City Union Bank Financial Statements

City Union Bank Nine Monthly Results

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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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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-2020 Mar-2019 Mar-2018 Mar-2017
Total cash & equivalents 4,722 2,963 2,636 2,879
Investments 9,117 7,712 7,879 7,031
Advances 33,927 32,673 27,853 23,833
Total int-earning assets 47,766 43,349 38,368 33,743
Fixed assets 245 250 223 215
Other assets 1,722 1,660 1,346 1,313
Total assets 49,734 45,259 39,937 35,271
Net worth 5,296 4,841 4,163 3,570
Deposits 40,832 38,448 32,853 30,116
Borrowings 2,032 481 1,736 531
Total int-bearing liabs 42,865 38,929 34,589 30,647
Non-int-bearing liabs 1,573 1,489 1,186 1,054
Total liabilities 44,437 40,418 35,774 31,701
Equity + Total liabilities 49,734 45,259 39,937 35,271
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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 -- -- -- --
Open ZERO Brokerage Demat Account