Balance Sheet
(Rs. in Crores)
Particulars
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-16
|
Liabilities
|
Share Capital
|
73.73
|
73.45
|
66.47
|
60.11
|
59.82
|
Reserves & Surplus
|
5222.34
|
4767.31
|
4096.76
|
3510.09
|
2992.18
|
Net Worth
|
5296.07
|
4840.76
|
4163.24
|
3570.2
|
3052
|
Secured Loans
|
2032.4
|
480.91
|
1735.88
|
531
|
112.55
|
Unsecured Loans
|
40832.49
|
38447.95
|
32852.62
|
30115.74
|
27158.13
|
TOTAL LIABILITIES
|
48160.96
|
43769.61
|
38751.74
|
34216.93
|
30322.67
|
Assets
|
Gross Block
|
245.16
|
250.03
|
223.13
|
215.08
|
217.56
|
(-) Acc. Depreciation
|
0
|
0
|
0
|
0
|
0
|
Net Block
|
245.16
|
250.03
|
223.13
|
215.08
|
217.56
|
Capital Work in Progress.
|
0
|
0
|
0
|
0
|
0
|
Investments
|
9116.79
|
7712.2
|
7879.11
|
7031.45
|
6324.45
|
Inventories
|
0
|
0
|
0
|
0
|
0
|
Sundry Debtors
|
0
|
0
|
0
|
0
|
0
|
Cash And Bank
|
4721.65
|
2963.28
|
2636.44
|
2878.98
|
2600.07
|
Loans And Advances
|
35649.94
|
34333.37
|
29198.57
|
25145.27
|
22109.88
|
Total Current Assets
|
40371.58
|
37296.65
|
31835.01
|
28024.25
|
24709.95
|
Current Liabilities
|
1572.57
|
1489.27
|
1185.51
|
1053.84
|
929.29
|
Provisions
|
0
|
0
|
0
|
0
|
0
|
Total Current Liabilities
|
1572.57
|
1489.27
|
1185.51
|
1053.84
|
929.29
|
NET CURRENT ASSETS
|
38799.02
|
35807.38
|
30649.5
|
26970.4
|
23780.67
|
Misc. Expenses
|
0
|
0
|
0
|
0
|
0
|
TOTAL ASSETS
|
48160.96
|
43769.61
|
38751.74
|
34216.93
|
30322.67
|
|
Profit and Loss
(Rs. in Crores)
Particulars
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-16
|
INCOME:
|
Sales Turnover
|
4168.60
|
3767.17
|
3402.42
|
3173.79
|
2944.21
|
Excise Duty
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
NET SALES
|
4168.60
|
3767.17
|
3402.42
|
3173.79
|
2944.21
|
Other Income
|
679.9462
|
514.3887
|
0.00
|
0.00
|
0.00
|
TOTAL INCOME
|
4848.55
|
4281.56
|
3934.52
|
3657.73
|
3354.19
|
EXPENDITURE:
|
Manufacturing Expenses
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Material Consumed
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Personal Expenses
|
420.65
|
364.44
|
315.88
|
298.14
|
213.17
|
Selling Expenses
|
23.04
|
19.31
|
18.12
|
16.58
|
0.00
|
Administrative Expenses
|
1246.14
|
755.78
|
368.18
|
321.24
|
292.13
|
Expenses Capitalised
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Provisions Made
|
755.08
|
315.14
|
417.75
|
300.97
|
230.59
|
TOTAL EXPENDITURE
|
2444.92
|
1454.67
|
1119.94
|
936.93
|
735.89
|
Operating Profit
|
-14.64
|
471.96
|
728.12
|
562.81
|
475.73
|
EBITDA
|
3913.80
|
3457.17
|
3232.34
|
3021.77
|
2848.89
|
Depreciation
|
78.99
|
61.50
|
52.46
|
53.01
|
52.43
|
Other Write-offs
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
EBIT
|
3834.81
|
3395.67
|
3179.87
|
2968.76
|
2796.46
|
Interest
|
2493.41
|
2155.68
|
1972.12
|
1975.02
|
1963.17
|
EBT
|
586.32
|
924.85
|
790.00
|
2667.79
|
2565.87
|
Taxes
|
110.00
|
242.00
|
198.00
|
190.00
|
158.00
|
Profit and Loss for the Year
|
476.32
|
682.85
|
592.00
|
2477.79
|
2407.87
|
Non Recurring Items
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Other Non Cash Adjustments
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Other Adjustments
|
.00
|
.00
|
0.00
|
-1975.02
|
-1963.17
|
REPORTED PAT
|
476.32
|
682.85
|
592.00
|
502.77
|
444.69
|
KEY ITEMS
|
Preference Dividend
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Equity Dividend
|
29.21
|
17.44
|
15.80
|
