Name City Union Bank

Current Market Price 220

Market Cap 16260.2
Face Value 1
no of shares 73.91
Year FY2018 FY2019

Interest Earned 3402.41 3767.14

Interest/Discount on Advances/Bills 2840.4 3177.65
Income on Investments 522.76 553.59
Interest on Balances with RBI Other Inter-Bank Funds 22.68 23.31
Others 16.57 12.59

Interest Expended 1972.1 2155.67

Interst on Deposits 1927.1 2107.95
Interest on RBI/Inter-Bank Borrowings 37.99 22.53
Others 7.01 25.19

Net Interest Income 1430.31 1611.47

Other Operation Income (Fee Based Income) 788.37 886.29

Fee Based
Commission Brokerage 54.53 49.47
Treasury based
Profit on (Treasury Income)
Sale of Investmenets 32.56 93.83
Sale of Land, Buildings and Other Assets -0.01 2.67
Exchange transaction 74.35
Others 313.47 370.16
Revaluations of Investments
Miscellaneous Income 313.47 370.16

Operating Expenses 723.89 885.82

Payments to and Provision for Employees 315.88 364.43
Rent, Taxes and Lighting 129.97 149.69
Printing and Stationery 11.43 12.91
Advertisement and Publicity 18.12 19.31
Depreciation on Bank's Property 52.46 61.49
Directors' Fees, Allowances and Expenses 1.45 1.57
Auditors' Fees and Expenses (including Branch
Auditor’s fees & expenses) 1.41 1.68
Law Charges 0.73 0.77
Postage, Telegrams, Telephone, etc . 13.36 23.48
Repairs and Maintenance 74.98 86.99
Insurance 3.4 37.38
Other Expenditure 100.7 126.12

Pre provisioning Profits

Provisions For
Depriciation on Investments (Net) 95.74
Non Performing Assets 303
Standard Assets
Restructured Assets
Country Exposure
Others

Income Tax Including Def Tax 198 242

PBT

Approprications 624.66 720.31

Transfer
Statutory Reserve 150 200
Capital Reserve 29.33 6.03
General Reserve 334 340
Investment Reserve Account 30.8
Special Reserve under IT Act 1961 50 60
Dividend Paid 19.83 21.95
Dividen Tax paid 4.03 4.51
Balance Carried over to Balance sheet 37.47 57.02
Any buss you are evaluating profit per square feet or profit per employee
Particular FY19 FY18

Share Capital

Subscribed and Paid

up capital 73.45 66.47
Reserves and Surplus 73.45
Capital Reserves 4767.31
Statutory Reserves 1286
Share Premium 125.56
Revenue and Others Reserves 853.04
General Reserves 2445.69
Investment and Reserves Account 2006.5
Special Reserve U/S 36(1)(vii) 33.19
Balance in Profit and Loss Accoun 346

Deposits
Demand Deposists
Term Deposits
Savings Bank Deposits

Borrowings
Borrowings In India
Reserve Bank of India
Other B Banks

Cash Balances with

RBI
Cash in Hand 516.7 362.76
Balances with RBI 1479.41 1499.02

Balances with Banks & money at ca 970.15 774.73

Balances with Banks - India 55.6 71.92
Money at Call and Short notice 25
Money outside India 889.55 702.81

Investments 7560.77 7472.84

In India
Government Securities 7476.38 7364
 other approved Securities
Shares 9.85 10.21
Debentures and Bonds 51.44 25.19
Subsidiaries / Joint Ventures
Others 174.19 209.31
Less: Provisions for Investment -151.31 -135.87
Outside India 0.22

Advances
Bills purchased and Discounted
Cash and Credits, Overdraft and Loans Payable
Term Loans

Secured by Tangible Assests (Inclused Advances against book debts)

Other Assets
Inter Office Adjustments
Interest Accrued
Tax paid in Advance / Tax deducted at source
 FY 18 FY 19
Yields
Advances and bills 9.20%
Investments 11%
Yields on Interbank/R 7.10%
Yields on Inter bank 0.80%

Cost of Funds 5.80%

Cost of Deposits 5.90%
Interest on RBI inter 2.00%

Net Spreads 3.40%

NIM 3.90%
Operating Exp /Other 1.72%
Operating Exp /Total 0.42%
Operating Exp /Total 2.10%

ROA 1.60%
ROE 15.20%
Leverage 9.50

PAT Growth 15.30%