City Union Bank Live BSE/NSE | City Union Bank Fundamenta data | City Union Bank Balance sheet | City Union Bank Quarterly Results | City Union Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

12,826.03
31.37
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

12,828.06
0.29%
2.30

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

14.84
11.29
5.41

EBITDA CAGR (%)

10 Years
5 Years
3 Years

PAT CAGR (%)

10 Years
5 Years
3 Years

8.28
1.38
-6.99

P:E (Median)

8 Years
5 Years
3 Years

17.10
20.69
21.43

P:BV (Average)

8 Years
5 Years
3 Years

2.05
2.05
2.05

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.48
9.27
9.81

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 1,060.95 1,036.82 2.33% 1,049.36 1,029.24 1.95% 1,041.68 984.55 5.80% 1,060.87 966.62 9.75%
Interest Exp. 585.82 625.28 -6.31% 612.40 612.36 0.01% 622.18 563.95 10.33% 633.60 548.53 15.51%
Net Interest Income 475.14 411.55 15.45% 436.96 416.88 4.82% 419.50 420.60 -0.26% 427.27 418.09 2.20%
NIM 4.12 4.01 2.74% 3.98 4.11 -3.16% 3.91 4.32 -9.49% 3.96 4.41 -10.20%
Other Income 169.32 194.97 -13.16% 160.59 163.29 -1.65% 179.31 146.89 22.07% 142.37 119.83 18.81%
Total Income 1,230.28 1,231.80 -0.12% 1,209.95 1,192.53 1.46% 1,220.98 1,131.44 7.91% 1,203.24 1,086.46 10.75%
Operating Exp. 259.79 260.04 -0.10% 241.52 228.78 5.57% 263.71 229.71 14.80% 261.21 231.07 13.04%
Operating Profit 384.67 346.48 11.02% 356.04 351.40 1.32% 335.09 337.78 -0.80% 308.43 306.86 0.51%
Provision 177.00 107.95 63.96% 157.00 115.75 35.64% 450.38 90.67 396.72% 81.00 78.75 2.86%
PBT 207.67 238.53 -12.94% 199.04 235.65 -15.54% -115.29 247.11 - 227.43 228.11 -0.30%
PBTM 19.57 23.01 -14.95% 18.97 22.90 -17.16% -11.07 25.10 - 21.44 23.60 -9.15%
TAX 50.00 45.00 11.11% 45.00 50.00 -10.00% -20.00 72.00 - 35.00 50.00 -30.00%
PAT 157.67 193.53 -18.53% 154.04 185.65 -17.03% -95.29 175.11 - 192.43 178.11 8.04%
PATM 14.86% 18.67% 14.68% 18.04% -9.15% 17.79% 18.14% 18.43%
EPS 2.14 2.63 -18.63% 2.09 2.53 -17.39% -1.29 2.38 - 2.62 2.43 7.82%
Gross NPA 1,220.58 1,135.44 7.50% 1,346.09 1,076.22 25.08% 1,413.40 977.05 44.66% 1,185.43 891.92 32.91%
Gross NPA% 3.44 3.41 0.88% 3.90 3.34 16.77% 4.09 2.95 38.64% 3.50 2.91 20.27%
Net NPA 631.44 624.08 1.18% 716.35 599.96 19.40% 778.49 591.46 31.62% 649.41 527.60 23.09%
Net NPA% 1.18 1.90 -37.89% 2.11 1.89 11.64% 2.29 1.81 26.52% 1.95 1.74 12.07%
CASA 25.70 24.69 4.09% 24.61 23.44 4.99% 24.97 25.22 -0.99% 23.35 23.86 -2.14%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 1,758.86 1,675.19 1,611.49 1,430.30 1,198.77 981.04 807.37 759.39 624.01 499.75 420.03 Interest Earned 4,212.86 4,168.60 3,767.17 3,402.42 3,173.79 2,944.21 2,698.86 2,545.93 2,188.75 1,696.77 1,218.41 Interest Expended 2,454.00 2,493.41 2,155.68 1,972.12 1,975.02 1,963.17 1,891.49 1,786.54 1,564.74 1,197.02 798.38 Int. income Growth 5.50% 3.95% 12.67% 19.31% 22.19% 21.51% 6.32% 21.70% 24.86% 18.98% Other Income 651.59 679.95 514.39 532.10 483.95 409.98 404.10 279.86 273.64 207.13 157.40 Total Income 4,864.45 2,355.14 2,125.88 1,962.40 1,682.72 1,391.02 1,211.47 1,039.25 897.65 706.88 577.43 Total Expenditure 1,026.23 1,689.83 1,139.52 1,119.94 936.94 735.89 654.61 577.05 469.95 359.09 278.55 Employee Cost - 420.65 364.44 315.88 298.14 213.17 210.27 185.62 150.87 122.31 101.62 % Of Sales - 10.09% 9.67% 9.28% 9.39% 7.24% 7.79% 7.29% 6.89% 7.21% 8.34% Opt. & Establishment Exp. - 672.08 582.94 491.23 443.85 396.99 355.28 310.37 248.01 171.08 131.61 % Of Sales - 16.12% 15.47% 14.44% 13.98% 13.48% 13.16% 12.19% 11.33% 10.08% 10.80% Provisions - 755.08 315.14 417.75 300.97 230.59 182.52 156.50 120.43 92.80 78.98 % Of Sales - 18.11% 8.37% 12.28% 9.48% 7.83% 6.76% 6.15% 5.50% 5.47% 6.48% EBITDA 1,384.22 665.31 986.36 842.46 745.78 655.13 556.86 462.20 427.70 347.79 298.88 EBITDA Margin 75.64% 39.72% 61.21% 58.90% 62.21% 66.78% 68.97% 60.86% 68.54% 69.59% 71.16% Depreciation 0.00 78.99 61.50 52.46 53.01 52.43 46.73 37.72 24.68 13.55 16.83 PBT 518.85 586.32 924.85 790.00 692.77 602.69 510.13 424.47 403.02 334.25 282.05 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 110.00 110.00 242.00 198.00 190.00 158.00 126.00 77.40 81.00 54.00 67.00 Tax Rate 21.20% 18.76% 26.17% 25.06% 27.43% 26.22% 24.70% 18.23% 20.10% 16.16% 23.75% PAT 408.85 476.32 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 PAT before Minority Interest 408.85 476.32 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 16.96% 20.22% 32.12% 30.17% 29.88% 31.97% 31.71% 33.40% 35.87% 39.65% 37.24% PAT Growth -44.18% -30.25% 15.35% 17.75% 13.06% 15.77% 10.68% 7.78% 14.90% 30.32% Unadjusted EPS 5.54 6.45 9.25 8.02 6.81 6.02 5.20 4.70 4.36 3.80 2.91

