City Union Bank, 532210, CUB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

11,858.16
12.11
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,243.89
0.62%
1.46

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

9.76
-2.21
146.30

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.45
6.54
16.51

PAT CAGR (%)

10 Years
5 Years
3 Years

1.75
1.62

P:E (Median)

8 Years
5 Years
3 Years

19.16
16.76
13.94

P:BV (Average)

8 Years
5 Years
3 Years

1.75
1.75
1.62

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.49
7.95
7.11

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 1,326.24 1,205.64 10.00% 1,304.05 1,181.19 10.40% 1,266.17 1,099.44 15.16% 1,228.07 1,049.92 16.97%
Interest Exp. 810.31 649.91 24.68% 765.62 613.29 24.84% 743.62 574.53 29.43% 713.81 549.25 29.96%
Net Interest Income 515.93 555.73 -7.16% 538.42 567.90 -5.19% 522.54 524.91 -0.45% 514.25 500.67 2.71%
NIM 3.63 3.88 -6.44% 3.70 4.02 -7.96% 3.67 3.95 -7.09% 3.65 3.98 -8.29%
Other Income 192.88 224.33 -14.02% 182.07 173.47 4.96% 191.48 217.54 -11.98% 195.02 202.95 -3.91%
Total Income 1,519.11 1,429.98 6.23% 1,486.11 1,354.65 9.70% 1,457.65 1,316.98 10.68% 1,423.09 1,252.87 13.59%
Operating Exp. 344.77 282.72 21.95% 333.88 284.91 17.19% 299.76 295.31 1.51% 292.23 263.77 10.79%
Operating Profit 364.03 497.34 -26.80% 386.61 456.45 -15.30% 414.27 447.14 -7.35% 417.04 439.85 -5.19%
Provision 46.00 224.50 -79.51% 56.00 105.00 -46.67% 152.00 152.00 0.00% 159.00 170.90 -6.96%
PBT 318.03 272.84 16.56% 330.61 351.45 -5.93% 262.27 295.14 -11.14% 258.04 268.96 -4.06%
PBTM 23.98 22.63 5.97% 25.35 29.75 -14.79% 20.71 26.84 -22.84% 21.01 25.62 -17.99%
TAX 65.00 55.00 18.18% 50.00 75.00 -33.33% 35.00 70.00 -50.00% 40.00 60.00 -33.33%
PAT 253.03 217.84 16.15% 280.61 276.45 1.50% 227.27 225.14 0.95% 218.04 208.96 4.35%
PATM 19.08% 18.07% 21.52% 23.40% 17.95% 20.48% 17.75% 19.90%
EPS 3.42 2.94 16.33% 3.79 3.74 1.34% 3.07 3.04 0.99% 2.94 2.83 3.89%
Gross NPA 1,968.11 1,988.67 -1.03% 2,034.63 1,861.82 9.28% 2,081.07 1,903.51 9.33% 1,920.16 1,933.18 -0.67%
Gross NPA% 4.47 4.62 -3.25% 4.66 4.36 6.88% 4.91 4.65 5.59% 4.37 4.70 -7.02%
Net NPA 940.90 1,124.47 -16.33% 998.73 1,128.70 -11.52% 1,038.59 1,161.24 -10.56% 1,017.64 1,191.10 -14.56%
Net NPA% 2.19 2.67 -17.98% 2.34 2.69 -13.01% 2.51 2.89 -13.15% 2.36 2.95 -20.00%
CASA 29.12 29.21 -0.31% 29.56 31.30 -5.56% 30.77 31.55 -2.47% 29.88 32.56 -8.23%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 2,091.17 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 981.04 807.37 759.39 Interest Earned 5,124.53 4,714.34 4,104.78 4,134.68 4,168.60 3,767.17 3,402.42 3,173.79 2,944.21 2,698.86 2,545.93 Interest Expended 3,033.36 2,551.54 2,188.29 2,305.02 2,493.41 2,155.68 1,972.12 1,975.02 1,963.17 1,891.49 1,786.54 Int. income Growth -2.70% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% 22.19% 21.51% 6.32% Other Income 761.45 810.36 759.08 688.77 679.95 514.39 532.10 483.95 409.98 404.10 279.86 Total Income 5,885.96 2,973.16 2,675.57 2,518.43 2,355.14 2,125.88 1,962.40 1,682.72 1,391.02 1,211.47 1,039.25 Total Expenditure 1,270.64 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 735.89 654.61 577.05 Employee Cost - 530.37 503.60 463.72 420.65 364.44 315.88 298.14 213.17 210.27 185.62 % Of Sales - 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% 7.24% 7.79% 7.29% Opt. & Establishment Exp. - 697.66 661.68 674.34 672.08 582.94 491.23 443.85 396.99 355.28 310.37 % Of Sales - 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% 13.48% 13.16% 12.19% Provisions - 640.50 610.15 775.02 755.08 315.14 417.75 300.97 230.59 182.52 156.50 % Of Sales - 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% 7.83% 6.76% 6.15% EBITDA 1,581.98 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 655.13 556.86 462.20 EBITDA Margin 75.20% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% 66.78% 68.97% 60.86% Depreciation 0.00 72.85 85.02 87.47 78.99 61.50 52.46 53.01 52.43 46.73 37.72 PBT 1,168.95 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 602.69 510.13 424.47 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 190.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 158.00 126.00 77.40 Tax Rate 16.25% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% 26.22% 24.70% 18.23% PAT 978.95 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 347.07 PAT before Minority Interest 978.95 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 347.07 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 34.32% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% 31.97% 31.71% 33.40% PAT Growth 5.45% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% 13.06% 15.77% 10.68% EPS 13.22 12.66 10.26 8.00 6.43 9.22 7.99 6.79 6.00 5.19 4.69

