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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 -13.0 -1.5 - View Chart
P/BV x 0.6 0.2 272.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 BANK OF BARODA   UNION BANK
EQUITY SHARE DATA
    BANK OF BARODA
Mar-18
UNION BANK
Mar-18
BANK OF BARODA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs207205 100.8%   
Low Rs12886 149.1%   
Income per share (Unadj.) Rs198.7282.0 70.5%  
Earnings per share (Unadj.) Rs-8.1-44.6 18.3%  
Cash flow per share (Unadj.) Rs-28.5-115.2 24.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs202.1216.1 93.5%  
Shares outstanding (eoy) m2,317.831,168.57 198.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.80.5 163.3%   
Avg P/E ratio x-20.6-3.3 630.3%  
Avg P/CF ratio x2.81.9 146.9%  
Avg Price/Bookvalue ratio x0.80.7 123.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m388,005170,027 228.2%   
No. of employees `00055.737.6 148.1%   
Total wages & salary Rs m49,01633,322 147.1%   
Avg. income/employee Rs Th8,274.38,766.7 94.4%   
Avg. wages/employee Rs Th880.6886.5 99.3%   
Avg. net profit/employee Rs Th-339.0-1,386.8 24.4%   
INCOME DATA
Interest income Rs m460,564329,516 139.8%  
Other income Rs m79,92254,621 146.3%   
Interest expense Rs m291,605234,709 124.2%   
Net interest income Rs m168,95994,807 178.2%  
Operating expense Rs m113,26673,508 154.1%   
Gross profit Rs m55,69321,298 261.5%  
Gross profit margin %12.16.5 187.1%  
Provisions/contingencies Rs m158,609142,063 111.6%   
Profit before tax Rs m-20,294-66,062 30.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-5130-   
Prior Period Items Rs m00-   
Tax Rs m-1,936-13,938 13.9%   
Profit after tax Rs m-18,871-52,125 36.2%  
Net profit margin %-4.1-15.8 25.9%  
BALANCE SHEET DATA
Advances Rs m4,379,4132,905,715 150.7%   
Deposits Rs m6,074,5144,102,884 148.1%  
Credit/Deposit ratio x72.170.8 101.8%  
Yield on advances %6.97.9 87.4%   
Cost of deposits %4.45.3 84.1%   
Net Interest Margin %2.42.0 119.5%  
Net fixed assets Rs m55,32338,461 143.8%   
Share capital Rs m5,30411,686 45.4%   
Free reserves Rs m317,378228,925 138.6%   
Net worth Rs m468,388252,518 185.5%   
Borrowings Rs m648,598456,804 142.0%   
Investments Rs m1,586,7771,255,107 126.4%   
Total assets Rs m7,478,0494,911,464 152.3%  
Debt/equity ratio x14.418.1 79.5%   
Return on assets %-0.3-1.1 23.8%  
Return on equity %-4.0-20.6 19.5%  
Capital adequacy ratio %12.111.5 105.5%  
Net NPAs %5.58.4 65.2%  
CASH FLOW
From Operations Rs m-596,91760,893 -980.3%  
From Investments Rs m-4,136-3,068 134.8%  
From Financial Activity Rs m34,131107,919 31.6%  
Net Cashflow Rs m-566,923165,744 -342.0%  

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:   CORPORATION BANK  DENA BANK  ORIENTAL BANK  AXIS BANK  BANK OF INDIA  

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



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