City Union Bank Ltd

City Union Bank Ltd

₹ 134 -1.80%
21 Feb 4:01 p.m.
About

City Union Bank Limited is a banking company. The Bank's segments include Treasury, Corporate and Wholesale Banking, Retail Banking and Other Banking Operations.(Source : Company Web-site )

Key Points

Ratios
Capital Adequacy Ratio - ~21%
Net Interest Margin - ~4%
Gross NPA - 5%
Net NPA - ~3% [1]
CASA Ratio - 32% [2]

  • Market Cap 9,910 Cr.
  • Current Price 134
  • High / Low 168 / 120
  • Stock P/E 10.1
  • Book Value 101
  • Dividend Yield 0.73 %
  • ROCE 6.01 %
  • ROE 13.4 %
  • Face Value 1.00

Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 6.74% over past five years.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Contingent liabilities of Rs.10,665 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Figures in Rs. Crores

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,048 976 997 1,022 1,035 1,050 1,099 1,181 1,206 1,228 1,266 1,304 1,326
Interest 559 548 550 544 545 549 575 613 650 714 744 766 810
469 527 428 424 404 435 447 390 507 451 452 390 391
Financing Profit 20 -99 20 54 86 66 78 178 49 63 71 149 125
Financing Margin % 2% -10% 2% 5% 8% 6% 7% 15% 4% 5% 6% 11% 9%
220 145 193 203 160 203 218 173 224 195 191 182 193
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 240 46 213 257 246 269 295 351 273 258 262 331 318
Tax % 29% -141% 19% 29% 20% 22% 24% 21% 20% 16% 13% 15% 20%
170 111 173 182 196 209 225 276 218 218 227 281 253
EPS in Rs 2.30 1.50 2.34 2.46 2.65 2.83 3.04 3.74 2.94 2.94 3.07 3.79 3.42
Gross NPA % 2.94% 5.11% 5.59% 5.58% 5.21% 4.70% 4.65% 4.36% 4.62% 4.37% 4.91% 4.66% 4.47%
Net NPA % 1.47% 2.97% 3.49% 3.48% 3.44% 2.95% 2.89% 2.69% 2.67% 2.36% 2.51% 2.34% 2.19%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 1,697 2,189 2,546 2,699 2,944 3,174 3,402 3,767 4,169 4,135 4,105 4,714 5,125
Interest 1,197 1,565 1,787 1,891 1,963 1,975 1,972 2,156 2,493 2,305 2,188 2,552 3,033
359 470 588 655 736 937 1,120 1,140 1,690 1,738 1,605 1,723 1,684
Financing Profit 141 154 171 153 245 262 310 472 -15 92 311 440 408
Financing Margin % 8% 7% 7% 6% 8% 8% 9% 13% -0% 2% 8% 9% 8%
207 274 280 415 410 484 532 514 680 689 759 810 761
Depreciation 14 25 38 47 52 53 52 62 79 87 85 73 0
Profit before tax 334 403 414 521 603 693 790 925 586 693 985 1,177 1,169
Tax % 16% 20% 16% 24% 26% 27% 25% 26% 19% 14% 23% 20%
280 322 347 395 445 503 592 683 476 593 760 937 979
EPS in Rs 4.54 4.94 5.29 5.47 6.14 6.91 8.10 9.30 6.46 8.02 10.28 12.66 13.22
Dividend Payout % 15% 15% 16% 17% 16% 4% 3% 5% 8% 6% 10% 8%
Compounded Sales Growth
10 Years: 8%
5 Years: 7%
3 Years: 4%
TTM: 13%
Compounded Profit Growth
10 Years: 11%
5 Years: 10%
3 Years: 25%
TTM: 5%
Stock Price CAGR
10 Years: 13%
5 Years: -5%
3 Years: -6%
1 Year: 1%
Return on Equity
10 Years: 13%
5 Years: 12%
3 Years: 12%
Last Year: 13%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 41 47 54 60 60 60 66 73 74 74 74 74
Reserves 1,202 1,593 1,971 2,636 2,992 3,510 4,097 4,767 5,222 5,769 6,512 7,383
16,689 20,782 22,322 24,244 27,823 30,647 34,588 38,929 42,865 45,883 53,001 57,086
401 555 647 932 929 1,054 1,186 1,489 1,573 1,586 1,944 2,051
Total Liabilities 18,333 22,977 24,994 27,871 31,804 35,271 39,937 45,259 49,734 53,312 61,531 66,595
98 141 183 210 218 215 223 250 245 233 215 239
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 4,586 5,267 5,954 5,871 6,826 7,031 7,879 7,712 9,117 9,436 12,221 14,333
13,649 17,569 18,857 21,790 24,760 28,024 31,835 37,297 40,372 43,643 49,095 52,023
Total Assets 18,333 22,977 24,994 27,871 31,804 35,271 39,937 45,259 49,734 53,312 61,531 66,595

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-71 618 412 131 248 284 -183 419 1,836 922 1,166 100
-43 -68 -79 -64 -60 -50 -61 -87 -60 -38 -63 -72
-36 84 76 291 -75 -4 1 -5 -18 10 -31 -66
Net Cash Flow -150 634 409 357 113 229 -243 327 1,758 893 1,072 -38

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 25% 22% 19% 16% 15% 15% 15% 15% 9% 11% 12% 13%

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
18.02% 17.15% 16.14% 16.00% 18.12% 18.16% 21.32% 23.75% 24.95% 25.33% 23.66% 26.60%
39.09% 41.65% 42.11% 43.94% 41.22% 41.65% 40.14% 37.74% 36.18% 33.12% 33.18% 32.39%
42.89% 41.20% 41.75% 40.06% 40.66% 40.19% 38.54% 38.53% 38.85% 41.54% 43.15% 41.01%
No. of Shareholders 1,41,5561,39,5971,44,6061,48,2141,53,3311,47,9991,35,2821,45,0831,48,0271,84,7782,08,8122,16,019

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Concalls