City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built...
Analysis of Financial Track Record
Net Profit/Total Funds (%)
- >1.25 : Very Good
- 1-1.25 : Somewhat Good
- <1 : Not Good
| Net Profit/Total Funds (%) | 1.64 | 1.7 | 1.56 | 1.45 | 1.45 | 1.49 | 1.5 | 1.57 | 1.6 | 1 |
Net NPA to Net Advances (%): Colour Rating Guide
- < 0.5 : Very Good
- 0.5-1 : Somewhat Good
- >1: Not Good
| Net NPA to Net Advances (%) | 0.52 | 0.44 | 0.63 | 1.23 | 1.3 | 1.53 | 1.71 | 1.7 | 1.81 | 2.29 |
Capital Adequacy Ratio: Colour Rating Guide
- > 12% : Very Good
- 9%-12% : Somewhat Good
- <9%: Not Good
| Capital Adequacy Ratio | - | - | - | - | - | - | - | - | - | 0% |
|
Key Financial Ratios
|
|---|
| RATIOS \ YEARS | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | |
| Interest Earned / Total Income | 88.56 | 89.12 | 88.89 | 90.1 | 86.98 | 87.78 | 86.77 | 86.48 | 87.99 | 85.98 | |
|
Margins
|
Margins: Colour Rating Guide
|
||||||||||
| NIM (%) | 2.97 | 2.8 | 2.8 | 3.13 | 3.06 | 3.21 | 3.55 | 3.73 | 3.72 | 3.51 | |
|
Performance Ratios
|
Performance Ratios: Colour Rating Guide
|
||||||||||
| Return on Equity (%) | 23.47 | 24.91 | 22.33 | 18.94 | 16.28 | 15.47 | 15.18 | 15.31 | 15.17 | 9.4 | |
|
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
|
|||||||||||
| CASA (%) | 19.58 | 18.19 | 16.77 | 17.79 | 19.23 | 20.37 | 23.37 | 24.22 | 25.22 | 24.97 | |
Management X-Ray
Shareholding Pattern
| Entity | Percentage Holding |
|---|---|
| Institutions | 46.19% |
| Non-Institutions | 53.81% |
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
FAQs
MoneyWorks4Me analysed the past 10-year performance of City Union Bank Ltd and arrived at the following conclusion:
Past 10 year's financial track record indicates that City Union Bank Ltd is a good quality company. However, for specific investment actions please connect with your investment advisor.The 5-year analysis of City Union Bank Ltd's performance infers:
City Union Bank Ltd earnings have grown by 4%, whereas share price has appreciated 21.9% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.We analysed the performance of City Union Bank Ltd share prices over the last 10 years. Here is what we found out:
City Union Bank Ltd share price has appreciated 18.1% annually over the past ten years. About Company
City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta District Thanjavur. The first Branch of the Bank was opened at Mannargudi on January 24, 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur,
City Union Bank Limited is an old premier private sector bank which was incorporated on October 31, 1904 with its Registered Office at Kumbakonam, Tamilnadu, India. The bank in the beginning preferred the role of a regional bank and slowly but steadily built for itself a place in the Delta District Thanjavur. The first Branch of the Bank was opened at Mannargudi on January 24, 1930. Thereafter, branches were opened at Nagapattinam, Sannanallur, Ayyampet, Tirukattupalli, Tiruvarur, Manapparai, Mayuram and Porayar within a span of twenty five years.
Business area of the Bank
The Bank operates under four Business Segments namely Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations.
Products and services
- Personal Banking
- MSME
- Corporate Banking
- Agri & Rural
- NRI services
- Tech Banking
- Academic Institutions
Recognition & Awards
2011-12:
- Sir Vishvesvaraya Industraial Awards & (TNSB) Innovation Awards 2011 - 2012
- Industrial Economist Excellence Award - 2012
- Best Mid-Sized Bank on Profitability and Efficiency - Business Today Survey - 2012
2013 -14:
- Financial Express India's Best Banks Awards for 2013 - 2014 (Winner) in the category of Old Private Sector Bank
- National payments Excellence Awards for 2013 - 2014 (Runner Up) in the Small Banks Category
- City Union Bank has been awarded by NPCI for Valuable contribution in CTS Implementation in Chennai 2013 -2014
2014-15:
- Financial Express India's Best Banks Awards for 2014 - 2015 (Winner) in the category of Strength & Soundness
2015-16:
- Financial Express India's Best Banks Awards for 2015 - 2016 (Winner) in the category of Top Old Private Sector Bank for Performance
- Best Small-sized Bank in Businessworld Best Banks Survey 2015 - 2016
2016-17:
- Best Bank Award for Cyber security and Defense in the category of Small Banks for 2016 - 2017
2017-18:
- NPCI Awards for Excellent Performance in Rupay for 2017 - 2018
