City Union Bank Ltd. benchmarking: Performance to industry peers

Financial

	City Union Bank	RBL Bank	J&K Bank
Operational Metrics
Banks
Net Interest Margin	3.87 %	4.41 %	3.52 %
Yield On Advances	9.8 %	11.64 %	8.51 %
Gross NPA	1.91 %	1.45 %	2.5 %
Net NPA	0.68 %	0.39 %	0.64 %
CASA Ratio	27.64 %	33.6 %	45.65 %
CASA vs Liabilities	22.31 %	25.83 %	39.9 %
Credit Deposit Ratio	85.0 %	82.21 %	74.17 %
Cost To Income Ratio	46.15 %	65.1 %	47.86 %
Fresh Slippages - Quarterly	199.0 Crs	925.0 Crs	202.02 Crs
Capital to Risks Assets Ratio (CRAR)	21.92 %	14.25 %	16.55 %
Tier I Capital	20.82 %	12.77 %	14.44 %
Tier 2 Capital	1.1 %	1.48 %	2.12 %
NBFC
Cost of Borrowing	4.64 %	5.87 %	4.47 %
Financials
5 yr Average ROE	12.32 %	4.8 %	13.3 %
5yr average Equity Multiplier	8.8	8.73	14.64
5yr Average Asset Turnover Ratio	0.08	0.11	0.07
5yr Avg Net Profit Margin	15.69 %	4.64 %	10.41 %
5yr Avg Net Profit Margin	15.69 %	4.64 %	10.41 %
5yr CAGR Net Profit	13.64 %	6.25 %	37.19 %
5yr CAGR Sales	6.9 %	11.05 %	9.21 %
5 yr CAGR PPOP	2.72 %	4.45 %	13.06 %
Price to Book	1.73	1.21	0.9
P/E	13.76	22.93	6.26
Shareholdings
Promoter Holding	0.0	0.0	59.4 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-4.01 %
Change in Mutual Fund Holding (3 Yrs)	3.04 %	23.04 %	2.97 %

Business

	City Union Bank	RBL Bank	J&K Bank
Loan Break-Up	Loan Break-Up MSME Sector 37.49 Infra structural Nonagriculture,NBFC 19.17 Agricultural 16.26 Commercial Real Estate 7.41 Home loans 4.08 Large Industries 0.88 Wholesale Traders 0.48 Retail 0.09 Loan Collateralized by Deposits 0 Trade 0 Personal 0 SME 0 Corporate 0 Others 14.14	-	Loan Break-Up Loan Collateralized by Deposits 0 Agricultural 0 Retail 0 Corporate 31.0 Large Industries 0 Infra structural Nonagriculture,NBFC 0 Wholesale Traders 0 Trading 9.0 SME 10.0 Commercial Real Estate 0 Personal 37.0 Home loans 0 MSME Sector 0 Others 13.0
Segment Break-Up	Segment Break-Up Consumer Finance 60.8 Corporate Banking 19.14 Treasury Operations 17.18 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 2.88	Segment Break-Up Treasury Operations 28.95 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Consumer Finance 48.55 Corporate Banking 21.63 Others 0.87	Segment Break-Up Treasury 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 23.95 Consumer Finance 56.83 Corporate Banking 18.58 Others 0.64
Gold Loan Portfolio	Gold Loan Portfolio Non Agriculture 55.2 Agriculture 44.8	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 42.7 Retail Banking 39.26 Corporate / Wholesale Banking 7.91 Others 10.13	-	Operating Profit Break-Up Retail Banking 40.73 Corporate / Wholesale Banking 0 Treasury 0 Others 59.27
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 Unsecured Redeemable Debentures/Bonds 0 Others 82.53	Borrowings Break-Up Refinance 51.0 Tier Ii 7.0 FCY 42.0 Inter-Bank 0 LAF 0 CBLO/LTRO 0 Unsecured Redeemable Debentures/Bonds 0 Reserve Bank of India 0	Borrowings Break-Up Refinance 0 Tier II 0 FCY 0 Inter-Bank 0 LAF 0 CBLO/LTRO 0 UNSECURED REDEEMABLE BONDS 99.92 Reserve Bank of India 0 Others 0.08
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 Retail Banking 35.47 Corporate/Wholesale Banking 31.42 Treasury 31.76 Others 1.35	Asset Break-Up - Segment Wise Retail Banking 47.82 Corporate/Wholesale Banking 22.05 Treasury 0 Others 30.13
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 58.96 Non Priority Sector 41.04 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 74.94 Priority Sector 0 Priority Sector 25.06 Non Priority Sector 0	Priority vs Non-Priority Sector Non-Priority 0 Priority Sector 34.49 Priority 0 Non Priority Sector 65.51
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 0 Agriculture & Allied Activities 0	NPA Break-Up Agriculture 55.02 Services 15.67 Agricultural 0 Industrial & Commercial 0 Advances to Industries 11.66 0 Agriculture & Allied Activities 0 Personal Loan 0 Others 17.65	NPA Break-Up Agricultural & Allied Activities 0 Services 59.37 Agricultural 0 Industrial & Commercial 0 Advances to Industries 0 Priority Sector 9.52 Agricultural 9.8 Personal Loan 0 Others 21.31

City Union Bank Ltd.

City Union Bank Ltd.

Financial

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