ratio x-56.019.9 -282.0%  
Avg P/CF ratio x3.611.6 31.3%  
Avg Price/Bookvalue ratio x1.12.8 39.2%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m2,552,433117,591 2,170.6%   
No. of employees `000264.05.3 4,964.1%   
Total wages & salary Rs m354,1063,159 11,210.1%   
Avg. income/employee Rs Th8,671.86,396.7 135.6%   
Avg. wages/employee Rs Th1,341.1593.9 225.8%   
Avg. net profit/employee Rs Th-172.61,113.0 -15.5%   
INCOME DATA
Interest income Rs m2,289,70334,024 6,729.6%  
Other income Rs m775,5725,321 14,575.7%   
Interest expense Rs m1,466,03019,721 7,433.8%   
Net interest income Rs m823,67314,303 5,758.7%  
Operating expense Rs m961,5447,547 12,741.6%   
Gross profit Rs m-137,8716,757 -2,040.6%  
Gross profit margin %-6.019.9 -30.3%  
Provisions/contingencies Rs m746,8164,178 17,877.1%   
Profit before tax Rs m-109,1147,900 -1,381.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-8,0700-   
Prior Period Items Rs m4,3820-   
Tax Rs m-67,2401,980 -3,396.0%   
Profit after tax Rs m-45,5635,920 -769.6%  
Net profit margin %-2.017.4 -11.4%  
BALANCE SHEET DATA
Advances Rs m19,601,185278,528 7,037.4%   
Deposits Rs m27,221,783328,526 8,286.0%  
Credit/Deposit ratio x72.084.8 84.9%  
Yield on advances %7.410.2 72.5%   
Cost of deposits %5.05.9 85.2%   
Net Interest Margin %2.53.7 66.2%  
Net fixed assets Rs m412,2582,231 18,476.1%   
Share capital Rs m8,925665 1,342.7%   
Free reserves Rs m2,294,29540,968 5,600.3%   
Net worth Rs m2,303,22041,632 5,532.3%   
Borrowings Rs m3,690,79317,359 21,261.8%   
Investments Rs m11,837,94278,791 15,024.5%   
Total assets Rs m36,164,330399,373 9,055.3%  
Debt/equity ratio x13.48.3 161.5%   
Return on assets %-0.11.5 -8.5%  
Return on equity %-2.014.2 -13.9%  
Capital adequacy ratio %12.716.2 78.5%  
Net NPAs %5.71.7 337.1%  
CASH FLOW
From Operations Rs m-965,079-1,831 52,707.8%  
From Investments Rs m110,658-605 -18,281.5%  
From Financial Activity Rs m55,47211 508,913.8%  
Net Cashflow Rs m-779,081-2,425 32,121.7%  

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:   ICICI BANK  DENA BANK  YES BANK  AXIS BANK  BANK OF BARODA  

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



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