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 5,296.07 4,840.76 4,163.24 3,570.20 3,052.00 2,695.52 2,024.93 1,640.67 1,243.10 1,006.62 Share Capital 73.73 73.45 66.47 60.11 59.82 59.66 54.27 47.44 40.82 40.50 Total Reserves 5,222.34 4,767.31 4,096.76 3,510.09 2,992.18 2,635.87 1,970.66 1,593.22 1,202.28 966.12 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 40,832.49 38,447.95 32,852.62 30,115.74 27,158.13 24,074.96 22,016.89 20,304.76 16,340.76 12,914.29 Borrowings 2,032.40 480.91 1,735.88 531.00 664.55 168.82 304.98 476.74 348.70 186.15 Other Liabilities & Provisions 1,572.57 1,489.27 1,185.51 1,053.84 929.29 931.83 647.02 554.92 418.10 484.46 Total Liabilities 49,733.53 45,258.89 39,937.25 35,270.78 31,803.97 27,871.13 24,993.82 22,977.09 18,350.66 14,591.52 Net Block 245.16 250.03 223.13 215.08 217.56 210.41 182.95 141.28 97.73 68.53 Gross Block 759.25 689.84 602.68 542.98 492.90 433.64 359.46 280.07 211.84 169.08 Accumulated Depreciation 514.09 439.81 379.55 327.90 275.35 223.23 176.50 138.79 114.11 100.55 Total Non-Current Assets 48,011.05 43,598.85 38,591.48 33,958.21 30,751.00 26,583.35 24,412.96 22,424.63 17,957.49 14,226.54 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 2,030.37 1,993.12 1,861.80 1,484.19 1,412.57 1,233.51 1,040.11 1,016.34 814.67 1,052.24 Balance with banks and money at call 2,691.28 970.16 774.65 1,394.79 1,237.50 1,303.26 1,139.50 754.15 321.44 234.08 Investments 9,116.79 7,712.20 7,879.11 7,031.45 6,826.45 5,870.67 5,953.56 5,266.80 4,586.19 3,616.23 Advances 33,927.45 32,673.34 27,852.79 23,832.70 21,056.92 17,965.50 16,096.84 15,246.06 12,137.46 9,255.46 Other Assets 1,722.49 1,660.03 1,345.78 1,312.57 1,052.97 1,287.77 580.86 552.46 393.16 364.98 Total Assets 49,733.54 45,258.88 39,937.26 35,270.78 31,803.97 27,871.12 24,993.82 22,977.09 18,350.65 14,591.52 Contingent Liabilities 8,502.71 4,835.45 5,716.00 7,176.35 6,504.40 7,536.52 5,113.13 6,043.41 9,701.70 4,162.22 Bills for collection 335.79 460.81 319.09 256.97 309.85 266.46 214.28 165.80 368.85 289.68 Adjusted Book Value 71.83 65.91 56.94 49.09 46.38 45.18 37.31 34.58 26.35 21.51

