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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

8,678.25
18.22
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,680.28
0.42%
1.64

Chart

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

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

15.26
20.18
21.03

P:BV (Average)

8 Years
5 Years
3 Years

1.98
1.98
1.98

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.35
9.17
9.95

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 20 Mar 19 Var% Dec 19 Dec 18 Var% Sep 19 Sep 18 Var% Jun 19 Jun 18 Var%
Interest Earned 1,041.68 984.55 5.80% 1,060.87 966.62 9.75% 1,036.82 926.49 11.91% 1,029.24 889.50 15.71%
Interest Exp. 622.18 563.95 10.33% 633.60 548.53 15.51% 625.28 528.46 18.32% 612.36 514.73 18.97%
Net Interest Income 419.50 420.60 -0.26% 427.27 418.09 2.20% 411.55 398.02 3.40% 416.88 374.77 11.24%
NIM 0.00 4.32 -100.00% 3.96 4.41 -10.20% 4.01 4.28 -6.31% 4.11 4.24 -3.07%
Other Income 179.31 146.89 22.07% 142.37 119.83 18.81% 194.97 118.55 64.46% 163.29 129.11 26.47%
Total Income 1,220.98 1,131.44 7.91% 1,203.24 1,086.46 10.75% 1,231.80 1,045.04 17.87% 1,192.53 1,018.61 17.07%
Operating Exp. 263.71 229.71 14.80% 261.21 231.07 13.04% 260.04 220.63 17.86% 228.78 204.48 11.88%
Operating Profit 335.09 337.78 -0.80% 308.43 306.86 0.51% 346.48 295.95 17.07% 351.40 299.41 17.36%
Provision 450.38 90.67 396.72% 81.00 78.75 2.86% 107.95 67.96 58.84% 115.75 77.76 48.86%
PBT -115.29 247.11 - 227.43 228.11 -0.30% 238.53 227.99 4.62% 235.65 221.65 6.32%
PBTM -11.07 25.10 - 21.44 23.60 -9.15% 23.01 24.61 -6.50% 22.90 24.92 -8.11%
TAX -20.00 72.00 - 35.00 50.00 -30.00% 45.00 60.00 -25.00% 50.00 60.00 -16.67%
PAT -95.29 175.11 - 192.43 178.11 8.04% 193.53 167.99 15.20% 185.65 161.65 14.85%
PATM -9.15% 17.79% 18.14% 18.43% 18.67% 18.13% 18.04% 18.17%
EPS -1.29 2.38 - 2.62 2.43 7.82% 2.63 2.30 14.35% 2.53 2.21 14.48%
Gross NPA 1,413.40 977.05 44.66% 1,185.43 891.92 32.91% 1,135.44 847.88 33.92% 1,076.22 851.12 26.45%
Gross NPA% 4.09 2.95 38.64% 3.50 2.91 20.27% 3.41 2.85 19.65% 3.34 3.02 10.60%
Net NPA 778.49 591.46 31.62% 649.41 527.60 23.09% 624.08 497.78 25.37% 599.96 473.49 26.71%
Net NPA% 2.29 1.81 26.52% 1.95 1.74 12.07% 1.90 1.69 12.43% 1.89 1.70 11.18%
CASA 0.00 25.22 -100.00% 23.35 23.86 -2.14% 24.69 23.64 4.44% 23.44 23.93 -2.05%

Description Mar 20 Mar 19 Var% Dec 19 Dec 18 Var% Sep 19 Sep 18 Var% Jun 19 Jun 18 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 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income - 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 - 4,168.60 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 - 2,493.41 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 - 3.95% 12.67% 19.31% 22.19% 21.51% 6.32% 21.70% 24.86% 18.98% Other Income - 679.95 514.39 532.10 483.95 409.98 404.10 279.86 273.64 207.13 157.40 Total Income - 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 - 1,689.83 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 - 665.31 986.36 842.46 745.78 655.13 556.86 462.20 427.70 347.79 298.88 EBITDA Margin - 39.72% 61.21% 58.90% 62.21% 66.78% 68.97% 60.86% 68.54% 69.59% 71.16% Depreciation - 78.99 61.50 52.46 53.01 52.43 46.73 37.72 24.68 13.55 16.83 PBT - 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 - 110.00 242.00 198.00 190.00 158.00 126.00 77.40 81.00 54.00 67.00 Tax Rate - 18.76% 26.17% 25.06% 27.43% 26.22% 24.70% 18.23% 20.10% 16.16% 23.75% PAT - 476.32 682.85 592.00 502.77 444.69 384.13 347.07 322.02 280.25 215.05 PAT before Minority Interest - 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 PAT Margin - 20.22% 32.12% 30.17% 29.88% 31.97% 31.71% 33.40% 35.87% 39.65% 37.24% PAT Growth - -30.25% 15.35% 17.75% 13.06% 15.77% 10.68% 7.78% 14.90% 30.32% EPS - 6.46 9.26 8.03 6.82 6.03 5.21 4.71 4.37 3.80 2.92

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 1,836.23 396.91 -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 -623.32 -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 16.63 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%

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Annual Reports:

News Update:

City Union Bank to raise Rs 600 crore through QIP
14th Jul 2020, 11:01 AM

The board has also approved issue of Unsecured Perpetual Debt Instruments, NCDs, Basel III compliant Tier I and Tier II bonds or such other debt securities
Read More
City Union Bank reports 6% growth in deposits in FY20
19th Jun 2020, 15:54 PM

Besides, the bank has also reports 5% rise in its advances at Rs 34,576 crore in FY20
Read More
City Union Bank launching Video KYC account opening app
19th Jun 2020, 09:55 AM

The bank is launching Video KYC account opening app for enabling customers to do their banking operations from their home
Read More
City Union Bank - Quarterly Results
18th Jun 2020, 12:00 AM

Read More

City Union Bank Ltd.

Bank - Private

BSE: 532210 | NSE: CUB

Stock Summary

Chart

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

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

Top Investors:

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 | EPS

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

Top Investors:

Annual Reports:

News Update: