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Shriram City Union Finance

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Shriram City Union Finance

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summary Unit
2012 2013 2014 2015 2016 2017 2018

income statement

16,610 18,230 21,550 24,510 28,980    
16,610 18,230 22,040 24,720 29,010    
10,380 10,990 12,940 14,230 17,650    
4,500 5,210 5,580 5,300 5,560    

balance sheet

... ... 1,187 746 270    
158,280 146,680 167,170 195,750 231,320    
... ... 834 872 832    
... ... 186,563 220,731 262,967    
... ... 40,870 45,050 50,250    
73,560 64,960 ... ... ... ... ...
42,640 47,750 124,020 144,080 170,420    
11,080 7,860 ... ... ... ... ...

ratios

... ... 13.7% 12.3% 11.7%    
... ... 2.99% 2.60% 2.30%    
... ... 4.88% 5.15% 4.70%    
37.5% 39.7% 41.3% 42.4% 39.2%    
18.6% 26.1% 28.8% 26.1% 23.9%    
... ... 11.6% 12.0% 12.0%    
100% 100% 97.8% 99.2% 99.9%    
36.0% 37.4% 45.3% 48.9% 48.4%    
... ... 21.9% 20.4% 19.1%    
371% 307% 135% 136% 136%    
... ... 89.6% 88.7% 88.0%    
1.84% 2.28% 2.87% 4.84% 6.34%    
63.6% 77.6% 78.4% 69.7% 73.3%    

valuation

... ... 64.9 66.0 66.0    
... ... 86.0 80.3 84.2    
... ... 630 683 761    
... ... ... -6.64% 4.89%    
... ... ... 8.34% 11.5%    

Download Data
income statement Unit
2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income INR mil
Interest Cost INR mil
Net Interest Income INR mil
Other Income INR mil
Total Revenues INR mil
Staff Cost INR mil
Other Cost INR mil
Operating Cost INR mil
Operating Profit INR mil
Provisions INR mil
Extra and Other Cost INR mil
Pre-Tax Profit INR mil
Tax INR mil
Net Profit INR mil
30,710 31,730 34,820 38,340 44,320    
14,100 13,500 13,270 13,830 15,340    
16,610 18,230 21,550 24,510 28,980    
0 0 490 210 30.0    
16,610 18,230 22,040 24,720 29,010    
2,240 2,710 4,120 5,130 5,500    
3,990 4,530 4,980 5,360 5,860    
6,230 7,240 9,100 10,490 11,360    
10,380 10,990 12,940 14,230 17,650    
3,840 3,840 4,540 6,160 9,110    
-120 -650 -10.0 0 0    
6,660 7,800 8,410 8,070 8,540    
2,160 2,590 2,830 2,770 2,980    
4,500 5,210 5,580 5,300 5,560    

growth rates

... 9.75% 18.2% 13.7% 18.2%    
... 9.75% 20.9% 12.2% 17.4%    
... 16.2% 25.7% 15.3% 8.29%    
... 16.2% 78.7% 9.97% 24.0%    
... 17.1% 7.82% -4.04% 5.82%    
... 15.8% 7.10% -5.02% 4.91%    

market share

0.704% 0.676% 0.726% 0.734% 0.721%   ...
0.760% 0.966% 1.02% 1.29% ... ... ...

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balance sheet Unit
2012 2013 2014 2015 2016 2017 2018

balance sheet

... ... 9,101 6,857 6,709    
... ... 1,187 746 270    
158,280 146,680 167,170 195,750 231,320    
... ... 834 872 832    
... ... 186,563 220,731 262,967    
... ... 40,870 45,050 50,250    
... ... 145,693 175,681 212,717    
73,560 64,960 ... ... ... ... ...
42,640 47,750 124,020 144,080 170,420    
30,800 34,380 ... ... ... ... ...
11,840 13,370 ... ... ... ... ...
11,080 7,860 ... ... ... ... ...

asset quality

2,940 3,400 4,910 9,800 15,370    
160,150 149,320 171,020 202,580 242,590    
1,870 2,640 3,850 6,830 11,270    

growth rates

... -7.33% 14.0% 17.1% 18.2%    
... ... ... 18.3% 19.1%    
... ... ... 10.2% 11.5%    
... 12.0% 160% 16.2% 18.3%    
... 11.6% ... ... ... ... ...
... 12.9% ... ... ... ... ...

market share

0.287% 0.228% 0.236% 0.246% 0.280%   ...
... ... 0.167% 0.175% 0.185%   ...
0.068% 0.066% 0.152% 0.158% 0.160%   ...
0.100% ... ... ... ... ... ...

