Financial Ratios

CITY UNION BANK LTD.

NSE : CUBBSE : 532210ISIN CODE : INE491A01021Industry : Bank - PrivateHouse : City Union Bank
BSE150.75-2.15 (-1.41 %)
PREV CLOSE ( ) 152.90
OPEN PRICE ( ) 149.30
BID PRICE (QTY) 150.70 (510)
OFFER PRICE (QTY) 151.00 (245)
VOLUME 25261
TODAY'S LOW / HIGH ( )149.30 150.75
52 WK LOW / HIGH ( )119.5 167.65
NSE149.50-3.25 (-2.13 %)
PREV CLOSE( ) 152.75
OPEN PRICE ( ) 149.50
BID PRICE (QTY) 149.50 (1429)
OFFER PRICE (QTY) 150.00 (519)
VOLUME 12438
TODAY'S LOW / HIGH( ) 149.50 149.50
52 WK LOW / HIGH ( )119.5 167.8
Select year
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)12.6610.288.026.469.30
   DPS(Rs)1.001.000.300.500.50
   Book NAV/Share(Rs)100.7289.0579.0871.8365.91
Margin Ratios
   Yield on Advances10.9510.1711.4412.2911.53
   Yield on Investments
   Cost of Liabilities4.474.135.025.825.54
   NIM3.383.233.573.513.72
   Interest Spread6.486.046.416.475.99
Performance Ratios
   ROA(%)1.461.321.151.001.60
   ROE(%)13.3512.2310.649.4015.17
   ROCE(%)12.0511.0410.5110.1617.34
Efficiency Ratios
   Cost Income Ratio38.8540.3741.7243.0441.67
   Core Cost Income Ratio38.4941.1645.6646.1742.32
   Operating Costs to Assets1.731.761.972.041.96
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)9.9412.5619.4320.0721.96
   PCE(x)9.2211.2916.9317.2120.15
   Price/Book(x)1.251.451.971.803.10
   Yield(%)0.790.770.190.390.24
   EV/Net Sales(x)2.973.623.112.784.11
   EV/Core EBITDA(x)7.709.318.768.6412.48
   EV/EBIT(x)3.764.684.293.765.02
   EV/CE(x)0.210.240.240.230.34
   M Cap / Sales1.982.332.792.293.98
Growth Ratio
   Core Operating Income Growth12.854.759.223.9512.67
   Operating Profit Growth
   Net Profit Growth23.3328.2324.46-30.2515.35
   BVPS Growth13.1112.6010.098.995.23
   Advances Growth6.6811.626.573.8417.31
   EPS Growth(%)23.1928.1024.21-30.514.39
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.060.060.060.050.05
   Investment / Deposits(x)0.270.260.210.220.20
   IncLoan / Deposits(x)8.9511.143.024.981.25
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)2.362.954.092.291.81

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.