| Key Financial Ratios of City Union Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
15.17 |
13.72 |
12.67 |
10.29 |
8.03 |
|
| Diluted EPS (Rs.) |
15.07 |
13.62 |
12.57 |
10.18 |
7.97 |
|
| Cash EPS (Rs.) |
16.27 |
14.73 |
13.65 |
11.43 |
9.21 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
127.76 |
113.43 |
100.72 |
89.05 |
79.08 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
127.76 |
113.43 |
100.72 |
89.05 |
79.08 |
|
| Dividend/Share (Rs.) |
2.00 |
1.50 |
1.00 |
1.00 |
0.50 |
|
| Operating Revenue / Share (Rs.) |
78.73 |
71.16 |
63.67 |
55.50 |
55.96 |
|
| Net Profit/Share (Rs.) |
15.16 |
13.71 |
12.66 |
10.28 |
8.02 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
7,671,324.92 |
7,332,450.19 |
7,832,425.82 |
7,648,180.55 |
7,076,304.81 |
|
| Net Profit/ Employee (Rs.) |
1,477,483.63 |
1,413,092.52 |
1,557,533.64 |
1,416,368.73 |
1,014,586.34 |
|
| Business/ Employee (Rs.) |
152,014,738.33 |
140,765,665.55 |
158,583,159.49 |
164,054,663.69 |
138,105,754.75 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
66,674,772.57 |
65,882,065.00 |
62,690,652.93 |
56,461,877.58 |
58,898,645.30 |
|
| Net Profit/ Branches (Rs.) |
12,841,443.43 |
12,696,636.25 |
12,466,482.71 |
10,456,191.20 |
8,444,769.23 |
|
| Business/ Branches (Rs.) |
1,321,225,240.00 |
1,264,779,505.00 |
1,269,297,921.54 |
1,211,116,066.02 |
1,149,504,166.67 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
2.23 |
2.20 |
2.81 |
2.67 |
2.86 |
|
| CASA (%) |
28.52 |
30.63 |
29.88 |
32.56 |
29.14 |
|
| Net Profit Margin (%) |
19.25 |
19.27 |
19.88 |
18.51 |
14.33 |
|
| Operating Profit Margin (%) |
34.96 |
35.45 |
31.53 |
28.41 |
23.39 |
|
| Return on Assets (%) |
1.44 |
1.43 |
1.40 |
1.23 |
1.11 |
|
| Return on Equity / Networth (%) |
11.86 |
12.08 |
12.57 |
11.54 |
10.14 |
|
| Net Interest Margin (X) |
2.98 |
2.99 |
3.24 |
3.11 |
3.43 |
|
| Cost to Income (%) |
47.76 |
47.06 |
38.85 |
40.37 |
41.45 |
|
| Interest Income/Total Assets (%) |
7.51 |
7.44 |
7.07 |
6.67 |
7.75 |
|
| Non-Interest Income/Total Assets (%) |
1.15 |
1.04 |
1.21 |
1.23 |
1.32 |
|
| Operating Profit/Total Assets (%) |
0.29 |
0.38 |
0.19 |
0.00 |
-0.20 |
|
| Operating Expenses/Total Assets (%) |
1.97 |
1.90 |
1.73 |
1.75 |
1.97 |
|
| Interest Expenses/Total Assets (%) |
4.53 |
4.44 |
3.83 |
3.55 |
4.32 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
73,465.39 |
65,768.17 |
63,101.73 |
59,580.74 |
54,608.58 |
|
| EV Per Net Sales (X) |
12.59 |
12.48 |
13.39 |
14.51 |
13.21 |
|
| Price To Book Value (X) |
1.23 |
1.19 |
1.25 |
1.45 |
1.97 |
|
| Price To Sales (X) |
2.00 |
1.90 |
1.98 |
2.33 |
2.79 |
|
| Retention Ratios (%) |
90.11 |
92.71 |
92.11 |
95.14 |
93.78 |
|
| Earnings Yield (X) |
0.10 |
0.10 |
0.10 |
0.08 |
0.05 |
|
Source : Dion Global Solutions Limited