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 1,836.23 418.60 -183.10 283.61 248.46 130.65 412.40 618.04 -71.38 236.72 PBT 476.32 682.85 592.00 502.77 444.69 395.02 347.07 322.02 280.25 215.05 Adjustment 699.70 528.95 500.05 338.30 315.52 215.20 215.73 190.41 137.21 145.42 Adjustments for Liabilities & Assets 623.84 -601.62 -1,158.15 -458.63 -543.05 -332.98 -227.38 230.94 -562.38 -121.08 Refund/(Payment) of direct taxes 36.37 -191.58 -117.00 -98.83 31.29 -146.60 76.97 -125.33 73.53 -2.67 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -59.59 -86.69 -60.53 -50.32 -59.99 -64.33 -79.00 -67.96 -42.61 -22.09 Net Fixed Assets -69.41 -87.16 -59.70 -50.08 -59.26 -74.18 -79.39 -68.23 -42.76 -22.52 Other Investment Activity -845.94 -750.37 -653.00 -602.97 -557.23 -512.64 -427.42 -322.68 -233.93 -203.89 Cash from Financing Activity -18.28 -5.07 1.09 -4.38 -75.17 290.83 75.73 84.29 -36.23 -28.51 Closing Cash & Equivalent 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 1,770.49 1,136.11 1,286.32 Net Cash Inflow / Outflow 1,758.36 326.84 -242.53 228.90 113.30 357.15 409.13 634.38 -150.21 186.12 Opening Cash & Equivalents 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 1,770.49 1,136.11 1,286.32 1,100.20

Financial Ratios

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 71.83 65.91 56.94 49.09 42.17 37.34 30.83 28.58 21.78 17.77 NIM 3.51 3.72 3.73 3.55 3.21 3.06 3.13 2.80 2.80 2.97 Yield on Advances 12.29 11.53 12.22 13.32 13.98 15.02 15.82 14.36 13.98 13.16 Yield on Investments 8.44 7.60 7.83 9.19 8.59 9.42 7.74 7.39 6.79 6.96 Cost of Liabilities 5.82 5.54 5.70 6.44 7.06 7.80 8.00 7.53 7.17 6.09 Interest Spread 6.47 5.99 6.51 6.87 6.93 7.22 7.81 6.83 6.81 7.07 ROCE 10.16% 17.34% 16.70% 18.57% 19.54% 21.12% 21.45% 24.98% 26.20% 29.17% Cost Income Ratio 43.04 41.67 38.46 40.94 40.10 42.83 44.10 41.69 39.59 37.48 Core Cost Income Ratio 46.17 42.32 40.39 43.75 41.45 45.07 45.09 42.49 40.03 37.91 Operating Costs to Assets 2.04 1.96 1.89 1.95 1.75 1.86 1.83 1.63 1.52 1.48 Loans/Deposits 0.05 0.01 0.05 0.02 0.02 0.01 0.01 0.02 0.02 0.01 Cash/Deposits 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.05 0.08 Investment/Deposits 0.22 0.20 0.24 0.23 0.25 0.24 0.27 0.26 0.28 0.28 Inc Loan/Deposits 4.98% 1.25% 5.28% 1.76% 2.45% 0.70% 1.39% 2.35% 2.13% 1.44% Credit Deposits 83.09% 84.98% 84.78% 79.14% 77.53% 74.62% 73.11% 75.09% 74.28% 71.67% Interest Expended / Interest earned 59.81% 57.22% 57.96% 62.23% 66.68% 70.08% 70.17% 71.49% 70.55% 65.53% Interest income / Total funds 8.38% 8.32% 8.52% 9.00% 9.26% 9.68% 10.19% 9.53% 9.25% 8.35% Interest Expended / Total funds 5.01% 4.76% 4.94% 5.60% 6.17% 6.79% 7.15% 6.81% 6.52% 5.47% CASA 24.97% 25.22% 24.22% 23.37% 20.37% 19.23% 17.79% 16.77% 18.19% 19.58%

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update