City Union Bank Ltd.

Financial

	City Union Bank	J&K Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.67 %	3.9 %	5.04 %
Yield On Advances	9.81 %	9.57 %	13.5 %
Gross NPA	3.54 %	3.95 %	2.88 %
Net NPA	1.62 %	0.85 %	0.79 %
CASA Ratio	29.45 %	48.6 %	33.6 %
CASA vs Liabilities	27.04 %	42.03 %	25.21 %
Credit Deposit Ratio	85.0 %	69.71 %	81.41 %
Cost To Income Ratio	47.06 %	54.56 %	64.2 %
Fresh Slippages - Quarterly	354.3 Crs	256.19 Crs	1026.0 Crs
Capital to Risks Assets Ratio (CRAR)	22.98 %	14.99 %	15.9 %
Tier I Capital	21.98 %	12.7 %	14.2 %
Tier 2 Capital	1.0 %	2.29 %	1.7 %
NBFC
Cost of Borrowing	4.76 %	4.8 %	6.6 %
Financials
5 yr Average ROE	11.69 %	5.65 %	4.96 %
5yr average Equity Multiplier	9.04	15.68	8.54
5yr Average Asset Turnover Ratio	0.09	0.07	0.11
5yr Avg Net Profit Margin	14.32 %	4.73 %	4.77 %
5yr Avg Net Profit Margin	14.32 %	4.73 %	4.77 %
5yr CAGR Net Profit	16.35 %	n/a	20.29 %
5yr CAGR Sales	4.4 %	6.12 %	7.64 %
5 yr CAGR PPOP	2.49 %	9.02 %	2.91 %
Price to Book	1.47	0.8	0.6
P/E	12.33	5.22	7.79
Shareholdings
Promoter Holding	0.0	59.4 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-14.83 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-2.33 %	3.47 %	4.88 %

Business

	City Union Bank	J&K Bank	RBL Bank
Loan Break-Up	Loan Break-Up MSME Sector 37.7 Agricultural 18.71 Infra structural Nonagriculture,NBFC 15.14 Commercial Real Estate 6.0 Home loans 4.65 Wholesale Traders 2.22 Retail 1.35 Large Industries 1.29 Loan Collateralized by Deposits 0 Trade 0 Personal 0 SME 0 Corporate 0 Others 12.94	Loan Break-Up Trading 10.0 SME 12.0 Home loans 0 Corporate 27.0 Wholesale Traders 0 Infra structural Nonagriculture,NBFC 0 Large Industries 0 Loan Collateralized by Deposits 0 Personal 39.0 Commercial Real Estate 0 MSME Sector 0 Agricultural 0 Retail 0 Others 12.0	-
Gold Loan Portfolio	Gold Loan Portfolio Agriculture 55.86 Non Agriculture 44.14	-	-
Segment Break-Up	Segment Break-Up Consumer Finance 59.48 Corporate Banking 20.22 Treasury Operations 18.8 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Treasury 0 Others 1.5	Segment Break-Up Treasury Operations 21.18 Treasury 0 Consumer Finance 0 Corporate Banking 18.36 Consumer Finance 59.66 Corporate Banking 0 Others 0.8	Segment Break-Up Treasury Operations 0 Treasury Operations 29.8 Consumer Finance 0 Corporate Banking 20.41 Consumer Finance 49.11 Corporate Banking 0 Others 0.68
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 41.89 Treasury 40.07 Corporate / Wholesale Banking 12.8 Others 5.24	Operating Profit Break-Up Corporate / Wholesale Banking 0 Retail Banking 52.93 Treasury 0 Others 47.07	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 28.62 Unsecured Redeemable Debentures/Bonds 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 71.38	Borrowings Break-Up Inter-Bank 0 FCY 0 UNSECURED REDEEMABLE BONDS 99.86 Reserve Bank of India 0 LAF 0 CBLO/LTRO 0 Tier II 0 Refinance 0 Others 0.14	Borrowings Break-Up Inter-Bank 0 FCY 42.0 Unsecured Redeemable Debentures/Bonds 0 Reserve Bank of India 0 LAF 0 CBLO/LTRO 0 Tier Ii 7.0 Refinance 51.0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Others 100	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 18.36 Retail Banking 50.45 Treasury 0 Others 31.19	Asset Break-Up - Segment Wise Corporate/Wholesale Banking 25.82 Retail Banking 36.48 Treasury 36.19 Others 1.51
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 57.9 Non Priority Sector 42.1 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 62.8 Non-Priority 0 Priority Sector 37.2 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 73.91 Priority Sector 0 Priority Sector 26.09
NPA Break-Up	NPA Break-Up Services 37.45 Industrial & Commercial 24.36 Personal Loan 20.22 Agricultural 17.97 0 Agriculture & Allied Activities 0 Advances to Industries 0 Agricultural & Allied Activities 0	NPA Break-Up Industrial & Commercial 0 Agricultural 10.78 Personal Loan 0 Agricultural & Allied Activities 0 Advances to Industries 0 Priority Sector 6.31 Services 48.17 Agricultural 0 Others 34.74	NPA Break-Up Industrial & Commercial 0 Agriculture & Allied Activities 0 Personal Loan 0 Agriculture 22.18 Advances to Industries 31.53 0 Services 29.76 Agricultural 0 Others 16.53

City Union Bank Ltd.

SIGN UP FOR FREE