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 %	4.63 %	5.9 %
Yield On Advances	9.66 %	12.13 %	11.9 %
Gross NPA	2.42 %	1.88 %	3.3 %
Net NPA	0.9 %	0.55 %	1.0 %
CASA Ratio	28.12 %	30.9 %	27.3 %
CASA vs Liabilities	23.15 %	23.5 %	21.81 %
Credit Deposit Ratio	83.0 %	86.13 %	90.03 %
Cost To Income Ratio	49.16 %	66.3 %	57.2 %
Fresh Slippages - Quarterly	156.5 Crs	909.0 Crs	1310.0 Crs
Capital to Risks Assets Ratio (CRAR)	21.68 %	14.94 %	17.3 %
Tier I Capital	20.71 %	13.45 %	16.5 %
Tier 2 Capital	0.97 %	1.49 %	0.8 %
NBFC
Cost of Borrowing	4.77 %	6.15 %	6.7 %
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	2.11	1.14	0.96
P/E	16.71	25.36	23.8
Shareholdings
Promoter Holding	0.0	0.0	39.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.25 %
Change in Mutual Fund Holding (3 Yrs)	2.37 %	19.96 %	3.79 %

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 Loan Collateralized by Deposits 0 Home loans 0 Mortage 23.2 MSME Sector 0 NBFC-MFI 0 Infra structural Nonagriculture,NBFC 0 EEB Individual 12.1 EEB Group 22.4 NBFC-Others 0 Microloans 0 Agricultural 0 CB 31.4 Small & Medium Enterprises (SME) loans 0 Wholesale Traders 0 Retail 9.5 Large Industries 0 Commercial Real Estate 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 0 Retail banking 0 Consumer Finance 48.55 Treasury Operations 28.95 Corporate Banking 21.63 Treasury Operations 0 Corporate Banking 0 Others 0.87	Segment Break-Up Consumer Finance 0 Consumer Finance 77.87 Retail Banking 0 Treasury Operations 10.34 Corporate Banking 9.98 Treasury Operations 0 Corporate Banking 0 Others 1.81
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 North Eastern 0 Northern 0 Southern 0 Rest of the World 0 Western 0 Central 0 India 100.0 Eastern 0	Location Wise Break-Up North Eastern 5.0 North 9.0 South 17.0 Rest of the World 0 West 22.0 Central 14.0 India 0 Eastern 33.0
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 Corporate / Wholesale Banking 0 Treasury Operations 100.0 Corporate/Wholesale Banking 0 Retail 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 Refinance 51.0 Other banks - India 0 CBLO/LTRO 0 Other Institutions & agencies 0 LAF 0 Reserve Bank of India 0 Inter-Bank 0 Tier Ii 7.0 FCY 42.0	Borrowings Break-Up Refinance 0 Other banks - India 5.37 CBLO/LTRO 0 Other Institutions & Agencies 53.96 LAF 0 Reserve Bank of India 0 Inter-Bank 0 Tier II 0 FCY 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 31.76 Corporate/Wholesale Banking 31.42 Retail Banking 35.47 Others 1.35	-
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 74.94 Non Priority Sector 0 Non Priority Sector Lending 0 Priority Sector 25.06 Priority Sector 0 Priority sector Lending 0	Priority vs Non-Priority Sector Non-Priority 0 Non Priority Sector 0 Non Priority Sector 60.5 Priority 0 Priority Sector 0 Priority Sector 39.5
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 Personal Loan 0 Agriculture 55.02 Services 15.67 Personal loans 0 Agriculture and allied activities 0 Advances to Industries 11.66 Industry sector 0 Agricultural 0 Industrial & Commercial 0 0 Others 17.65	NPA Break-Up Personal Loan 0 Agricultural & Allied Activities 0 Services 58.3 Personal Loan 17.62 Agricultural 8.6 Advances to Industries 0 Industrial & Commercial 7.44 Agricultural 0 Industrial & Commercial 0 Advances to industries 8.04

City Union Bank Ltd.

City Union Bank Ltd.

Financial

Business

SIGN UP FOR FREE