0.00
|
51.07
|
Equity Dividend (%)
|
39.61
|
23.75
|
23.76
|
0.00
|
85.37
|
Shares in Issue (Lakhs)
|
7373.19
|
7345.01
|
6647.29
|
6010.65
|
5981.91
|
EPS - Annualised (Rs)
|
6.460161748
|
9.296787887
|
8.91
|
8.36
|
7.43
|
|
Quarterly
(Rs. in Crores)
Particulars
|
2020-09
|
2020-06
|
2020-03
|
2019-12
|
2019-09
|
INCOME:
|
Net Sales Turnover
|
1060.95
|
1049.36
|
1041.68
|
1060.87
|
1036.82
|
Other Income
|
169.32
|
160.59
|
179.31
|
142.37
|
194.97
|
TOTAL INCOME
|
1230.28
|
1209.95
|
1220.98
|
1203.24
|
1231.8
|
EXPENDITURE:
|
Stock Adjustments
|
0
|
0
|
0
|
0
|
0
|
Raw Material Consumed
|
0
|
0
|
0
|
0
|
0
|
Power and Fuel
|
0
|
0
|
0
|
0
|
0
|
Employee Expenses
|
119.87
|
116.42
|
93.83
|
113.36
|
113.09
|
Administration and Selling Expenses
|
0
|
0
|
0
|
0
|
0
|
Research and Development Expenses
|
0
|
0
|
0
|
0
|
0
|
Expenses Capitalised
|
0
|
0
|
0
|
0
|
0
|
Other Expenses
|
139.92
|
125.09
|
169.88
|
147.85
|
146.95
|
Provisions Made
|
177
|
157
|
450.38
|
81
|
107.95
|
TOTAL EXPENSES
|
436.79
|
398.52
|
714.09
|
342.21
|
367.99
|
Operating Profit
|
624.16
|
650.84
|
327.58
|
718.66
|
668.83
|
EBITDA
|
793.48
|
811.43
|
506.89
|
861.03
|
863.81
|
Depreciation
|
0
|
0
|
0
|
0
|
0
|
EBIT
|
970.48
|
968.43
|
957.27
|
942.03
|
971.76
|
Interest
|
585.82
|
612.4
|
622.18
|
633.6
|
625.28
|
EBT
|
384.67
|
356.04
|
335.09
|
308.43
|
346.48
|
Taxes
|
50
|
45
|
-20
|
35
|
45
|
Profit and Loss for the Year
|
334.67
|
311.04
|
355.09
|
273.43
|
301.48
|
Extraordinary Items
|
0
|
0
|
0
|
0
|
0
|
Prior Year Adjustment
|
0
|
0
|
0
|
0
|
0
|
Other Adjustments
|
-177
|
-157
|
-450.38
|
-81
|
-107.95
|
REPORTED PAT
|
157.67
|
154.04
|
-95.29
|
192.43
|
193.53
|
KEY ITEMS:
|
Reserves Written Back
|
0
|
0
|
0
|
0
|
0
|
Equity capital
|
73.84
|
73.73
|
73.73
|
73.58
|
73.53
|
Reserves and Surplus
|
0
|
0
|
0
|
0
|
0
|
Equity Dividend Rate
|
0
|
0
|
0
|
0
|
0
|
Agg. Non-Promoter Shares(lacks)
|
0
|
0
|
0
|
0
|
0
|
Agg. Non-Promoter Holding (%)
|
0
|
0
|
0
|
0
|
0
|
Government Share
|
0
|
0
|
0
|
0
|
0
|
Capital Adequacy Ratio
|
0
|
0
|
0
|
0
|
0
|
EPS (Rs.)
|
0
|
0
|
0
|
0
|
0
|
|
Key Ratios
Key Financial ratios of CITY UNION BANK LTD.
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-16
|
Key Stats
|
Earnings Per Share
|
6.46
|
9.3
|
8.91
|
8.36
|
7.43
|
Profitability Ratios
|
Operating Profit Margin(%)
|
-0.35
|
12.53
|
21.4
|
17.73
|
16.16
|
Profit Before Interest And Tax Margin(%)
|
91.99
|
90.14
|
93.46
|
93.54
|
94.98
|
Net Profit Margin(%)
|
11.43
|
18.13
|
17.4
|
15.84
|
15.1
|
Return On Capital Employed(%)
|
1.02
|
1.62
|
1.58
|
7.47
|
8.19
|
Return On Net Worth(%)
|
8.99
|
14.11
|
14.22
|
14.08
|
14.57
|
Return on Assets(%)
|
0.99
|
1.56
|
1.53
|
1.47
|
1.47
|
Tax Rate(%)
|
18.76
|
26.17
|
25.06
|
7.12
|
6.16
|
Liquidity And Solvency Ratios
|
Current Ratio
|
25.67
|
25.04
|
26.85
|
26.59
|
26.59
|
Quick Ratio
|
25.67
|
25.04
|
26.85
|
26.59
|
26.59
|
Debt Equity Ratio
|
8.09
|
8.04
|
8.31
|
8.58
|
8.94
|
Liquidity And Solvency Ratios
|
Interest Coverage Ratio
|
1.54
|
1.58
|
1.61
|
1.5
|
1.42
|
Management Efficiency Ratios
|
Inventory Turnover Ratio
|
?
|
?
|
?
|
?
|
?
|
Total Assets Turnover Ratio
|
0.09
|
0.09
|
0.09
|
0.09
|
0.1
|
Margin Ratios
|
Core EBITDA Margin(%)
|
80.72
|
80.75
|
82.15
|
82.61
|
84.94
|
EBIT Margin(%)
|
79.09
|
79.31
|
80.82
|
81.16
|
83.37
|
PAT Margin(%)
|
11.43
|
18.13
|
17.4
|
15.84
|
15.1
|
|