City Union Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	City Union Bank	RBL Bank	Bandhan Bank
Operational Metrics
Banks
Net Interest Margin	3.63 %	4.51 %	5.8 %
Yield On Advances	9.66 %	12.26 %	12.1 %
Gross NPA	2.42 %	2.32 %	5.0 %
Net NPA	0.9 %	0.57 %	1.4 %
CASA Ratio	28.12 %	31.9 %	28.0 %
CASA vs Liabilities	23.15 %	24.15 %	22.7 %
Credit Deposit Ratio	83.0 %	86.19 %	85.15 %
Cost To Income Ratio	49.16 %	70.7 %	58.2 %
Fresh Slippages - Quarterly	156.5 Crs	925.0 Crs	1590.0 Crs
Capital to Risks Assets Ratio (CRAR)	21.68 %	15.02 %	18.2 %
Tier I Capital	20.71 %	13.51 %	17.4 %
Tier 2 Capital	0.97 %	1.51 %	0.8 %
NBFC
Cost of Borrowing	4.77 %	6.23 %	6.9 %
Financials
5 yr Average ROE	12.32 %	4.8 %	9.79 %
5yr average Equity Multiplier	8.8	8.73	7.72
5yr Average Asset Turnover Ratio	0.08	0.11	0.12
5yr Avg Net Profit Margin	15.69 %	4.64 %	9.89 %
5yr Avg Net Profit Margin	15.69 %	4.64 %	9.89 %
5yr CAGR Net Profit	13.64 %	6.25 %	4.48 %
5yr CAGR Sales	6.9 %	11.05 %	11.36 %
5 yr CAGR PPOP	2.72 %	4.45 %	1.77 %
Price to Book	2.03	1.17	0.91
P/E	16.7	34.87	18.38
Shareholdings
Promoter Holding	0.0	0.0	40.29 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.3 %
Change in Mutual Fund Holding (3 Yrs)	-0.52 %	21.66 %	1.47 %

Business

	City Union Bank	RBL Bank	Bandhan Bank
Loan Break-Up	Loan Break-Up MSME Sector 40.11 Infra structural Nonagriculture,NBFC 17.2 Agricultural 15.7 Commercial Real Estate 5.27 Home loans 4.61 Large Industries 1.15 Wholesale Traders 1.04 Retail 0.7 Loan Collateralized by Deposits 0 CB 0 EEB Individual 0 EEB Group 0 Mortgages 0 NBFC-Others 0 NBFC-MFI 0 Retail 0 Small & Medium Enterprises (SME) loans 0 Microloans 0 Others 14.22	-	Loan Break-Up NBFC-MFI 0 MSME Sector 0 Microloans 0 EEB Individual 13.3 Commercial Real Estate 0 Wholesale Traders 0 Loan Collateralized by Deposits 0 Small & Medium Enterprises (SME) loans 0 Agricultural 0 NBFC-Others 0 Large Industries 0 CB 29.2 Retail 8.9 EEB Group 23.6 Mortage 23.6 Infra structural Nonagriculture,NBFC 0 Home loans 0 Others 1.4
Segment Break-Up	Segment Break-Up Consumer Finance 59.16 Corporate Banking 21.29 Treasury Operations 17.67 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Retail banking 0 Others 1.88	Segment Break-Up Consumer Finance 49.19 Treasury Operations 0 Retail banking 0 Consumer Finance 0 Treasury Operations 28.34 Corporate Banking 21.7 Corporate Banking 0 Others 0.77	Segment Break-Up Retail Banking 0 Treasury Operations 0 Consumer Finance 78.21 Consumer Finance 0 Treasury Operations 10.64 Corporate Banking 9.38 Corporate Banking 0 Others 1.77
Gold Loan Portfolio	Gold Loan Portfolio Agriculture 50.07 Non Agriculture 49.93	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0	Location Wise Break-Up Eastern 0 North Eastern 0 Northern 0 Central 0 Western 0 India 100.0 Southern 0 Rest of the World 0	Location Wise Break-Up Eastern 33.0 North Eastern 5.0 North 9.0 Central 15.0 West 22.0 India 0 South 16.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.05 Treasury 38.68 Corporate / Wholesale Banking 14.25 Corporate/Wholesale Banking 0 Others 7.02	-	Operating Profit Break-Up Treasury Operations 100.0 Retail Banking 0 Corporate / Wholesale Banking 0 Corporate/Wholesale Banking 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.47 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Other Institutions & agencies 0 Other banks - India 0 Others 82.53	Borrowings Break-Up Tier Ii 7.0 CBLO/LTRO 0 Other Institutions & agencies 0 Other banks - India 0 Inter-Bank 0 Refinance 51.0 FCY 42.0 LAF 0 Reserve Bank of India 0	Borrowings Break-Up Tier II 0 CBLO/LTRO 0 Other Institutions & Agencies 53.96 Other banks - India 5.37 Inter-Bank 0 Refinance 0 FCY 0 LAF 0 Reserve Bank of India 0 Others 40.67
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 Treasury 32.18 Retail Banking 35.55 Corporate/Wholesale Banking 30.97 Others 1.3	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 58.96 Non Priority Sector 41.04 Non-Priority 0 Priority 0 Non Priority Sector Lending 0 Priority sector Lending 0	Priority vs Non-Priority Sector Non Priority Sector Lending 0 Priority sector Lending 0 Priority Sector 0 Priority Sector 25.06 Non Priority Sector 0 Non Priority Sector 74.94	Priority vs Non-Priority Sector Non Priority Sector 60.5 Priority Sector 39.5 Priority Sector 0 Priority 0 Non Priority Sector 0 Non-Priority 0
NPA Break-Up	NPA Break-Up Services 39.95 Industrial & Commercial 37.26 Personal Loan 12.05 Agricultural 10.74 Advances to Industries 0 Agricultural & Allied Activities 0 Industry sector 0 Personal loans 0 0 Agriculture and allied activities 0	NPA Break-Up Industrial & Commercial 0 Industry sector 0 Services 15.67 Personal loans 0 Agricultural 0 Advances to Industries 11.66 Agriculture 55.02 0 Personal Loan 0 Agriculture and allied activities 0 Others 17.65	NPA Break-Up Industrial & Commercial 0 Industrial & Commercial 7.44 Services 58.3 Personal Loan 17.62 Agricultural 0 Advances to Industries 0 Agricultural & Allied Activities 0 Advances to industries 8.04 Personal Loan 0 Agricultural 8.6

City Union Bank Ltd.

City Union Bank Ltd.

Financial

Business

SIGN UP FOR FREE