City Union Bank Ltd. benchmarking: Performance to industry peers

Financial

	City Union Bank	RBL Bank	J&K Bank
Operational Metrics
Banks
Net Interest Margin	3.89 %	4.63 %	3.62 %
Yield On Advances	9.73 %	12.13 %	8.93 %
Gross NPA	2.17 %	1.88 %	3.0 %
Net NPA	0.78 %	0.55 %	0.68 %
CASA Ratio	27.28 %	30.9 %	44.1 %
CASA vs Liabilities	24.83 %	23.5 %	38.73 %
Credit Deposit Ratio	86.0 %	86.13 %	72.85 %
Cost To Income Ratio	48.56 %	66.3 %	55.88 %
Fresh Slippages - Quarterly	193.1 Crs	909.0 Crs	155.11 Crs
Capital to Risks Assets Ratio (CRAR)	20.13 %	14.94 %	15.0 %
Tier I Capital	19.18 %	13.45 %	12.77 %
Tier 2 Capital	0.95 %	1.49 %	2.22 %
NBFC
Cost of Borrowing	4.62 %	6.15 %	4.69 %
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	1.87	1.22	0.82
P/E	14.79	27.3	5.95
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	-8.63 %
Change in Mutual Fund Holding (3 Yrs)	2.37 %	19.96 %	3.05 %

Business

	City Union Bank	RBL Bank	J&K Bank
Loan Break-Up	Loan Break-Up MSME Sector 39.15 Infra structural Nonagriculture,NBFC 18.0 Agricultural 15.87 Commercial Real Estate 6.04 Home loans 4.38 Large Industries 1.47 Wholesale Traders 0.5 Retail 0.12 Loan Collateralized by Deposits 0 Trade 0 Personal 0 SME 0 Corporate 0 Others 14.47	-	Loan Break-Up Agricultural 0 Corporate 31.0 Personal 37.0 SME 10.0 Trading 9.0 MSME Sector 0 Large Industries 0 Retail 0 Home loans 0 Wholesale Traders 0 Infra structural Nonagriculture,NBFC 0 Loan Collateralized by Deposits 0 Commercial Real Estate 0 Others 13.0
Segment Break-Up	Segment Break-Up Consumer Finance 57.48 Corporate Banking 23.24 Treasury Operations 17.02 Treasury 0 Retail Banking 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Others 2.26	Segment Break-Up Corporate Banking 21.63 Corporate Banking 0 Consumer Finance 0 Treasury Operations 28.95 Treasury Operations 0 Consumer Finance 48.55 Others 0.87	Segment Break-Up Corporate Banking 18.58 Corporate Banking 0 Consumer Finance 0 Treasury 0 Treasury Operations 23.95 Consumer Finance 56.83 Others 0.64
Gold Loan Portfolio	Gold Loan Portfolio Non Agriculture 53.46 Agriculture 46.54	-	-
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 Retail Banking 45.0 Treasury 32.59 Corporate / Wholesale Banking 14.17 Others 8.24	-	Operating Profit Break-Up Retail Banking 40.73 Treasury 0 Corporate / Wholesale Banking 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 CBLO/LTRO 0 Tier Ii 7.0 Refinance 51.0 LAF 0 FCY 42.0 Inter-Bank 0 Reserve Bank of India 0 Unsecured Redeemable Debentures/Bonds 0	Borrowings Break-Up CBLO/LTRO 0 Tier II 0 Refinance 0 LAF 0 FCY 0 Inter-Bank 0 Reserve Bank of India 0 UNSECURED REDEEMABLE BONDS 99.92 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 Treasury 31.76 Corporate/Wholesale Banking 31.42 Others 1.35	Asset Break-Up - Segment Wise Retail Banking 47.82 Treasury 0 Corporate/Wholesale Banking 22.05 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 Priority Sector 25.06 Non Priority Sector 0 Priority Sector 0 Non Priority Sector 74.94	Priority vs Non-Priority Sector Priority 0 Non Priority Sector 65.51 Priority Sector 34.49 Non-Priority 0
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 Agricultural 0 Advances to Industries 11.66 Agriculture & Allied Activities 0 Personal Loan 0 Services 15.67 Industrial & Commercial 0 0 Agriculture 55.02 Others 17.65	NPA Break-Up Agricultural 0 Advances to Industries 0 Agricultural 9.8 Personal Loan 0 Services 59.37 Industrial & Commercial 0 Priority Sector 9.52 Agricultural & Allied Activities 0 Others 21.31

City Union Bank Ltd.

City Union Bank Ltd.

Financial

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