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 7,457.21 6,585.71 5,842.48 5,296.07 4,840.76 4,163.24 3,570.20 3,052.00 2,695.52 2,024.93 Share Capital 74.04 73.96 73.88 73.73 73.45 66.47 60.11 59.82 59.66 54.27 Total Reserves 7,383.17 6,511.75 5,768.59 5,222.34 4,767.31 4,096.76 3,510.09 2,992.18 2,635.87 1,970.66 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 52,397.86 47,689.67 44,537.36 40,832.49 38,447.95 32,852.62 30,115.74 27,158.13 24,074.96 22,016.89 Borrowings 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 664.55 168.82 304.98 Other Liabilities & Provisions 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 929.29 931.83 647.02 Total Liabilities 66,594.56 61,530.92 53,311.69 49,733.53 45,258.89 39,937.25 35,270.78 31,803.97 27,871.13 24,993.82 Net Block 239.33 214.65 232.69 245.16 250.03 223.13 215.08 217.56 210.41 182.95 Gross Block 938.90 860.43 797.45 759.25 689.84 602.68 542.98 492.90 433.64 359.46 Accumulated Depreciation 699.58 645.78 564.76 514.09 439.81 379.55 327.90 275.35 223.23 176.50 Total Non-Current Assets 64,274.59 59,481.27 51,441.52 48,011.05 43,598.85 38,591.48 33,958.21 30,751.00 26,583.35 24,412.96 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 3,302.36 2,965.10 2,792.71 2,030.37 1,993.12 1,861.80 1,484.19 1,412.57 1,233.51 1,040.11 Balance with banks and money at call 3,346.92 3,721.83 2,822.35 2,691.28 970.16 774.65 1,394.79 1,237.50 1,303.26 1,139.50 Investments 14,332.63 12,221.22 9,435.94 9,116.79 7,712.20 7,879.11 7,031.45 6,826.45 5,870.67 5,953.56 Advances 43,053.35 40,358.47 36,157.83 33,927.45 32,673.34 27,852.79 23,832.70 21,056.92 17,965.50 16,096.84 Other Assets 2,319.99 2,049.64 1,870.16 1,722.49 1,660.03 1,345.78 1,312.57 1,052.97 1,287.77 580.86 Total Assets 66,594.58 61,530.91 53,311.68 49,733.54 45,258.88 39,937.26 35,270.78 31,803.97 27,871.12 24,993.82 Contingent Liabilities 10,263.66 9,295.73 8,191.54 8,502.71 4,835.45 5,716.00 7,176.35 6,504.40 7,536.52 5,113.13 Bills for collection 401.08 409.02 372.62 335.79 460.81 319.09 256.97 309.85 266.46 214.28 Adjusted Book Value 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34 30.83

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 100.40 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 248.46 130.65 412.40 PBT 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 395.02 347.07 Adjustment 758.49 663.18 652.93 699.70 528.95 500.05 338.30 315.52 215.20 215.73 Adjustments for Liabilities & Assets -1,402.90 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 -543.05 -332.98 -227.38 Refund/(Payment) of direct taxes -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 31.29 -146.60 76.97 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 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 -59.99 -64.33 -79.00 Net Fixed Assets -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 -59.26 -74.18 -79.39 Other Investment Activity -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 -557.23 -512.64 -427.42 Cash from Financing Activity -66.17 -30.79 9.57 -18.28 -5.07 1.09 -4.38 -75.17 290.83 75.73 Closing Cash & Equivalent 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 Net Cash Inflow / Outflow -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 113.30 357.15 409.13 Opening Cash & Equivalents 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62 1,770.49

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34 30.83 NIM 3.38 3.23 3.57 3.51 3.72 3.73 3.55 3.21 3.06 3.13 Yield on Advances 10.95 10.17 11.44 12.29 11.53 12.22 13.32 13.98 15.02 15.82 Yield on Investments 5.88 5.67 8.65 8.44 7.60 7.83 9.19 8.59 9.42 7.74 Cost of Liabilities 4.47 4.13 5.02 5.82 5.54 5.70 6.44 7.06 7.80 8.00 Interest Spread 6.48 6.04 6.41 6.47 5.99 6.51 6.87 6.93 7.22 7.81 ROCE 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% 19.54% 21.12% 21.45% Cost Income Ratio 38.85 40.37 41.72 43.04 41.67 38.46 40.94 40.10 42.83 44.10 Core Cost Income Ratio 38.49 41.16 45.66 46.17 42.32 40.39 43.75 41.45 45.07 45.09 Operating Costs to Assets 1.73 1.76 1.97 2.04 1.96 1.89 1.95 1.75 1.86 1.83 Loans/Deposits 0.09 0.11 0.03 0.05 0.01 0.05 0.02 0.02 0.01 0.01 Cash/Deposits 0.06 0.06 0.06 0.05 0.05 0.06 0.05 0.05 0.05 0.05 Investment/Deposits 0.27 0.26 0.21 0.22 0.20 0.24 0.23 0.25 0.24 0.27 Inc Loan/Deposits 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% 2.45% 0.70% 1.39% Credit Deposits 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% 77.53% 74.62% 73.11% Interest Expended / Interest earned 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% 66.68% 70.08% 70.17% Interest income / Total funds 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% 9.26% 9.68% 10.19% Interest Expended / Total funds 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% 6.17% 6.79% 7.15% CASA 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37% 20.37% 19.23% 17.79%