Download Data
ratios Unit
2012 2013 2014 2015 2016 2017 2018

ratios

... ... 13.7% 12.3% 11.7%    
... ... 2.99% 2.60% 2.30%    
... ... 4.88% 5.15% 4.70%    
37.5% 39.7% 41.3% 42.4% 39.2%    
18.6% 26.1% 28.8% 26.1% 23.9%    
14.6% 20.2% 24.6% 23.4% 22.2%    
... ... 11.6% 12.0% 12.0%    
... ... ... 10.2% 10.4%    
... ... 18.7% 18.8% 18.3%    
... ... ... 8.61% 7.90%    
100% 100% 97.8% 99.2% 99.9%    
0% 0% 2.22% 0.850% 0.103%    
36.0% 37.4% 45.3% 48.9% 48.4%    
... ... 21.9% 20.4% 19.1%    
371% 307% 135% 136% 136%    
... ... 89.6% 88.7% 88.0%    
1.84% 2.28% 2.87% 4.84% 6.34%    
63.6% 77.6% 78.4% 69.7% 73.3%    
1.18% 1.80% 2.30% 3.49% 4.87%    
2.43% 2.52% 2.89% 3.39% 4.27%    

Download Data

Shriram City Union Finance's customer loan growth reached 7.25% in 2018, down from 19.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 19.2% in 2017 and an all time low of 7.25%

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Shriram City Union Finance's customer loan growth reached 7.25% in 2018, down from 19.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 19.2% in 2017 and an all time low of 7.25% in 2018. In the last decade, the average annual loan growth amounted to 0%.

On the other hand, bank's customer deposit growth amounted to 5.47% at the end of 2018, down from 25.6% when compared to the previous year. Historically, the bank’s deposit growth reached an all time high of 160% in 2014 and an all time low of 5.47% in 2018. In the last decade, the average annual loan growth amounted to 0%.

At the end of 2018, Shriram City Union Finance's loans accounted for 131% of total deposits and 94.2% of total assets.

You can see all the bank’s data at Shriram City Union Finance Profile, or you can download a report on the bank in the report section.

Shriram City Union Finance's capital adequacy ratio reached 23.1% at the end of 2018, up from 21.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 28.8% in 2014 and an all time low of

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Shriram City Union Finance's capital adequacy ratio reached 23.1% at the end of 2018, up from 21.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 28.8% in 2014 and an all time low of 18.6% in 2012.

The Tier 1 ratio amounted to 22.8% at the end of 2018, up from 20.6% compared to a year earlier.

Bank's loan to deposit ratio reached 131% at the end of 2018, up from 129% when compared to the previous year.

You can see all the bank’s data at Shriram City Union Finance Profile, or you can download a report on the bank in the report section.

Shriram City Union Finance's non-performing loans reached 9.13% of total loans at the end of 2018, down from 9.41% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.41% in 2017 and an all time low of

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Shriram City Union Finance's non-performing loans reached 9.13% of total loans at the end of 2018, down from 9.41% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.41% in 2017 and an all time low of 1.84% in 2012.

Provision coverage amounted to 74.7% at the end of 2018, up from 69.1% compared to a year earlier.

The bank created loan loss provisions worth of 2.74% of average loans in 2018. That's compared to 3.46% of loans the bank put aside to its cost on average in the last five years.

You can see all the bank’s data at Shriram City Union Finance Profile, or you can download a report on the bank in the report section.

Shriram City Union Finance made a net profit of INR 9,890 mil under revenues of INR 38,020 mil in 2018, up 39.1% and 8.78% respectively compared to the previous year.

Historically, the bank’s net profit reached an all time high of

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Shriram City Union Finance made a net profit of INR 9,890 mil under revenues of INR 38,020 mil in 2018, up 39.1% and 8.78% respectively compared to the previous year.

Historically, the bank’s net profit reached an all time high of INR 9,890 mil in 2018 and an all time low of INR 4,500 mil in 2012. The average profit in the last five years amounted to INR 6,688 mil.

On the other hand, bank’s revenues amounted to an all time high of INR 38,020 mil in 2018 and an all time low of INR 16,610 mil in 2012. The average revenues in the last five years reached INR 29,748 mil.

You can see all the bank’s data at Shriram City Union Finance Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Shriram City Union Finance's net profit rose 39.1% to INR 9,890 mil in 2018
Shriram City Union Finance's npls (as % of loans) fell 2.89% to 9.13% in 2018
Shriram City Union Finance's capital adequacy ratio rose 8.19% to 23.1% in 2018
Shriram City Union Finance's customer loan growth fell 62.3% to 7.25% in 2018