CUB Financial Statements

CUB Nine Monthly 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-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 5,615 4,722 2,963 2,636
Investments 9,436 9,117 7,712 7,879
Advances 36,158 33,927 32,673 27,853
Total int-earning assets 51,209 47,766 43,349 38,368
Fixed assets 233 245 250 223
Other assets 1,870 1,722 1,660 1,346
Total assets 53,312 49,734 45,259 39,937
Net worth 5,842 5,296 4,841 4,163
Deposits 44,537 40,832 38,448 32,853
Borrowings 1,346 2,032 481 1,736
Total int-bearing liabs 45,883 42,865 38,929 34,589
Non-int-bearing liabs 1,586 1,573 1,489 1,186
Total liabilities 47,469 44,437 40,418 35,774
Equity + Total liabilities 53,312 49,734 45,259 39,937
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Particulars ( Rupees In Crores.) Dec-2020 Dec-2019 Dec-2018 Dec-2017
Interest Earned 3,158 3,127 2,783 2,532
Other Income 560 501 368 412
Total Income 3,718 3,628 3,150 2,944
Operating Expenses ** 2,519 2,621 2,248 2,031
Operating Profit Before Prov. & Cont. 1,199 1,006 902 913
Provisions & Contingencies 553 305 224 332
Depreciation -- -- -- --
Provision For Taxes 165 130 170 142
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 482 572 508 440
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 482 572 508 440
EPS (Unit Curr.) 6.53 7.78 7.18 6.89
EPS (Adj) (Unit Curr.) 6.53 7.78 7.18 6.26
Calculated EPS (Unit Curr.)  6.52 7.77 6.94 6.63
Calculated EPS (Adj) (Unit Curr.) 6.52 7.77 6.94 6.03
Calculated EPS (Ann.) (Unit Curr.)  8.70 10.40 9.25 8.84
Calculated EPS (Adj) (Ann.) (Unit Curr.)  8.70 10.40 9.25 8.04
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 73.80 73.60 73.20 66.40
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(%) 76.10 82.30 81.60 81
PBDTM(%) 20.50 22.40 24.40 23
PATM(%) 15.20 18.30 18.20 17.40
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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