City Union Bank Limited
NSE Symbol CUB
CITY UNION BANK has declared reasonably GOOD RESULTS for the third quarter ended Dec, 2011.
Interest
on Advances stands
at Rs.360.47 Cr in Q3 FY 12 - up by 7.69% from Q2 FY 12; Up by 19.65% from q1 FY 12; and up by 45.78% from Q3 FY 11.
Income
on Investments stands
at Rs.76.7 Cr in Q3 FY 12 – up by 3.35% from q2 FY 12; up by 11.17%
from Q1 FY 12; and up by 20.09% from Q3 FY 11.
Interest
Earned stands
at Rs.438.57 Cr in Q3 FY 12 – up by 6.72%
from Q2 FY 12; up by 18.17% from Q1 FY
12; and up by 40.13% from Q3 FY 11.
Other
Income stands at
Rs.50.76 cr – up by 2.99% from Q2 FY 12;up
by 10.62% from q1 FY 12; and up by 39.75%
in Q3 FY 11.
Total
Income stands at
Rs.489.33 Cr - up by 6.32% from Q2 FY
12; up by 17.34% from Q1 FY 12; and up by 40.09% from Q3 FY 11.
Interest
Expended stands
at Rs.315.74 Cr – up by 8.6% from Q2 FY 12; up by 25.75% from q1 Fy 12; and up
by 51.64% from Q3 FY 11.
Net
Intt Income stands at Rs.122.83 Cr – up by 2.16% from Q2 FY 12; and up by 2.32% from Q1 FY 12; and up by 17.26% from Q3 FY 11.
Total
Expdr(Excl.prov) stands
at Rs.384.39 Cr – up by 7.16% from Q2 FY
12; up by 23.74% from Q1 FY 12; and up
by 48.24% from Q3 FY 11.
Operating
Profit stands
at Rs.104.94 Cr – up by 3.36% from QW2
FY 12; down by -1.34% from Q1 Fy 12; and
up by 16.61% from Q3 FY 11.
Provisions stands at Rs.25.65 cr – up by 193.1% from Q2 FY 12; up by 29.2% from Q1 FY 12; and up by 137.71% from Q3 FY 11.
Profit before tax
stands
at Rs.79.29 Cr – down by -14.54% from Q2
FY 12; down by -8.35% from Q1 Fy 12; and
up by 0.11% from Q3 FY11.
Tax
Expense stands at Rs.7.05
Cr – down by -53.77% from Q2 FY 12; down
by -74.8% from Q1 Fy 12; and down
by -67.21% from Q3 Fy 11.
Net Profit
stands at Rs.72.24 Cr –
down by -6.82% from Q2 FY 12; up by 23.46% from Q1 FY 12; and up by 25.19% from Q3 FY 11.
Face
Value of
the share is Rs.1
Capital
Adequacy Ratio is
Rs.12.35
% of
Gross/Net NPA stands
at 0.51% (0.42 in Q2 FY 12; 0.51 in Q1
FY 12; and 0.53 in Q3 FY 11)
Return
on Assets stands
at Rs.1.71 in Q3 FY 12.
Basic
EPS stands
at Rs.1.77 in Q3 FY 12; Rs.1.91 in Q2 FY 12; Rs.1.44 in Q1 FY 12; and 1.43 in
Q3 FY 11. The annual EPS may be around Rs.6.89.
The current Market price is Rs.43.40
While the 52 week high price is Rs.50.50 and the 52 week low price is Rs.34.85.
The PE
Ratio is
6.3.
RESULTS
TABLE
|
city union bank
|
31-Dec-11
|
30-Sep-11
|
%dif1
|
30-Jun-11
|
%dif2
|
31-Dec-10
|
%dif3
|
|
Interest on Advances
|
36046.96
|
33472.7
|
7.69
|
30125.94
|
19.65
|
24726.31
|
45.78
|
|
Income on Investments
|
7669.93
|
7421.24
|
3.35
|
6899.26
|
11.17
|
6386.58
|
20.09
|
|
Income on Balances With RBI
|
140.28
|
202.25
|
-30.64
|
88.41
|
58.67
|
184.03
|
-23.77
|
|
Interest Earned
|
43857.17
|
41096.19
|
6.72
|
37113.61
|
18.17
|
31296.92
|
40.13
|
|
Other Income
|
5075.61
|
4928.1
|
2.99
|
4588.37
|
10.62
|
3631.89
|
39.75
|
|
Total Income
|
48932.78
|
46024.29
|
6.32
|
41701.98
|
17.34
|
34928.81
|
40.09
|
|
Interest Expended
|
31574.2
|
29073.29
|
8.6
|
25109.52
|
25.75
|
20822.23
|
51.64
|
|
Net Intt Income
|
12282.97
|
12022.9
|
2.16
|
12004.09
|
2.32
|
10474.69
|
17.26
|
|
Employees Cost
|
2835.31
|
2704.74
|
4.83
|
2922.23
|
-2.97
|
2459.66
|
15.27
|
|
Other Oprtng Expenses
|
4029.61
|
4093.95
|
-1.57
|
3033.7
|
32.83
|
2647.88
|
52.18
|
|
Oprtng Expenses
|
6864.92
|
6798.69
|
0.97
|
5955.93
|
15.26
|
5107.54
|
34.41
|
|
Total Expdr(Excl.prov)
|
38439.12
|
35871.98
|
7.16
|
31065.45
|
23.74
|
25929.77
|
48.24
|
|
Operating Profit
|
10493.66
|
10152.31
|
3.36
|
10636.53
|
-1.34
|
8999.04
|
16.61
|
|
Provisions
|
2565
|
875
|
193.1
|
1985.34
|
29.2
|
1079.04
|
137.71
|
|
Profit before tax
|
7928.66
|
9277.31
|
-14.54
|
8651.19
|
-8.35
|
7920
|
0.11
|
|
Tax Expense
|
705
|
1525
|
-53.77
|
2800
|
-74.8
|
2150
|
-67.21
|
|
Net Profit
|
7223.66
|
7752.31
|
-6.82
|
5851.19
|
23.46
|
5770
|
25.19
|
|
Face Value(Rs.)
|
1
|
1
|
0
|
1
|
0
|
1
|
0
|
|
Paid-up Equity
|
4073.55
|
4067.15
|
0.16
|
4067.15
|
0.16
|
4035.83
|
0.93
|
|
Capital Adequacy Ratio
|
12.35
|
11.73
|
5.29
|
10.83
|
14.04
|
11.32
|
9.1
|
|
Basic EPS
|
1.77
|
1.91
|
-7.33
|
1.44
|
22.92
|
1.43
|
23.78
|
|
Diluted EPS
|
1.76
|
1.89
|
-6.88
|
1.43
|
23.08
|
1.42
|
23.94
|
|
Gross/Net NPA
|
5607.53
|
4370.33
|
28.31
|
4888.03
|
14.72
|
4487.58
|
24.96
|
|
% of Gross/Net NPA
|
0.51
|
0.42
|
21.43
|
0.51
|
0
|
0.53
|
-3.77
|
|
Return on Assets
|
1.71
|
1.93
|
-11.4
|
1.57
|
8.92
|
1.71
|
0
|
|
Public holding (%)
|
100
|
100
|
0
|
100
|
0
|
100
|
0
|
* * *
E N D * * *
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