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BANK OF INDIA vs UNION BANK - Comparison Results

BANK OF INDIA     Change

With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... 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 INDIA UNION BANK BANK OF INDIA/
UNION BANK
 
P/E (TTM) x 2.9 -0.5 - View Chart
P/BV x 0.1 0.1 103.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 BANK OF INDIA   UNION BANK
EQUITY SHARE DATA
    BANK OF INDIA
Mar-19
UNION BANK
Mar-19
BANK OF INDIA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs119106 112.2%   
Low Rs7361 119.2%   
Income per share (Unadj.) Rs148.5194.6 76.3%  
Earnings per share (Unadj.) Rs3.3-16.6 -19.8%  
Cash flow per share (Unadj.) Rs-29.9-42.9 69.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs155.8151.6 102.8%  
Shares outstanding (eoy) m2,760.471,763.02 156.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.4 150.4%   
Avg P/E ratio x29.2-5.0 -579.4%  
Avg P/CF ratio x1.51.7 86.9%  
Avg Price/Bookvalue ratio x0.60.6 111.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m264,867147,388 179.7%   
No. of employees `000NA37.3 0.0%   
Total wages & salary Rs m60,21032,372 186.0%   
Avg. income/employee Rs ThNM9,208.8-  
Avg. wages/employee Rs ThNM868.8-  
Avg. net profit/employee Rs ThN.A.-784.3-  
INCOME DATA
Interest income Rs m410,048343,137 119.5%  
Other income Rs m52,64050,417 104.4%   
Interest expense Rs m272,071238,961 113.9%   
Net interest income Rs m137,977104,176 132.4%  
Operating expense Rs m108,67078,562 138.3%   
Gross profit Rs m29,30725,614 114.4%  
Gross profit margin %7.17.5 95.7%  
Provisions/contingencies Rs m168,586115,157 146.4%   
Profit before tax Rs m-22,596-39,016 57.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-50-   
Prior Period Items Rs m00-   
Tax Rs m-31,665-9,792 323.4%   
Profit after tax Rs m9,065-29,224 -31.0%  
Net profit margin %2.2-8.5 -26.0%  
BALANCE SHEET DATA
Advances Rs m3,429,6632,987,801 114.8%   
Deposits Rs m5,225,5504,175,048 125.2%  
Credit/Deposit ratio x65.671.6 91.7%  
Yield on advances %7.98.0 99.5%   
Cost of deposits %4.45.3 83.1%   
Net Interest Margin %2.32.2 105.8%  
Net fixed assets Rs m89,99137,745 238.4%   
Share capital Rs m27,60017,630 156.6%   
Free reserves Rs m402,539249,686 161.2%   
Net worth Rs m430,140267,317 160.9%   
Borrowings Rs m442,652432,756 102.3%   
Investments Rs m1,509,0501,283,912 117.5%   
Total assets Rs m6,308,8394,985,805 126.5%  
Debt/equity ratio x13.217.2 76.4%   
Return on assets %0.1-0.6 -24.5%  
Return on equity %2.1-10.9 -19.3%  
Capital adequacy ratio %14.211.8 120.5%  
Net NPAs %5.66.9 81.9%  
CASH FLOW
From Operations Rs m-92,181-77,784 118.5%  
From Investments Rs m711-2,971 -23.9%  
From Financial Activity Rs m79,82817,582 454.0%  
Net Cashflow Rs m-11,642-63,173 18.4%  

Share Holding

Indian Promoters % 66.7 60.1 111.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.5 16.6 93.4%  
FIIs % 10.2 8.5 120.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.7 14.8 52.0%  
Shareholders   240,000 235,817 101.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANK OF INDIA With:   SYNDICATE BANK  CITY UNION BANK  ING VYSYA BANK  PNB  J&K BANK  

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



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BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 123.0% (Quarterly Result Update)

Nov 4, 2019 | Updated on Nov 4, 2019

For the quarter ended September 2019, BANK OF INDIA has posted a net profit of Rs 3 bn (up 123.0% YoY). Sales on the other hand came in at Rs 107 bn (up 9.1% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

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Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 155.1% (Quarterly Result Update)

Jul 31, 2019 | Updated on Jul 31, 2019

For the quarter ended June 2019, BANK OF INDIA has posted a net profit of Rs 2 bn (up 155.1% YoY). Sales on the other hand came in at Rs 103 bn (up 3.2% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

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