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Compare Bank of Baroda with Union Bank - Equitymaster
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BANK OF BARODA vs UNION BANK - Comparison Results

BANK OF BARODA    Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    BANK OF BARODA UNION BANK BANK OF BARODA/
UNION BANK
 
P/E (TTM) x 34.2 -5.7 - View Chart
P/BV x 0.8 0.3 258.1% View Chart
Dividend Yield % 0.8 1.8 46.2%  

Financials

 BANK OF BARODA   UNION BANK
EQUITY SHARE DATA
    BANK OF BARODA
Mar-17
UNION BANK
Mar-16
BANK OF BARODA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs192223 86.1%   
Low Rs128104 123.3%   
Income per share (Unadj.) Rs191.9470.1 40.8%  
Earnings per share (Unadj.) Rs7.819.7 39.7%  
Cash flow per share (Unadj.) Rs17.167.4 25.4%  
Dividends per share (Unadj.) Rs1.201.95 61.5%  
Avg Dividend yield %0.71.2 62.8%  
Book value per share (Unadj.) Rs185.8335.3 55.4%  
Shares outstanding (eoy) m2,317.83687.44 337.2%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.80.3 240.1%   
Avg P/E ratio x20.48.3 247.0%  
Avg P/CF ratio x3.32.1 153.4%  
Avg Price/Bookvalue ratio x0.90.5 176.8%  
Dividend payout %15.39.9 155.1%   
Avg Mkt Cap Rs m370,911112,259 330.4%   
No. of employees `00052.435.5 147.8%   
Total wages & salary Rs m48,88737,681 129.7%   
Avg. income/employee Rs Th8,484.19,109.9 93.1%   
Avg. wages/employee Rs Th932.61,062.2 87.8%   
Avg. net profit/employee Rs Th346.2382.5 90.5%   
INCOME DATA
Interest income Rs m444,735323,157 137.6%  
Other income Rs m79,368393,443 20.2%   
Interest expense Rs m295,957238,940 123.9%   
Net interest income Rs m148,77784,216 176.7%  
Operating expense Rs m103,49867,159 154.1%   
Gross profit Rs m45,27917,057 265.5%  
Gross profit margin %10.25.3 192.9%  
Provisions/contingencies Rs m94,40438,682 244.1%   
Profit before tax Rs m31,01917,769 174.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-40090 -443.0%   
Prior Period Items Rs m00-   
Tax Rs m12,4694,291 290.6%   
Profit after tax Rs m18,15013,569 133.8%  
Net profit margin %4.14.2 97.2%  
BALANCE SHEET DATA
Advances Rs m3,922,6232,682,496 146.2%   
Deposits Rs m6,172,5693,441,175 179.4%  
Credit/Deposit ratio x63.578.0 81.5%  
Yield on advances %7.38.8 82.2%   
Cost of deposits %4.56.4 69.8%   
Net Interest Margin %2.22.2 99.9%  
Net fixed assets Rs m59,29739,519 150.0%   
Share capital Rs m4,6216,874 67.2%   
Free reserves Rs m212,918200,761 106.1%   
Net worth Rs m430,676230,481 186.9%   
Borrowings Rs m312,420306,366 102.0%   
Investments Rs m1,407,164905,732 155.4%   
Total assets Rs m7,192,2054,073,646 176.6%  
Debt/equity ratio x15.116.3 92.6%   
Return on assets %0.30.3 75.8%  
Return on equity %4.25.9 71.6%  
Capital adequacy ratio %12.211.1 109.9%  
Net NPAs %4.75.3 89.9%  
CASH FLOW
From Operations Rs m178,64882,741 215.9%  
From Investments Rs m-5,506-8,718 63.2%  
From Financial Activity Rs m-1,983-3,886 51.0%  
Net Cashflow Rs m171,15970,138 244.0%  

Share Holding

Indian Promoters % 56.3 60.1 93.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 16.6 99.9%  
FIIs % 15.6 8.5 183.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.5 14.8 78.0%  
Shareholders   180,376 235,817 76.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANK OF BARODA With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF INDIA  ALLAHABAD BANK  CITY UNION BANK  

Compare BANK OF BARODA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Feb 22, 2018 (Close)

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