City Union Bank Ltd
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 )
- Market Cap ₹ 11,436 Cr.
- Current Price ₹ 154
- High / Low ₹ 168 / 120
- Stock P/E 11.7
- Book Value ₹ 101
- Dividend Yield 0.65 %
- 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
Quarterly Results
Figures in Rs. Crores
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: | 12% |
5 Years: | -5% |
3 Years: | -1% |
1 Year: | 18% |
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
1d - Appointment of Shri Gurumoorthy Mahalingam as Part Time Non Executive Chairman for a period of three years w.e.f May 04, 2024
- Certificate Under Regulation 40(9) Of SEBI (LODR) Regulations 2025 16 Apr
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 10 Apr
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 5 Apr
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
2 Apr - Compliance Certificate under Regulation 74(5) of SEBI (DP) Regulations , 2018
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Financial Year 2010
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Concalls
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Ratios
Capital Adequacy Ratio - ~21%
Net Interest Margin - ~4%
Gross NPA - 5%
Net NPA - ~3% [1]
CASA Ratio - 32% [2]