CUB Financial Statements

CUB Half Yearly Results

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Y/e 31 Mar Mar-2016 Mar-2015 Mar-2014 Mar-2013
Growth matrix (%)        
Net interest income 21.50 6.32 21.70 24.90
Total op income 14.80 16.60 15.80 27
Op profit (pre-provision) 20.30 19.20 11 22.60
Net profit 12.60 13.80 7.78 14.90
Advances 17.20 11.60 5.58 25.60
Deposits 12.60 9.33 8.42 24.20
Total assets 14.10 11.50 8.78 25.20
Profitability Ratios (%)        
NIM 3.81 3.44 3.50 3.35
Non-int inc/Total inc 29.50 33.40 26.90 30.50
Return on Avg Equity 15.50 16.70 18.90 22.30
Return on Avg Assets 1.49 1.49 1.45 1.56
Per share ratios ()        
EPS 6.14 5.29 5.14 5.47
Adj.BVPS -- -- -- --
DPS 0.99 0.91 0.83 0.83
Other key ratios (%)        
Credit/Deposits 0.78 0.74 0.73 0.75
Cost/Income 107 113 122 134
CASA 20.40 19.20 -- --
CAR 15.60 16.50 15 --
Tier-I capital 15.10 16 14.40 --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 1.18 1.07 1.07 0.88
Net NPLs/Net loans -- -- -- --
Tax rate 0.36 0.32 0.19 0.25
Dividend yield 1.53 1.38 2.25 2.30
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Y/e 31 Mar ( In .Cr) Mar-2016 Mar-2015 Mar-2014 Mar-2013
Interest income 2,944 2,699 2,546 2,189
Interest expense (1,963) (1,891) (1,787) (1,565)
Net interest income 981 807 759 624
Non-interest income 410 404 280 274
Total op income 1,391 1,211 1,039 898
Total op expenses (558) (519) (458) (374)
Op profit (pre-prov) 833 693 581 523
Provisions (231) (183) (167) (120)
Exceptionals -- 10.90 -- --
Profit before tax 603 521 414 403
Taxes (158) (126) (67) (81)
Net profit 445 395 347 322
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Total cash & equivalents 6,687 5,615 4,722 2,963
Investments 12,221 9,436 9,117 7,712
Advances 40,358 36,158 33,927 32,673
Total int-earning assets 59,267 51,209 47,766 43,349
Fixed assets 215 233 245 250
Other assets 2,050 1,870 1,722 1,660
Total assets 61,531 53,312 49,734 45,259
Net worth 6,586 5,842 5,296 4,841
Deposits 47,690 44,537 40,832 38,448
Borrowings 5,312 1,346 2,032 481
Total int-bearing liabs 53,001 45,883 42,865 38,929
Non-int-bearing liabs 1,944 1,586 1,573 1,489
Total liabilities 54,945 47,469 44,437 40,418
Equity + Total liabilities 61,531 53,312 49,734 45,259
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Particulars ( Rupees In Crores.) Sep-2022 Mar-2022 Sep-2021 Mar-2021
Interest Earned 2,281 2,085 2,020 2,024
Other Income 391 361 398 359
Total Income 2,672 2,446 2,418 2,383
Operating Expenses ** 1,768 1,639 1,630 1,656
Operating Profit Before Prov. & Cont. 904 807 788 727
Provisions & Contingencies 257 292 318 441
Depreciation -- -- -- --
Provision For Taxes 145 110 115 5
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 502 405 355 281
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 502 405 355 281
EPS (Unit Curr.) 6.78 5.48 4.81 3.80
EPS (Adj) (Unit Curr.) 6.78 5.48 4.81 3.80
Calculated EPS (Unit Curr.)  6.78 5.48 4.81 3.80
Calculated EPS (Adj) (Unit Curr.) 6.78 5.48 4.81 3.80
Calculated EPS (Ann.) (Unit Curr.)  13.60 11 9.61 7.61
Calculated EPS (Adj) (Ann.) (Unit Curr.)  13.60 11 9.61 7.61
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 74 74 73.90 73.90
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 80.40 77.20 77.40 68.80
PBDTM(%) 28.40 24.70 23.30 14.10
PATM(%) 22 19.40 17.60 13.90
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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